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%)
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This CBU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. CBU Profitability Analysis
1.1 Basic Checks
- In the past year CBU was profitable.
- In the past year CBU had a positive cash flow from operations.
- Of the past 5 years CBU 4 years were profitable.
- CBU had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CBU's Return On Assets of 1.21% is fine compared to the rest of the industry. CBU outperforms 76.64% of its industry peers.
- CBU's Return On Equity of 10.57% is fine compared to the rest of the industry. CBU outperforms 67.72% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- CBU's Profit Margin of 25.65% is in line compared 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 Rank | Sector 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
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.
- There is no outstanding debt for CBU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- CBU has a debt to FCF ratio of 0.97. This is a very positive value and a sign of high solvency as it would only need 0.97 years to pay back of all of its debts.
- CBU has a Debt to FCF ratio of 0.97. This is in the better half 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.
- CBU has a better Debt to Equity ratio (0.12) than 62.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 0.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. CBU Growth Analysis
3.1 Past
- CBU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.41%, which is quite good.
- The Earnings Per Share has been growing slightly by 4.21% on average over the past years.
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
- Based on estimates for the next years, CBU will show a quite strong growth in Revenue. The Revenue will grow by 8.61% on average per year.
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
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. CBU Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 14.27, the valuation of CBU can be described as correct.
- 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.
- Based on the Price/Forward Earnings ratio of 12.00, the valuation of CBU can be described as correct.
- Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than the industry average as 67.45% of the companies are valued more cheaply.
- CBU is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.27 | ||
| Fwd PE | 12 |
4.2 Price Multiples
- CBU's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.97 | ||
| 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 decrease with -43.74% in the coming years. This may justify a cheaper valuation.
PEG (NY)0.76
PEG (5Y)3.39
EPS Next 2Y16.85%
EPS Next 3Y-43.74%
5. CBU Dividend Analysis
5.1 Amount
- CBU has a Yearly Dividend Yield of 3.28%.
- CBU's Dividend Yield is comparable with the industry average which is at 2.90.
- Compared to an average S&P500 Dividend Yield of 1.91, CBU pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.28% |
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 47.33% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP47.33%
EPS Next 2Y16.85%
EPS Next 3Y-43.74%
CBU Fundamentals: All Metrics, Ratios and Statistics
56.64
-0.71 (-1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2026-01-27/bmo
Earnings (Next)04-27 2026-04-27
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 Rank | Sector 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 2026-03-16 (0.47)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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%.