CBU

Community Financial System Inc

Add to Watchlist

Advanced Chart

54.290

-0.17(-0.312%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

54.660

Open

54.480

VWAP

54.31

Vol

301.91K

Mkt Cap

2.87B

Low

53.540

Amount

16.40M

EV/EBITDA(TTM)

Total Shares

52.77M

3.53B

EV/OCF(TTM)

P/S(TTM)

4.33

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

206.85M

+9.48%

1.038

+25.06%

211.65M

+7.83%

1.100

+17.02%

214.18M

+9.14%

1.102

+18.49%

Estimates Revision

The market is revising Downward the revenue expectations for Community Financial System, Inc. (CBU) for FY2025, with the revenue forecasts being adjusted by -0.46% over the past three months. During the same period, the stock price has changed by -2.44%.

Revenue Estimates for FY2025

Revise Downward

-0.46%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+4.78%

In Past 3 Month

Stock Price

Go Down

-2.44%

In Past 3 Month

3 Analyst Rating

19.73% Upside

Wall Street analysts forecast CBU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CBU is 65.00 USD with a low forecast of 61.00 USD and a high forecast of 69.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

2 Hold

0 Sell

Moderate Buy

19.73% Upside

Current: 54.290

Low

61.00

Averages

65.00

High

69.00

19.73% Upside

Current: 54.290

Low

61.00

Averages

65.00

High

69.00

Keefe Bruyette

Market Perform

downgrade

$69 -> $67

2025-07-23

New

Reason

Keefe Bruyette

Price Target

$69 -> $67

2025-07-23

New

downgrade

Market Perform

Reason

Keefe Bruyette lowered the firm's price target on Community Bank System to $67 from $69 and keeps a Market Perform rating on the shares.

Keefe, Bruyette & Woods

Christopher O'Connell

Hold

Maintains

$74 → $76

2025-01-22

Reason

Keefe, Bruyette & Woods

Christopher O'Connell

Price Target

$74 → $76

2025-01-22

Maintains

Hold

Reason

Piper Sandler

Frank Schiraldi

Hold

Initiates

$70

2024-12-05

Reason

Piper Sandler

Frank Schiraldi

Price Target

$70

2024-12-05

Initiates

Hold

Reason

Keefe, Bruyette & Woods

Christopher O'Connell

Hold

Maintains

$64 → $74

2024-12-04

Reason

Keefe, Bruyette & Woods

Christopher O'Connell

Price Target

$64 → $74

2024-12-04

Maintains

Hold

Reason

Raymond James

Steve Moss

Hold

Strong Buy

Upgrades

$67

2024-10-28

Reason

Raymond James

Steve Moss

Price Target

$67

2024-10-28

Upgrades

Hold

Strong Buy

Reason

Raymond James upgraded Community Bank System to Strong Buy from Market Perform with a $67 price target.

Keefe, Bruyette & Woods

Christopher O'Connell

Hold

Maintains

$59

2024-09-10

Reason

Keefe, Bruyette & Woods

Christopher O'Connell

Price Target

$59

2024-09-10

Maintains

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Community Financial System Inc (CBU.N) is 12.36, compared to its 5-year average forward P/E of 17.73. For a more detailed relative valuation and DCF analysis to assess Community Financial System Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Undervalued

5Y Average PE

17.73

Current PE

12.36

Overvalued PE

21.37

Undervalued PE

14.09

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Undervalued

5Y Average PS

4.73

Current PS

3.44

Overvalued PS

5.87

Undervalued PS

3.59