COMMUNITY FINANCIAL SYSTEM I (CBU) Fundamental Analysis & Valuation

NYSE:CBU • US2036071064

Current stock price

56.64 USD
-0.71 (-1.24%)
At close:
56.64 USD
0 (0%)
After Hours:

This CBU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CBU Profitability Analysis

1.1 Basic Checks

  • CBU had positive earnings in the past year.
  • CBU had a positive operating cash flow in the past year.
  • Of the past 5 years CBU 4 years were profitable.
  • Of the past 5 years CBU 4 years had a positive operating cash flow.
CBU Yearly Net Income VS EBIT VS OCF VS FCFCBU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

  • CBU has a Return On Assets of 1.21%. This is in the better half of the industry: CBU outperforms 76.64% of its industry peers.
  • The Return On Equity of CBU (10.57%) is better than 67.72% of its industry peers.
Industry RankSector Rank
ROA 1.21%
ROE 10.57%
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
CBU Yearly ROA, ROE, ROICCBU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • CBU has a Profit Margin of 25.65%. This is comparable to the rest of the industry: CBU outperforms 54.59% of its industry peers.
  • In the last couple of years the Profit Margin of CBU has declined.
  • CBU does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.65%
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
CBU Yearly Profit, Operating, Gross MarginsCBU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. CBU Health Analysis

2.1 Basic Checks

  • CBU does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CBU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CBU Yearly Shares OutstandingCBU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CBU Yearly Total Debt VS Total AssetsCBU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of CBU is 0.97, which is an excellent value as it means it would take CBU, only 0.97 years of fcf income to pay off all of its debts.
  • CBU's Debt to FCF ratio of 0.97 is fine compared to the rest of the industry. CBU outperforms 68.50% of its industry peers.
  • CBU has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.12, CBU is in the better half of the industry, outperforming 62.73% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.97
Altman-Z N/A
ROIC/WACCN/A
WACC10.73%
CBU Yearly LT Debt VS Equity VS FCFCBU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CBU Yearly Current Assets VS Current LiabilitesCBU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. CBU Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 15.41% over the past year.
  • Measured over the past 5 years, CBU shows a small growth in Earnings Per Share. The EPS has been growing by 4.21% on average per year.
EPS 1Y (TTM)15.41%
EPS 3Y4.09%
EPS 5Y4.21%
EPS Q2Q%9.57%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.76%

3.2 Future

  • The Earnings Per Share is expected to decrease by -43.74% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 8.61% on average over the next years. This is quite good.
EPS Next Y18.86%
EPS Next 2Y16.85%
EPS Next 3Y-43.74%
EPS Next 5YN/A
Revenue Next Year9.56%
Revenue Next 2Y8.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CBU Yearly Revenue VS EstimatesCBU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M
CBU Yearly EPS VS EstimatesCBU Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4 5

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4

4. CBU Valuation Analysis

4.1 Price/Earnings Ratio

  • CBU is valuated correctly with a Price/Earnings ratio of 14.27.
  • 71.65% of the companies in the same industry are cheaper than CBU, based on the Price/Earnings ratio.
  • CBU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.11.
  • The Price/Forward Earnings ratio is 12.00, which indicates a correct valuation of CBU.
  • Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than 67.45% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, CBU is valued rather cheaply.
Industry RankSector Rank
PE 14.27
Fwd PE 12
CBU Price Earnings VS Forward Price EarningsCBU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as CBU.
Industry RankSector Rank
P/FCF 12.97
EV/EBITDA N/A
CBU Per share dataCBU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • A cheap valuation may be justified as CBU's earnings are expected to decrease with -43.74% in the coming years.
PEG (NY)0.76
PEG (5Y)3.39
EPS Next 2Y16.85%
EPS Next 3Y-43.74%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. CBU Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.28%, CBU has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.90, CBU has a dividend in line with its industry peers.
  • CBU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 3.28%

5.2 History

  • The dividend of CBU has a limited annual growth rate of 3.02%.
  • CBU has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CBU has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.02%
Div Incr Years27
Div Non Decr Years27
CBU Yearly Dividends per shareCBU Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • 47.33% of the earnings are spent on dividend by CBU. This is a bit on the high side, but may be sustainable.
DP47.33%
EPS Next 2Y16.85%
EPS Next 3Y-43.74%
CBU Yearly Income VS Free CF VS DividendCBU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
CBU Dividend Payout.CBU Dividend Payout, showing the Payout Ratio.CBU Dividend Payout.PayoutRetained Earnings

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CBU Fundamentals: All Metrics, Ratios and Statistics

COMMUNITY FINANCIAL SYSTEM I

NYSE:CBU (3/17/2026, 8:04:00 PM)

After market: 56.64 0 (0%)

56.64

-0.71 (-1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners77.53%
Inst Owner Change1.11%
Ins Owners0.93%
Ins Owner Change0.25%
Market Cap2.99B
Revenue(TTM)N/A
Net Income(TTM)204.93M
Analysts72
Price Target68.95 (21.73%)
Short Float %3.61%
Short Ratio7.73
Dividend
Industry RankSector Rank
Dividend Yield 3.28%
Yearly Dividend1.81
Dividend Growth(5Y)3.02%
DP47.33%
Div Incr Years27
Div Non Decr Years27
Ex-Date03-16
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.21%
Min EPS beat(2)-4.91%
Max EPS beat(2)-1.51%
EPS beat(4)2
Avg EPS beat(4)-0.36%
Min EPS beat(4)-4.91%
Max EPS beat(4)3.78%
EPS beat(8)3
Avg EPS beat(8)-1.27%
EPS beat(12)5
Avg EPS beat(12)-1.33%
EPS beat(16)6
Avg EPS beat(16)-0.78%
Revenue beat(2)0
Avg Revenue beat(2)-1.35%
Min Revenue beat(2)-2.09%
Max Revenue beat(2)-0.62%
Revenue beat(4)1
Avg Revenue beat(4)-0.65%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)1.59%
Revenue beat(8)4
Avg Revenue beat(8)2.37%
Revenue beat(12)4
Avg Revenue beat(12)-0.55%
Revenue beat(16)6
Avg Revenue beat(16)5.7%
PT rev (1m)0.9%
PT rev (3m)1.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.1%
Valuation
Industry RankSector Rank
PE 14.27
Fwd PE 12
P/S 3.74
P/FCF 12.97
P/OCF 10.55
P/B 1.54
P/tB 2.87
EV/EBITDA N/A
EPS(TTM)3.97
EY7.01%
EPS(NY)4.72
Fwd EY8.33%
FCF(TTM)4.37
FCFY7.71%
OCF(TTM)5.37
OCFY9.48%
SpS15.15
BVpS36.78
TBVpS19.71
PEG (NY)0.76
PEG (5Y)3.39
Graham Number57.32
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 10.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.65%
GM N/A
FCFM 28.83%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 0.97
Debt/EBITDA N/A
Cap/Depr 181.49%
Cap/Sales 6.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 112.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
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)15.41%
EPS 3Y4.09%
EPS 5Y4.21%
EPS Q2Q%9.57%
EPS Next Y18.86%
EPS Next 2Y16.85%
EPS Next 3Y-43.74%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.76%
Revenue Next Year9.56%
Revenue Next 2Y8.61%
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-3.43%
FCF growth 3Y5.39%
FCF growth 5Y2.4%
OCF growth 1Y10.87%
OCF growth 3Y6.16%
OCF growth 5Y3.65%

COMMUNITY FINANCIAL SYSTEM I / CBU Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for COMMUNITY FINANCIAL SYSTEM I?

ChartMill assigns a fundamental rating of 3 / 10 to CBU.


What is the valuation status for CBU stock?

ChartMill assigns a valuation rating of 4 / 10 to COMMUNITY FINANCIAL SYSTEM I (CBU). This can be considered as Fairly Valued.


What is the profitability of CBU stock?

COMMUNITY FINANCIAL SYSTEM I (CBU) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for CBU stock?

The Earnings per Share (EPS) of COMMUNITY FINANCIAL SYSTEM I (CBU) is expected to grow by 18.86% in the next year.


Can you provide the dividend sustainability for CBU stock?

The dividend rating of COMMUNITY FINANCIAL SYSTEM I (CBU) is 6 / 10 and the dividend payout ratio is 47.33%.