Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CBU
HoldFallen FavouriteCommunity Financial System, Inc. · Financial Services · United States · $3.3B · Avg Vol: $13M/d
48
StockRankGet insider-trade alerts
Q
61
V
39
M
42
P/E (TTM)
14.8x
ROE
11.5%
D/E
0.2x
Dividend %
3.0%
COMPANY DESCRIPTION
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 679.4M | 651.9M | 746.3M | 818.3M | 6.4% | 838.2M | 895.9M | 964.4M | 8.6% |
| EPS | 3.48 | 2.54 | 3.44 | 3.98 | 4.6% | 4.31 | 4.52 | 5.11 | 13.3% |
| Shares | 53.7M | 53.3M | 52.7M | 52.7M | -2.0% | 52.6M | — | — | — |
| Debt | 791.1M | 460.6M | 737.3M | 458.8M | -16.6% | 772.2M | — | — | — |
| Equity | 1.6B | 1.7B | 1.8B | 2.0B | 8.9% | — | — | — | — |
| Op CF | 214.6M | 228.4M | 242.3M | 301.9M | 12.0% | 308.3M | — | — | — |
| Inv CF | -2.1B | 335.8M | -835.6M | -182.1M | — | — | — | — | — |
| Fin CF | 259.2M | -583.1M | 599.4M | -15.0M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-3.1%
SMA 50SMA 200
Close
$62.41
RSI (14)
43.9
52W High
$71.11
From 52W High
0.9%
SCORE BREAKDOWN
Quality
61
ROIC (ROA)
1.3%*45.7
ROE
11.5%58.7
GP/Assets
4.8%N/A
Op. Margin
39.2%56.5
FCF/Assets
1.4%N/A
Piotroski
797.1
Int. Cover
—50.0
D/E Ratio
0.23xN/A
Current Ratio
bankN/A
Value
39
P/E (TTM)
14.8x39.8
EV/EBITDA
bankN/A
P/FCF
13.8xN/A
P/B
1.6x33.6
P/S
4.0x44.9
Div Yield
3.0%41.0
Momentum
42
52W High %
88%39.5
RS 6M
-4%45.5
SMA 50/200
1.06x59.2
EPS Rev 4W
0.0%27.7
EPS Rev 12W
-3.6%13.3
EPS Improve
+20%50.2
Q Growth
20%51.9
FUNDAMENTALS
Market Cap
$3.3B
P/E (Forward)
12.3x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CBU are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CBU | Community Financial System, Inc.(you) | $3.3B | 48 | Hold |
| BOH | Bank of Hawaii Corporation | $3.0B | 49 | Hold |
| BKU | BankUnited, Inc. | $3.3B | 46 | Hold |
| VLYPP | Valley National Bancorp | $3.1B | 47 | Hold |
| FBK | FB Financial Corporation | $2.9B | 46 | Hold |
| FBNC | First Bancorp | $2.6B | 50 | Hold |
| NIC | Nicolet Bankshares, Inc. | $3.6B | 54 | Hold |
| INDB | Independent Bank Corp. | $3.9B | 53 | Hold |
| PRK | Park National Corporation | $3.6B | 54 | Hold |
| SYBT | Stock Yards Bancorp, Inc. | $2.5B | 51 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%