COMMUNITY FINANCIAL SYSTEM I (CBU) Fundamental Analysis & Valuation

NYSE:CBU • US2036071064

Current stock price

63.17 USD
+0.85 (+1.36%)
At close:
63.17 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.

4

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.
  • In the past 5 years CBU has always been profitable.
  • In the past 5 years CBU always reported a positive cash flow from operatings.
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 2025 100M 200M 300M

1.2 Ratios

  • The Return On Assets of CBU (1.21%) is better than 75.53% of its industry peers.
  • The Return On Equity of CBU (10.45%) is better than 62.50% of its industry peers.
Industry RankSector Rank
ROA 1.21%
ROE 10.45%
ROIC N/A
ROA(3y)1.06%
ROA(5y)1.11%
ROE(3y)9.5%
ROE(5y)9.92%
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 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 25.62%, CBU is in line with its industry, outperforming 50.27% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CBU has remained more or less at the same level.
  • 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) 25.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.45%
PM growth 5Y-1.42%
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 2025 10 20 30

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4

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 about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CBU has less shares outstanding
  • The debt/assets ratio for CBU has been reduced compared to a year ago.
CBU Yearly Shares OutstandingCBU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B

2.2 Solvency

  • CBU has a debt to FCF ratio of 1.03. This is a very positive value and a sign of high solvency as it would only need 1.03 years to pay back of all of its debts.
  • The Debt to FCF ratio of CBU (1.03) is better than 67.82% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that CBU is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.12, CBU is doing good in the industry, outperforming 61.17% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.03
Altman-Z N/A
ROIC/WACCN/A
WACC10.69%
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 2025 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 2025 100M 200M 300M 400M 500M

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

4

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.
  • CBU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.21% yearly.
  • The Revenue for CBU has decreased by -11.43% in the past year. This is quite bad
  • Measured over the past years, CBU shows a small growth in Revenue. The Revenue has been growing by 6.51% on average per year.
EPS 1Y (TTM)15.41%
EPS 3Y4.09%
EPS 5Y4.21%
EPS Q2Q%9.57%
Revenue 1Y (TTM)-11.43%
Revenue growth 3Y6.39%
Revenue growth 5Y6.51%
Sales Q2Q%9.76%

3.2 Future

  • CBU is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -43.74% yearly.
  • Based on estimates for the next years, CBU will show a quite strong growth in Revenue. The Revenue will grow by 8.65% on average per year.
EPS Next Y18.65%
EPS Next 2Y16.85%
EPS Next 3Y-43.74%
EPS Next 5YN/A
Revenue Next Year9.56%
Revenue Next 2Y8.65%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better 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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3

4. CBU Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 15.91, the valuation of CBU can be described as correct.
  • CBU's Price/Earnings ratio is a bit more expensive when compared to the industry. CBU is more expensive than 75.80% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.35. CBU is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 13.41 indicates a correct valuation of CBU.
  • Based on the Price/Forward Earnings ratio, CBU is valued a bit more expensive than 72.61% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.23. CBU is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.91
Fwd PE 13.41
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.22
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)0.85
PEG (5Y)3.78
EPS Next 2Y16.85%
EPS Next 3Y-43.74%

More info and screens

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 2.98%. Purely for dividend investing, there may be better candidates out there.
  • CBU's Dividend Yield is a higher than the industry average which is at 2.55.
  • CBU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.98%

5.2 History

  • The dividend of CBU has a limited annual growth rate of 2.42%.
  • 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)2.42%
Div Incr Years28
Div Non Decr Years28
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 46.55% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP46.55%
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 2025 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 (4/27/2026, 8:04:00 PM)

After market: 63.17 0 (0%)

63.17

+0.85 (+1.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-29
Inst Owners77.86%
Inst Owner Change-0.31%
Ins Owners0.75%
Ins Owner Change0.79%
Market Cap3.32B
Revenue(TTM)818.01M
Net Income(TTM)209.56M
Analysts72
Price Target69.7 (10.34%)
Short Float %3.76%
Short Ratio7.51
Dividend
Industry RankSector Rank
Dividend Yield 2.98%
Yearly Dividend1.85
Dividend Growth(5Y)2.42%
DP46.55%
Div Incr Years28
Div Non Decr Years28
Ex-Date03-16
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.64%
Min EPS beat(2)-9.77%
Max EPS beat(2)-1.51%
EPS beat(4)1
Avg EPS beat(4)-3.74%
Min EPS beat(4)-9.77%
Max EPS beat(4)1.22%
EPS beat(8)3
Avg EPS beat(8)-1.17%
EPS beat(12)4
Avg EPS beat(12)-2.39%
EPS beat(16)6
Avg EPS beat(16)-1.29%
Revenue beat(2)1
Avg Revenue beat(2)-0.2%
Min Revenue beat(2)-0.62%
Max Revenue beat(2)0.22%
Revenue beat(4)1
Avg Revenue beat(4)-0.99%
Min Revenue beat(4)-2.09%
Max Revenue beat(4)0.22%
Revenue beat(8)4
Avg Revenue beat(8)-0.24%
Revenue beat(12)5
Avg Revenue beat(12)-0.35%
Revenue beat(16)7
Avg Revenue beat(16)5.72%
PT rev (1m)1.08%
PT rev (3m)2.3%
EPS NQ rev (1m)0.29%
EPS NQ rev (3m)-4.13%
EPS NY rev (1m)-0.18%
EPS NY rev (3m)-3.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.58%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.41%
Valuation
Industry RankSector Rank
PE 15.91
Fwd PE 13.41
P/S 4.06
P/FCF 14.22
P/OCF 11
P/B 1.65
P/tB 3.12
EV/EBITDA N/A
EPS(TTM)3.97
EY6.28%
EPS(NY)4.71
Fwd EY7.46%
FCF(TTM)4.44
FCFY7.03%
OCF(TTM)5.75
OCFY9.1%
SpS15.57
BVpS38.18
TBVpS20.24
PEG (NY)0.85
PEG (5Y)3.78
Graham Number58.3997 (-7.55%)
Profitability
Industry RankSector Rank
ROA 1.21%
ROE 10.45%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.62%
GM N/A
FCFM 28.52%
ROA(3y)1.06%
ROA(5y)1.11%
ROE(3y)9.5%
ROE(5y)9.92%
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-2.45%
PM growth 5Y-1.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 1.03
Debt/EBITDA N/A
Cap/Depr 226.9%
Cap/Sales 8.38%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC10.69%
ROIC/WACCN/A
Cap/Depr(3y)121.57%
Cap/Depr(5y)90.17%
Cap/Sales(3y)4.67%
Cap/Sales(5y)3.61%
Profit Quality(3y)130.95%
Profit Quality(5y)120.1%
High Growth Momentum
Growth
EPS 1Y (TTM)15.41%
EPS 3Y4.09%
EPS 5Y4.21%
EPS Q2Q%9.57%
EPS Next Y18.65%
EPS Next 2Y16.85%
EPS Next 3Y-43.74%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.43%
Revenue growth 3Y6.39%
Revenue growth 5Y6.51%
Sales Q2Q%9.76%
Revenue Next Year9.56%
Revenue Next 2Y8.65%
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 1Y5.31%
FCF growth 3Y4.98%
FCF growth 5Y7.16%
OCF growth 1Y24.59%
OCF growth 3Y12.04%
OCF growth 5Y10.96%

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 4 / 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.


How profitable is COMMUNITY FINANCIAL SYSTEM I (CBU) stock?

COMMUNITY FINANCIAL SYSTEM I (CBU) has a profitability rating of 4 / 10.


What is the financial health of COMMUNITY FINANCIAL SYSTEM I (CBU) stock?

The financial health rating of COMMUNITY FINANCIAL SYSTEM I (CBU) is 4 / 10.


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 46.55%.