CBU Fundamental Analysis - COMMUNITY FINANCIAL SYSTEM I

Fundamental Rating

Overall CBU gets a fundamental rating of 4 out of 10. We evaluated CBU against 395 industry peers in the Banks industry. While CBU is still in line with the averages on profitability rating, there are concerns on its financial health. CBU is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CBU was profitable.

In the past year CBU had a positive cash flow from operations.

Each year in the past 5 years CBU has been profitable.

CBU had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

The Return On Assets of CBU (1.38%) is better than 87.09% of its industry peers.

The Return On Equity of CBU (12.60%) is better than 85.82% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.38%
ROE	12.6%
ROIC	N/A

ROA(3y)1.05%

ROA(5y)1.11%

ROE(3y)10.04%

ROE(5y)9.39%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 24.52%, CBU is in line with its industry, outperforming 55.44% of the companies in the same industry.

In the last couple of years the Profit Margin of CBU has declined.

The Operating Margin and Gross Margin are not available for CBU so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	24.52%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-7.22%

PM growth 5Y-3.17%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CBU does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for CBU has been reduced compared to 1 year ago.

The number of shares outstanding for CBU has been increased compared to 5 years ago.

The debt/assets ratio for CBU has been reduced compared to a year ago.

2.2 Solvency

CBU has a debt to FCF ratio of 1.36. This is a very positive value and a sign of high solvency as it would only need 1.36 years to pay back of all of its debts.

CBU has a better Debt to FCF ratio (1.36) than 64.81% of its industry peers.

A Debt/Equity ratio of 0.15 indicates that CBU is not too dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.15, CBU is in line with its industry, outperforming 58.48% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.36
Altman-Z	N/A

ROIC/WACCN/A

WACC10.73%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

CBU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.08%, which is quite good.

CBU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.96% yearly.

CBU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.64%.

The Revenue has been growing slightly by 4.82% on average over the past years.

EPS 1Y (TTM)11.08%

EPS 3Y-0.48%

EPS 5Y0.96%

EPS Q2Q%22.37%

Revenue 1Y (TTM)13.64%

Revenue growth 3Y6.34%

Revenue growth 5Y4.82%

Sales Q2Q%10.68%

3.2 Future

CBU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.99% yearly.

CBU is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.43% yearly.

EPS Next Y19.1%

EPS Next 2Y17.99%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year9.92%

Revenue Next 2Y9.43%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.64, which indicates a correct valuation of CBU.

Based on the Price/Earnings ratio, CBU is valued a bit more expensive than the industry average as 71.39% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.45, CBU is valued a bit cheaper.

CBU is valuated correctly with a Price/Forward Earnings ratio of 12.55.

66.84% of the companies in the same industry are cheaper than CBU, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 21.90. CBU is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	16.64
Fwd PE	12.55

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CBU is valued a bit more expensive than 62.53% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	16.18
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CBU's earnings are expected to grow with 17.99% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.87

PEG (5Y)17.39

EPS Next 2Y17.99%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CBU has a Yearly Dividend Yield of 3.22%. Purely for dividend investing, there may be better candidates out there.

CBU's Dividend Yield is comparable with the industry average which is at 3.47.

Compared to an average S&P500 Dividend Yield of 2.42, CBU pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.22%

5.2 History

The dividend of CBU has a limited annual growth rate of 3.02%.

CBU has paid a dividend for at least 10 years, which is a reliable track record.

CBU has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)3.02%

Div Incr Years27

Div Non Decr Years27

5.3 Sustainability

CBU pays out 41.54% of its income as dividend. This is a bit on the high side, but may be sustainable.

The dividend of CBU is growing, but earnings are growing more, so the dividend growth is sustainable.

DP41.54%

EPS Next 2Y17.99%

EPS Next 3YN/A

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COMMUNITY FINANCIAL SYSTEM I

NYSE:CBU (7/3/2025, 7:07:45 PM)

After market: 60.08 0 (0%)

60.08

+0.91 (+1.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/bmo

Earnings (Next)07-22 2025-07-22/bmo

Inst Owners75.14%

Inst Owner Change0.74%

Ins Owners0.96%

Ins Owner Change5.09%

Market Cap3.18B

Analysts76

Price Target67.83 (12.9%)

Short Float %2.98%

Short Ratio8.01

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.22%

Yearly Dividend1.81

Dividend Growth(5Y)3.02%

DP41.54%

Div Incr Years27

Div Non Decr Years27

Ex-Date06-13 2025-06-13 (0.46)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)2.5%

Min EPS beat(2)1.22%

Max EPS beat(2)3.78%

EPS beat(4)3

Avg EPS beat(4)2.59%

Min EPS beat(4)-6.15%

Max EPS beat(4)11.51%

EPS beat(8)4

Avg EPS beat(8)-0.7%

EPS beat(12)5

Avg EPS beat(12)-1.4%

EPS beat(16)8

Avg EPS beat(16)0.09%

Revenue beat(2)1

Avg Revenue beat(2)0.06%

Min Revenue beat(2)-1.46%

Max Revenue beat(2)1.59%

Revenue beat(4)3

Avg Revenue beat(4)0.32%

Min Revenue beat(4)-1.46%

Max Revenue beat(4)1.59%

Revenue beat(8)4

Avg Revenue beat(8)2.28%

Revenue beat(12)5

Avg Revenue beat(12)7.78%

Revenue beat(16)7

Avg Revenue beat(16)5.92%

PT rev (1m)0%

PT rev (3m)-5.9%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.61%

EPS NY rev (1m)0%

EPS NY rev (3m)0.69%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.6%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.63%

Valuation

		Industry Rank	Sector Rank
PE	16.64
Fwd PE	12.55
P/S	3.37
P/FCF	16.18
P/OCF	14.12
P/B	1.73
P/tB	3.4
EV/EBITDA	N/A

EPS(TTM)3.61

EY6.01%

EPS(NY)4.79

Fwd EY7.97%

FCF(TTM)3.71

FCFY6.18%

OCF(TTM)4.26

OCFY7.08%

SpS17.83

BVpS34.7

TBVpS17.67

PEG (NY)0.87

PEG (5Y)17.39

Profitability

		Industry Rank	Sector Rank
ROA	1.38%
ROE	12.6%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.52%
GM	N/A
FCFM	20.82%

ROA(3y)1.05%

ROA(5y)1.11%

ROE(3y)10.04%

ROE(5y)9.39%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-7.22%

PM growth 5Y-3.17%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.36
Debt/EBITDA	N/A
Cap/Depr	99.19%
Cap/Sales	3.04%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	84.87%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC10.73%

ROIC/WACCN/A

Cap/Depr(3y)60.08%

Cap/Depr(5y)54.17%

Cap/Sales(3y)2.51%

Cap/Sales(5y)2.41%

Profit Quality(3y)129.7%

Profit Quality(5y)117.94%

High Growth Momentum

Growth

EPS 1Y (TTM)11.08%

EPS 3Y-0.48%

EPS 5Y0.96%

EPS Q2Q%22.37%

EPS Next Y19.1%

EPS Next 2Y17.99%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)13.64%

Revenue growth 3Y6.34%

Revenue growth 5Y4.82%

Sales Q2Q%10.68%

Revenue Next Year9.92%

Revenue Next 2Y9.43%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-12.9%

FCF growth 3Y5.39%

FCF growth 5Y2.4%

OCF growth 1Y-6.31%

OCF growth 3Y6.16%

OCF growth 5Y3.65%

COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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