NYSE: CBU
Community Financial System Inc Stock

$58.07+0.15 (+0.26%)
Updated May 16, 2025
CBU Price
$58.07
Fair Value Price
N/A
Market Cap
$3.07B
52 Week Low
$42.16
52 Week High
$73.39
P/E
16.04x
P/B
1.67x
P/S
4.04x
PEG
1.59x
Dividend Yield
3.15%
Revenue
$741.96M
Earnings
$191.22M
Gross Margin
100%
Operating Margin
33.42%
Profit Margin
25.8%
Debt to Equity
8.14
Operating Cash Flow
$225M
Beta
0.84
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

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% 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
D
CBU
Ranked
#214 of 299

Top Ranked Stocks in Industry

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CBU News

Overview

Due Diligence Score

Industry Average (34)
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 ($58.07) is trading above its intrinsic value of $32.15, 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 (16.04x), compared to the US market average (25.95x)
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
16.04x
Industry
11.92x
Market
25.95x
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
1.67x
Industry
1.17x
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
$189.6M
Net Income
$49.6M
Profit Margin
26.2%
CBU's Earnings (EBIT) of $247.93M... 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
$16.8B
Liabilities
$14.9B
Debt to equity
8.14
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
$62.5M
Investing
-$30.3M
Financing
$288.8M
CBU's operating cash flow ($224.89M)... subscribe to Premium to read more.
Debt Coverage Financials

CBU vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
CBUC$3.07B+0.26%16.04x1.67x
WSBCC$3.07B-0.62%20.73x0.81x
FHBD$3.09B+0.33%13.36x1.17x
CATYC$3.10B-0.47%11.11x1.08x
WSFSC$3.12B-0.79%12.30x1.17x

Community Financial System Stock FAQ

What is Community Financial System's quote symbol?

(NYSE: CBU) Community Financial System trades on the NYSE under the ticker symbol CBU. Community Financial System stock quotes can also be displayed as NYSE: CBU.

If you're new to stock investing, here's how to buy Community Financial System stock.

What is the 52 week high and low for Community Financial System (NYSE: CBU)?

(NYSE: CBU) Community Financial System's 52-week high was $73.39, and its 52-week low was $42.16. It is currently -20.87% from its 52-week high and 37.74% from its 52-week low.

How much is Community Financial System stock worth today?

(NYSE: CBU) Community Financial System currently has 52,851,453 outstanding shares. With Community Financial System stock trading at $58.07 per share, the total value of Community Financial System stock (market capitalization) is $3.07B.

Community Financial System stock was originally listed at a price of $15.66 in Dec 31, 1997. If you had invested in Community Financial System stock at $15.66, your return over the last 27 years would have been 270.94%, for an annualized return of 4.97% (not including any dividends or dividend reinvestments).

How much is Community Financial System's stock price per share?

(NYSE: CBU) Community Financial System stock price per share is $58.07 today (as of May 16, 2025).

What is Community Financial System's Market Cap?

(NYSE: CBU) Community Financial System's market cap is $3.07B, as of May 19, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Community Financial System's market cap is calculated by multiplying CBU's current stock price of $58.07 by CBU's total outstanding shares of 52,851,453.
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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.