COMMUNITY FINANCIAL SYSTEM I (CBU) Stock Fundamental Analysis

NYSE:CBU • US2036071064

64.99 USD
+0.28 (+0.43%)
At close: Feb 20, 2026
64.99 USD
0 (0%)
After Hours: 2/20/2026, 8:20:55 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, CBU scores 3 out of 10 in our fundamental rating. CBU was compared to 381 industry peers in the Banks industry. CBU has a bad profitability rating. Also its financial health evaluation is rather negative. CBU does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • CBU had positive earnings in the past year.
  • In the past year CBU had a positive cash flow from operations.
  • 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 better Return On Assets (1.21%) than 75.85% of its industry peers.
  • The Return On Equity of CBU (10.57%) is better than 69.55% 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

  • With a Profit Margin value of 25.65%, CBU perfoms like the industry average, outperforming 59.58% of the companies in the same industry.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

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

  • 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 has a better Debt to FCF ratio (0.97) than 67.72% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that CBU is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.12, CBU is in the better half of the industry, outperforming 63.25% 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
WACC10.42%
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

More info and screens

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

3

3. Growth

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.
  • CBU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.21% yearly.
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 9.01% on average over the next years. This is quite good.
EPS Next Y22.24%
EPS Next 2Y17.68%
EPS Next 3Y-43.74%
EPS Next 5YN/A
Revenue Next Year10%
Revenue Next 2Y9.01%
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

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.37, CBU is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of CBU indicates a slightly more expensive valuation: CBU is more expensive than 75.59% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.99. CBU is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 13.39 indicates a correct valuation of CBU.
  • 65.88% of the companies in the same industry are cheaper than CBU, based on the Price/Forward Earnings ratio.
  • CBU's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 16.37
Fwd PE 13.39
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

  • Based on the Price/Free Cash Flow ratio, CBU is valued a bit more expensive than the industry average as 60.63% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.87
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

  • CBU's 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)0.74
PEG (5Y)3.89
EPS Next 2Y17.68%
EPS Next 3Y-43.74%

More info and screens

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

6

5. Dividend

5.1 Amount

  • CBU has a Yearly Dividend Yield of 2.85%. Purely for dividend investing, there may be better candidates out there.
  • CBU's Dividend Yield is comparable with the industry average which is at 2.78.
  • Compared to an average S&P500 Dividend Yield of 1.85, CBU pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.85%

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

  • 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 2Y17.68%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

COMMUNITY FINANCIAL SYSTEM I

NYSE:CBU (2/20/2026, 8:20:55 PM)

After market: 64.99 0 (0%)

64.99

+0.28 (+0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners77.66%
Inst Owner Change-0.89%
Ins Owners0.92%
Ins Owner Change0%
Market Cap3.42B
Revenue(TTM)N/A
Net Income(TTM)204.93M
Analysts75
Price Target68.34 (5.15%)
Short Float %3.09%
Short Ratio6.72
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
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)0.3%
PT rev (3m)-1.47%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)0.88%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)0.25%
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 16.37
Fwd PE 13.39
P/S 4.29
P/FCF 14.87
P/OCF 12.1
P/B 1.77
P/tB 3.3
EV/EBITDA N/A
EPS(TTM)3.97
EY6.11%
EPS(NY)4.85
Fwd EY7.47%
FCF(TTM)4.37
FCFY6.73%
OCF(TTM)5.37
OCFY8.27%
SpS15.16
BVpS36.81
TBVpS19.72
PEG (NY)0.74
PEG (5Y)3.89
Graham Number57.34
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
WACC10.42%
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 Y22.24%
EPS Next 2Y17.68%
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 Year10%
Revenue Next 2Y9.01%
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 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 3 / 10 to COMMUNITY FINANCIAL SYSTEM I (CBU). This can be considered as Overvalued.


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 22.24% 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%.