Community Financial System Inc

CBU

56.800USD

-1.110-1.92%

Close 03/27, 16:00（ET）Quotes delayed by 15 min

Community Financial System Inc's Score

Industry at a Glance

Industry Ranking

129 / 400

Overall Ranking

215 / 4542

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Neutral

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 Growth

The company's revenue has grown steadily over the past 3 years, averaging 26.71% year-on-year.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 693.35M.

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 1.49, at a low 3-year percentile range.

Institutional Buying

The latest institutional holdings are 40.86M shares, increasing 0.00% quarter-over-quarter.

Held by CI Select Canadian Equity Fund

Star Investor CI Select Canadian Equity Fund holds 28.00 shares of this stock.

Higher Market Activity

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

Analyst Rating

Based on 6 analysts

Hold

Current Rating

68.333

Target Price

+19.23%

Upside Space

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

The current financial score of Community Financial System Inc is 5.40, ranking 319 out of 400 in the Banking Services industry. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 184.94M, representing a year-over-year increase of 10.23%, while its net profit experienced a year-over-year increase of 9.34%.

Score

Industry at a Glance

Previous score

5.40

Change

0



Financials

8.01

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.

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Quality of Earnings

3.86

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.

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Operational Efficiency

2.75

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.

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Growth Potential

7.37

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.

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Shareholder Returns

4.99

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

The current valuation score of Community Financial System Inc is 5.90, ranking 375 out of 400 in the Banking Services industry. Its current P/E ratio is 14.28, which is 59.74% below the recent high of 22.81 and 6.54% above the recent low of 13.35.

Score

Industry at a Glance

Previous score

5.90

Change

0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 129/400

Relevant data have not been disclosed by the company yet.

The current earnings forecast score of Community Financial System Inc is 6.67, ranking 234 out of 400 in the Banking Services industry. The average price target is 66.00, with a high of 73.00 and a low of 62.00.

Score

Industry at a Glance

Previous score

6.67

Change

0

Support & Resistance

Relevant data have not been disclosed by the company yet.

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.

The current price momentum score of Community Financial System Inc is 6.97, ranking 216 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 60.72 and the support level at 53.89, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.26

Change

-0.29

Support & Resistance

Relevant data have not been disclosed by the company yet.

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of Community Financial System Inc is 7.00, ranking 56 out of 400 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 6.26M shares, representing 11.88% of shares outstanding, with 0.77% decrease in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

6.93M

-2.11%

The Vanguard Group, Inc.

Star Investors

6.30M

-1.21%

Neuberger Berman, LLC

4.02M

+5.96%

State Street Investment Management (US)

3.30M

+2.88%

Dimensional Fund Advisors, L.P.

1.82M

-0.54%

Geode Capital Management, L.L.C.

1.25M

+0.67%

Calvert Research and Management

1.28M

+0.48%

NFJ Investment Group, LLC

726.05K

+588.77%

Norges Bank Investment Management (NBIM)

607.45K

+7.73%

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The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Community Financial System Inc is 8.76, ranking 62 out of 400 in the Banking Services industry. 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. with an industry-leading ESG disclosure.

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