Community Financial System Inc.

Community Financial System Inc.

CBU

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Market Cap$3.34B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Community Financial System Inc.Community Financial System Inc.15.52.94%11%3.60.3
$75.00

Target Price by Analysts

21.9% upsideCommunity Financial System Target Price DetailsTarget Price
$90.44

Current Fair Value

47% upside

Undervalued by 47% based on the discounted cash flow analysis.

Share Statistics

Market cap$3.34 Billion
Enterprise Value$3.42 Billion
Dividend Yield$1.87 (2.94%)
Earnings per Share$3.98
Beta0.8
Outstanding Shares52,980,000

Return

Return on Equity10.77%ROE
Return on Assets1.23%
Return on Invested Capital1.72%

Valuation & Multiples

P/E Ratio15.46P/E Ratio
PEG100.89PEG
Price to Sales3.62Price to Sales
Price to Book Ratio1.62Price to Book Ratio
Enterprise Value to Revenue3.63
Enterprise Value to EBIT11.32
Enterprise Value to Net Income15
Total Debt to Enterprise0.19
Debt to Equity0.32Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 5, 2026
EPS Estimate
$1.10
Average shareholder expectation
Revenue Estimate
$216.37 M
Average shareholder expectation

Next Earnings Call

Expected Date
July 28, 2026
EPS Estimate
$1.20
Average shareholder expectation
Revenue Estimate
$221.42 M
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio9.5972 809.72%
Total Calls7,200 100.00%
Total Puts69,100 1179.63%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %71.29% 0.09%
Total Invested$2.35B 1.95%
Investors Holding266 2.00%

ESG Score

No data

About Community Bank System, Inc.

CEO: Mark Tryniski

Community Bank System, Inc. operates more than 230 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts through its banking subsidiary, Community Bank, N.A. With assets of over $13.8 ...

Relevant Senate Committees

Joint Committee on Taxation

This committee's role in developing and analyzing tax legislation, including providing official revenue estimates, directly influences the corporate tax structures and capital investment incentives that profoundly affect CBU's profitability and financial planning, impacting its legal and funding environment.

Finance

This powerful committee controls taxation, trade, and entitlement spending. Tax policy, determined by this committee, directly impacts CBU's corporate profitability, valuation, and overall financial health, making it a critical influence on the company's funding and legal environment.

Banking, Housing, and Urban Affairs

This is the primary regulatory committee for CBU. It directly regulates the entire financial system, including bank capital requirements, financial products, and real estate markets, profoundly impacting CBU's core operations, funding, and legal environment.

Small Business and Entrepreneurship

CBU, as a commercial bank, provides loans to small businesses. This committee oversees the Small Business Administration (SBA), which has programs and regulations directly impacting how banks like CBU lend to and serve small enterprises, influencing a core part of its business.