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Community Financial System Inc

CBU

57.025USD

+0.575+1.02%

Market hours （ET）Quotes delayed by 15 min

3.00BMarket Cap

14.64P/E TTM



Community Financial System Inc

57.025

+0.575+1.02%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Community Financial System Inc

Currency: USD Updated: 2025-11-10

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Community Financial System Inc's Score

Industry at a Glance

Industry Ranking

153 / 407

Overall Ranking

225 / 4611

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 4 analysts

Buy

Current Rating

68.000

Target Price

+19.61%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Community Financial System Inc Highlights

StrengthsRisks

Community Financial System, Inc., formerly Community Bank System, Inc., is a diversified financial services company. The Company is focused on four main business lines, such as banking, employee benefit services, insurance services and wealth management. The Company’s banking subsidiary, Community Bank, N.A., operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. The Company’s Benefit Plans Administrative Services, Inc. subsidiary is a provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting services to customers on a national scale. The Company’s OneGroup NY, Inc. subsidiary is a United States insurance agency. The Company also offers comprehensive financial planning, trust administration and wealth management services through its Wealth Management operating unit.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 52.83%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 52.83%.

Undervalued

The company’s latest PB is 1.53, at a low 3-year percentile range.

Institutional Selling

The latest institutional holdings are 39.82M shares, decreasing 4.39% quarter-over-quarter.

Held by ETHSX

Star Investor ETHSX holds 286.44K shares of this stock.

Higher Market Activity

The company has more investor interest, with a 20-day turnover ratio of 0.18.

Financial Health

Currency: USD Updated: 2025-11-10

The company's current financial score is 5.11, which is lower than the Banking Services industry's average of 7.05. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 173.80M, representing a year-over-year increase of 9.03%, while its net profit experienced a year-over-year increase of 26.03%.

Score

Industry at a Glance

Previous score

5.11

Change



Financials

8.55

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

3.55

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.57

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

5.78

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.08

Key Metrics

Free cash flow

No Data

Community Financial System Inc's Company Valuation

Currency: USD Updated: 2025-11-10

The company’s current valuation score is 5.90, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 14.50, which is 57.30% below the recent high of 22.81 and 7.97% above the recent low of 13.35.

Score

Industry at a Glance

Previous score

5.90

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 153/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-10

The company’s current earnings forecast score is 8.00, which is higher than the Banking Services industry's average of 7.41. The average price target for Community Financial System Inc is 66.50, with a high of 73.00 and a low of 66.00.

Score

Industry at a Glance

Previous score

8.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 4 analysts

Buy

Current Rating

68.000

Target Price

+19.61%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

Community Financial System Inc

CBU

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

Regions Financial Corp

US Bancorp

USB

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-10

The company’s current price momentum score is 6.59, which is lower than the Banking Services industry's average of 7.77. Sideways: Currently, the stock price is trading between the resistance level at 58.79 and the support level at 54.17, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.67

Change

-0.08

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.220

Neutral

RSI(14)

47.419

Neutral

STOCH(KDJ)(9,3,3)

62.442

Neutral

ATR(14)

1.306

High Vlolatility

CCI(14)

61.671

Neutral

Williams %R

41.699

Buy

TRIX(12,20)

-0.129

Sell

StochRSI(14)

69.478

Sell

Moving Average

Sell(3)

Neutral(0)

Buy(3)

Indicators

Value

Direction

MA5

56.392

Buy

MA10

56.279

Buy

MA20

56.471

Buy

MA50

58.004

Sell

MA100

57.463

Sell

MA200

57.887

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-10

The company’s current institutional recognition score is 7.00, which is higher than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 75.62%, representing a quarter-over-quarter decrease of 0.68%. The largest institutional shareholder is The Vanguard, holding a total of 6.30M shares, representing 11.97% of shares outstanding, with 1.89% decrease in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

7.08M

-1.41%

The Vanguard Group, Inc.

Star Investors

6.38M

+0.81%

Neuberger Berman, LLC

3.80M

+4.53%

State Street Investment Management (US)

3.20M

-0.50%

Dimensional Fund Advisors, L.P.

1.83M

+1.62%

Calvert Research and Management

1.27M

+0.04%

Geode Capital Management, L.L.C.

1.24M

+0.10%

Hermes Investment Management Ltd.

756.86K

-9.28%

Charles Schwab Investment Management, Inc.

629.51K

-2.66%

Norges Bank Investment Management (NBIM)

607.45K

+7.73%

Risk Assessment

Currency: USD Updated: 2025-11-10

The company’s current risk assessment score is 8.06, which is higher than the Banking Services industry's average of 6.61. The company's beta value is 0.79. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.