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

  • 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.
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'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 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'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 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.
  • 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.
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

  • 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 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

  • 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.
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

  • 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 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

  • CBU's Price/Free Cash Flow ratio is in line with the industry average.
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.
  • 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%

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

6

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 RankSector 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
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

  • 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 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%.