
CBU
Community Financial System Inc
- Overview
- Forecast
- Valuation
- Earnings

Line
|

Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
60.590
Open
60.320
VWAP
60.02
Vol
233.94K
Mkt Cap
3.17B
Low
59.486
Amount
14.04M
EV/EBITDA(TTM)
13.67
Total Shares
52.77M
EV
3.86B
EV/OCF(TTM)
4.81
P/S(TTM)
4.83
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.
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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 -0.07% over the past three months. During the same period, the stock price has changed by 7.53%.
Revenue Estimates for FY2025
Revise Downward

-0.07%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward

+0.07%
In Past 3 Month
Stock Price
Go Up

+7.53%
In Past 3 Month
3 Analyst Rating

5.53% 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 63.33 USD with a low forecast of 50.00 USD and a high forecast of 73.00 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.
2 Buy
1 Hold
0 Sell
Moderate Buy

5.53% Upside
Current: 60.010

Low
50.00
Averages
63.33
High
73.00

5.53% Upside
Current: 60.010

Low
50.00
Averages
63.33
High
73.00
Keefe Bruyette
Market Perform
downgrade
$69 -> $67
2025-07-23
Reason
Keefe Bruyette
Price Target
$69 -> $67
2025-07-23
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
to
Strong Buy
Upgrades
$67
2024-10-28
Reason
Raymond James
Steve Moss
Price Target
$67
2024-10-28
Upgrades
Hold
to
Strong Buy
Reason
Raymond James upgraded Community Bank System to Strong Buy from Market Perform with a $67 price target.
See All Ratings
Valuation Metrics
The current forward P/E ratio for Community Financial System Inc (CBU.N) is 13.62, compared to its 5-year average forward P/E of 17.42. 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
17.42
Current PE
13.62
Overvalued PE
21.04
Undervalued PE
13.80
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.

N/A
5Y Average PS
4.68
Current PS
0.00
Overvalued PS
5.83
Undervalued PS
3.53
Financials
Annual
Quarterly
FY2025Q2
YoY :
+8.99%
169.17M
Total Revenue
FY2025Q2
YoY :
+8.74%
67.63M
Operating Profit
FY2025Q2
YoY :
+7.13%
51.33M
Net Income after Tax
FY2025Q2
YoY :
+6.59%
0.97
EPS - Diluted
FY2025Q2
YoY :
-14.67%
-153.89M
Free Cash Flow
FY2025Q2
YoY :
+46.76%
115.16
FCF Margin - %
FY2025Q2
YoY :
-1.72%
30.34
Net Margin - %
FY2025Q2
YoY :
+2.26%
7.24
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
88.4K
USD
1
3-6
Months
0.0
USD
0
6-9
Months
75.0K
USD
1
0-12
Months
574.5K
USD
2
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
1
19.9K
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
16.0K
USD
2
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
2
16.0K
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
88.4K
USD
1
3-6
Months
0.0
USD
0
6-9
Months
75.0K
USD
1
0-12
Months
574.5K
USD
2
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
1
19.9K
USD
Months
CBU News & Events
Events Timeline
2025-09-08 (ET)
2025-09-08
06:46:35
Community Financial invests in Leap Holdings through minority stake.

2025-07-16 (ET)
2025-07-16
16:32:38
Community Bank System raises quarterly dividend by 2.2% to 47c per share

2025-06-25 (ET)
2025-06-25
06:50:35
Banco Santander to sell seven branches to Community Bank

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News
1.0
09-10PRnewswireBPAS Earns Top Spots in NAPA Advisor Choice Awards
8.0
09-10NASDAQ.COMEx-Dividend Alert: SLR Investment, Hanover Insurance Group, and Community Financial System
8.5
09-08NewsfilterCommunity Financial System, Inc. Reveals Investment in Leap Holdings, Inc.
Sign Up For More News
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FAQ

What is Community Financial System Inc (CBU) stock price today?
The current price of CBU is 60.01 USD — it has decreased -0.99 % in the last trading day.

What is Community Financial System Inc (CBU)'s business?

What is the price predicton of CBU Stock?

What is Community Financial System Inc (CBU)'s revenue for the last quarter?

What is Community Financial System Inc (CBU)'s earnings per share (EPS) for the last quarter?

What changes have occurred in the market's expectations for Community Financial System Inc (CBU)'s fundamentals?

How many employees does Community Financial System Inc (CBU). have?
