Indicators
Indicators
Value
Direction
MACD(12,26,9)
-0.334
Neutral
RSI(14)
51.705
Neutral
STOCH(KDJ)(9,3,3)
20.531
Sell
ATR(14)
1.395
Low Volatility
CCI(14)
-97.655
Neutral
Williams %R
68.799
Sell
TRIX(12,20)
0.232
Sell
StochRSI(14)
0.000
Oversold
Community Financial System Inc
CBU59.030USD
-0.050-0.08%
Close 12/26, 16:00（ET）Quotes delayed by 15 min
3.11BMarket Cap
15.18P/E TTM
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: 2025-12-24Key Insights
Community Financial System Inc's fundamentals are relatively healthy, and its growth potential is high.Its valuation is considered fairly valued, ranking 65/402 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 66.80.In the medium term, the stock price is expected to remain stable.Despite an average stock market performance over the past month, the company shows strong fundamentals and 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
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Analyst Rating
Based on
5
analysts
Buy
Current Rating
66.800
Target Price
+12.46%
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. is a diversified financial services company that is focused on four main business lines, such as banking, employee benefit services, insurance services and wealth management services. The Company’s banking subsidiary, Community Bank, N.A. (CBNA), operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. CBNA provides a wide array of lending and depository-related products and services. 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%.
Fairly Valued
The company’s latest PB is 1.60, at a medium 3-year percentile range.
Institutional Buying
The latest institutional holdings are 40.86M shares, increasing 0.00% quarter-over-quarter.
Held by HACAX
Star Investor HACAX holds 188.00 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: 2025-12-24The current financial score of Community Financial System Inc is 8.76, ranking 65/402 in the Banking Services industry. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 173.56M, representing a year-over-year increase of 8.89%, while its net profit experienced a year-over-year increase of 25.48%.
Score
Financials
7.89
Key Metrics
Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.
Quality of Earnings
10.00
Operational Efficiency
10.00
Growth Potential
7.32
Shareholder Returns
8.60
Community Financial System Inc's Company Valuation
Currency: USD Updated: 2025-12-24The current valuation score of Community Financial System Inc is 5.90, ranking 384/402 in the Banking Services industry. Its current P/E ratio is 15.19, which is 50.18% below the recent high of 22.81 and 12.13% above the recent low of 13.35.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 65/402
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2025-12-24The current earnings forecast score of Community Financial System Inc is 7.60, ranking 146/402 in the Banking Services industry. The average price target for Community Financial System Inc is 66.00, with a high of 73.00 and a low of 62.00.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Analyst Rating
Based on
5
analysts
Buy
Current Rating
66.800
Target Price
+12.46%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
304
Total
4
Median
5
Average
Company name
Ratings
Analysts
Community Financial System Inc
CBU
5
JPMorgan Chase & Co
JPM
26
Bank of America Corp
BAC
26
Wells Fargo & Co
WFC
26
Regions Financial Corp
RF
25
US Bancorp
USB
25
1
2
3
...
61
Financial Forecasting
EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.
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: 2025-12-24The current price momentum score of Community Financial System Inc is 7.19, ranking 232/402 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 61.46 and the support level at 56.49, making it suitable for range-bound swing trading.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
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.
Moving Average
Indicators
Value
Direction
MA5
59.410
Sell
MA10
59.847
Sell
MA20
59.281
Sell
MA50
57.453
Buy
MA100
58.015
Buy
MA200
57.007
Buy
Institutional Confidence
Currency: USD Updated: 2025-12-24The current institutional shareholding score of Community Financial System Inc is 7.00, ranking 58/402 in the Banking Services industry. The latest institutional shareholding proportion is 79.50%, representing a quarter-over-quarter decrease of 0.43%. The largest institutional shareholder is The Vanguard, holding a total of 6.30M shares, representing 11.97% of shares outstanding, with 0.05% decrease in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Shareholder Activity
Name
Shares Held
Chg %
BlackRock Institutional Trust Company, N.A.
Neuberger Berman, LLC
State Street Investment Management (US)
Dimensional Fund Advisors, L.P.
Calvert Research and Management
Geode Capital Management, L.L.C.
Hermes Investment Management Ltd.
Charles Schwab Investment Management, Inc.
1
2
Risk Assessment
Currency: USD Updated: 2025-12-24The current risk assessment score of Community Financial System Inc is 8.17, ranking 88/402 in the Banking Services industry. The company's beta value is 0.80. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.
Score
Beta vs S&P 500 index
0.81
VaR
+2.82%
240-Day Maximum Drawdown
+25.17%
240-Day Volatility
+31.88%
Return
Best Daily Return
60 days
+4.08%
120 days
+5.30%
5 years
+13.81%
Worst Daily Return
60 days
-4.48%
120 days
-4.48%
5 years
-8.24%
Sharpe Ratio
60 days
+0.14
120 days
-0.00
5 years
+0.03
Risk Assessment
Maximum Drawdown
240 days
+25.17%
3 years
+38.71%
5 years
+53.91%
Return-to-Drawdown Ratio
240 days
+0.03
3 years
-0.03
5 years
-0.09
Skewness
240 days
-0.12
3 years
+0.58
5 years
+0.45
Volatility
Realised Volatility
240 days
+31.88%
5 years
+31.15%
Standardised True Range
240 days
+2.56%
5 years
+2.66%
Downside Risk-Adjusted Return
120 days
-0.56%
240 days
-0.56%
Maximum Daily Upside Volatility
60 days
+18.33%
Maximum Daily Downside Volatility
60 days
+16.22%
Liquidity
Average Turnover Rate
60 days
+0.49%
120 days
+0.47%
5 years
--
Turnover Deviation
20 days
+17.80%
60 days
-2.57%
120 days
-7.68%
Peer Comparison
Banking Services
Community Financial System Inc
CBU
7.55 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Credicorp Ltd
BAP
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
CFG
8.79 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
WTFC
8.65 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
View more
FAQs
How does TradingKey generate the Stock Score of Community Financial System Inc?
The TradingKey Stock Score provides a comprehensive assessment of Community Financial System Inc based on 34 indicators derived from over 100 underlying data points. These indicators are categorised into six key dimensions: financial health, company profile, earnings forecasts, price momentum, institutional confidence, and risk assessment, collectively providing investors with a thorough analysis of Community Financial System Inc’s performance and outlook.
How do we generate the financial health score of Community Financial System Inc?
To generate the financial health score of Community Financial System Inc, we analyse various key financial indicators across several core dimensions, including financial fundamentals, earnings quality, operational efficiency, growth potential, and shareholder returns. By integrating these comprehensive data, the financial health score not only reflects Community Financial System Inc's overall stability, operational efficiency, and growth potential but also captures the investment returns delivered to shareholders. This score aims to support rational decision-making for investors and other stakeholders. A higher score indicates a better financial health of Community Financial System Inc.
How do we generate the company valuation score of Community Financial System Inc?
To generate the company valuation score of Community Financial System Inc, we use several key financial ratios, including P/E, P/B, P/S, and P/CF. These metrics compare Community Financial System Inc’s market value to its earnings, assets, sales, and cash flow, serving as core indicators for assessing company value. By analysing these ratios in an all-round manner, the valuation score reflects not only the market’s current perception of Community Financial System Inc’s value but also its future profitability and growth potential, thereby supporting more informed investment decisions. A higher score indicates a fairer valuation of Community Financial System Inc.
How do we generate the earnings forecast score of Community Financial System Inc?
To calculate the earnings forecast score of Community Financial System Inc, we consider various key indicators such as analyst ratings, financial forecasts, support and resistance levels, and peer comparisons:Current ratings and price targets directly reflect analysts’ expectations, while the upside space indicates their views on the stock’s growth potential.Financial metrics like earnings per share (EPS), revenue, net income, and earnings before interest and taxes (EBIT) are core measures for assessing profitability.By analysing the high, median, and low ranges of the target price, we can identify price trends and determine key support and resistance levels.Comparing these indicators against peers provides context for the stock’s performance and helps
anchor more realistic expectations.These factors together form a comprehensive earnings forecast score that accurately reflects the stock’s expected financial performance and growth potential. A higher score suggests that analysts have a more optimistic outlook on Community Financial System Inc’s future.
How do we generate the price momentum score of Community Financial System Inc?
When generating the price momentum score for Community Financial System Inc, we examine momentum indicators including support and resistance levels as well as volume metrics.Support levels represent price points where buying interest is strong enough to prevent further declines, while resistance levels indicate prices where selling pressure may hinder upward movement. By analysing typical price volume alongside total volume, we assess overall market activity and liquidity. These indicators help identify price trends and potential shifts, enabling more accurate predictions of future earnings.This comprehensive approach can reflect market sentiment and enable rational forecasts of Community Financial System Inc’s prices. A higher score indicates a more stable short-term price trend for Community Financial System Inc.
How do we generate the institutional confidence score of Community Financial System Inc?
To generate the institutional confidence score of Community Financial System Inc, we analyse both the proportion of shares held by institutions and the number of shares they own. A higher institutional ownership percentage indicates strong confidence of professional investors, which is generally a positive signal about Community Financial System Inc’s potential. By examining the number of shares held, we gain deeper insight into institutions’ commitment and attitude toward the stock, as institutional investors typically conduct thorough analysis before making investment decisions. Understanding institutional confidence helps us refine earnings forecasts and provides a more reliable perspective on the company’s future performance and market stability. A higher score indicates greater institutional endorsement of Community Financial System Inc.
How do we generate the risk management score of Community Financial System Inc?
To assess the risk management score of Community Financial System Inc, we examine multiple key indicators related to returns, risk, volatility, and liquidity.The highest and lowest daily returns reflect the potential size of gains and losses, while the Sharpe ratio measures risk-adjusted return performance. On the risk side, we analyse maximum drawdown and the return-to-drawdown ratio to identify extreme loss scenarios. Skewness helps assess the distribution of returns and whether performance may be biased. Volatility indicators—such as realised volatility and standardised true range—reveal price fluctuations. Downside risk-adjusted returns provide insight into potential losses and gains. Lastly, liquidity metrics like average turnover rate and turnover deviation indicate how actively the stock is traded.These indicators together provide a multi-dimensional understanding of Community Financial System Inc’s risk-return profile, serving as core factors of the risk management score. A higher score indicates lower risk on the side of Community Financial System Inc.
