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Community Financial System Inc

CBU
66.390USD
+1.000+1.53%
Close 02/06, 16:00ETQuotes delayed by 15 min
3.50BMarket Cap
16.68P/E TTM

Community Financial System Inc

66.390
+1.000+1.53%
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
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: 2026-02-06

Key Insights

Community Financial System Inc's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 58 out of 397 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 67.50.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its 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

Industry at a Glance

Industry Ranking
58 / 397
Overall Ranking
105 / 4521
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 26.78% year-on-year.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 693.72M.
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%.
Overvalued
The company’s latest PB is 1.74, at a high 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 4 analysts
Buy
Current Rating
67.500
Target Price
+3.23%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Community Financial System Inc is 8.72, ranking 67 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 184.83M, representing a year-over-year increase of 10.16%, while its net profit experienced a year-over-year increase of 9.77%.

Score

Industry at a Glance

Previous score
8.72
Change
0

Financials

7.79

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

7.22

Shareholder Returns

8.59

Community Financial System Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Community Financial System Inc is 5.90, ranking 379 out of 397 in the Banking Services industry. Its current P/E ratio is 16.68, which is 36.77% below the recent high of 22.81 and 19.98% 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 58/397
Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of Community Financial System Inc is 7.00, ranking 188 out of 397 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
7.00
Change
0

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 4 analysts
Buy
Current Rating
67.500
Target Price
+3.23%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell

Peer Comparison

306
Total
4
Median
5
Average
Company name
Ratings
Analysts
Community Financial System Inc
CBU
4
JPMorgan Chase & Co
JPM
27
Wells Fargo & Co
WFC
27
Bank of America Corp
BAC
26
US Bancorp
USB
26
PNC Financial Services Group Inc
PNC
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: 2026-02-06

The current price momentum score of Community Financial System Inc is 9.14, ranking 212 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 68.92 and the support level at 61.74, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
9.02
Change
0.12

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.

Indicators
Sell(1)
Neutral(1)
Buy(2)
Indicators
Value
Direction
MACD(12,26,9)
0.651
Buy
RSI(14)
69.904
Neutral
STOCH(KDJ)(9,3,3)
89.744
Overbought
ATR(14)
1.742
High Vlolatility
CCI(14)
143.249
Buy
Williams %R
5.571
Overbought
TRIX(12,20)
0.290
Sell
StochRSI(14)
100.000
Overbought
Moving Average
Sell(0)
Neutral(0)
Buy(6)
Indicators
Value
Direction
MA5
65.036
Buy
MA10
63.443
Buy
MA20
62.695
Buy
MA50
60.567
Buy
MA100
58.924
Buy
MA200
57.921
Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Community Financial System Inc is 7.00, ranking 57 out of 397 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 11.89% of shares outstanding, with 0.69% 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%
Calvert Research and Management
1.28M
+0.48%
Geode Capital Management, L.L.C.
1.25M
+0.67%
Hermes Investment Management Ltd.
743.46K
-1.77%
NFJ Investment Group, LLC
726.05K
+588.77%
Charles Schwab Investment Management, Inc.
638.06K
+1.36%
1
2

Risk Assessment

Currency: USD Updated: 2026-02-06

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 397 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. with an industry-leading ESG disclosure.

Score

Industry at a Glance

Previous score
8.76
Change
0
Beta vs S&P 500 index
0.80
VaR
+2.82%
240-Day Maximum Drawdown
+20.55%
240-Day Volatility
+31.39%

Return

Best Daily Return
60 days
+5.07%
120 days
+5.30%
5 years
+13.81%
Worst Daily Return
60 days
-3.59%
120 days
-4.48%
5 years
-8.24%
Sharpe Ratio
60 days
+2.62
120 days
+0.98
5 years
+0.11

Risk Assessment

Maximum Drawdown
240 days
+20.55%
3 years
+31.90%
5 years
+53.91%
Return-to-Drawdown Ratio
240 days
+0.32
3 years
+0.26
5 years
-0.05
Skewness
240 days
-0.09
3 years
+0.61
5 years
+0.44

Volatility

Realised Volatility
240 days
+31.39%
5 years
+31.16%
Standardised True Range
240 days
+2.26%
5 years
+2.36%
Downside Risk-Adjusted Return
120 days
+173.63%
240 days
+173.63%
Maximum Daily Upside Volatility
60 days
+20.24%
Maximum Daily Downside Volatility
60 days
+15.07%

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
Community Financial System Inc
CBU
7.87 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
East West Bancorp Inc
EWBC
8.86 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
Citizens Financial Group Inc
CFG
8.79 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Shinhan Financial Group Co Ltd
Shinhan Financial Group Co Ltd
SHG
8.77 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
GATX Corp
GATX Corp
GATX
8.70 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
Wintrust Financial Corp
WTFC
8.69 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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