NYSE: CBUCommunity Financial System Inc Stock
$52.54-0.84 (-1.57%)
Updated Apr 21, 2025
CBU Price
$52.54
Fair Value Price
N/A
Market Cap
$2.77B
52 Week Low
$42.16
52 Week High
$73.39
P/E
15.27x
P/B
1.57x
P/S
4.48x
PEG
1.07x
Dividend Yield
3.48%
Revenue
$723.53M
Earnings
$182.48M
Gross Margin
100%
Operating Margin
32.72%
Profit Margin
25.2%
Debt to Equity
8.3
Operating Cash Flow
$242M
Beta
0.87
Next Earnings
N/A
Ex-Dividend
Jun 13, 2025
Next Dividend
Jul 10, 2025
CBU Overview
Community Bank System, Inc. provides banking and other financial services to retail, commercial, and municipal customers. The company's Community Bank subsidiary offers consumer deposit accounts, installment loans, lines of credit, and residential mortgage loans through 215 branches inNew York, Pennsylvania, Vermont, and Massachusetts. Benefit Plans Administrative Services is its other operating subsidiary. Originally founded in 1866, the company is headquartered in DeWitt, NY.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CBU's potential to beat the market
DSell
- Stocks with a Zen Rating of Sell (D) had an average loss of -4.50% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
CBU
Ranked#261 of 296
Ranked#261 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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CBU News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CBU scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CBU ($52.54) is trading above its intrinsic value of $35.75, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CBU is good value based on its earnings relative to its share price (15.27x), compared to the US market average (27.14x)
P/E vs Market Valuation
CBU is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more CBU due diligence checks available for Premium users.
Valuation
CBU price to earnings (PE)
For valuing profitable companies with steady earnings
Company
15.27x
Industry
13.07x
Market
27.14x
CBU is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CBU is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CBU price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.57x
Industry
1.07x
CBU is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CBU price to earnings growth (PEG)
For valuing profitable companies with growth potential
CBU is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
CBU's financial health
Profit margin
Revenue
$190.1M
Net Income
$49.8M
Profit Margin
26.2%
CBU's Earnings (EBIT) of $236.71M... subscribe to Premium to read more.
Interest Coverage Financials
CBU's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$16.4B
Liabilities
$14.6B
Debt to equity
8.3
CBU's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CBU's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$65.7M
Investing
-$210.6M
Financing
-$4.2M
CBU's operating cash flow ($242.28M)... subscribe to Premium to read more.
Debt Coverage Financials
CBU vs Bank Stocks
Community Financial System Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.