CBU Valuation

Community Financial System Inc

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59.890

-0.65(-1.074%)1D

Overview
Forecast
Valuation
Earnings

CBU Relative Valuation

CBU's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CBU is overvalued; if below, it's undervalued.

Historical Valuation

Community Financial System Inc (CBU) is now in the Undervalued zone, suggesting that its current forward PE ratio of 13.79 is considered Undervalued compared with the five-year average of 17.53. The fair price of Community Financial System Inc (CBU) is between 60.28 to 85.58 according to relative valuation methord. Compared to the current price of 59.89 USD , Community Financial System Inc is Undervalued By 0.64%.

Relative Value

Fair Zone

60.28-85.58

Current Price：59.89

0.64%

Undervalued

13.79

Trailing

Forward

0.00

EV/EBITDA

Community Financial System Inc. (CBU) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Community Financial System Inc. (CBU) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.76

Community Financial System Inc. (CBU) has a current PS of 3.76. The 5-year average PS is 4.70. The thresholds are as follows: Strongly Undervalued below 2.40, Undervalued between 2.40 and 3.55, Fairly Valued between 5.84 and 3.55, Overvalued between 5.84 and 6.99, and Strongly Overvalued above 6.99. The current Forward PS of 3.76 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Community Financial System Inc. (CBU) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Community Financial System Inc. (CBU) has a current P/FCF of 0.00. The 5-year average P/FCF is 2.59. The thresholds are as follows: Strongly Undervalued below -13.19, Undervalued between -13.19 and -5.30, Fairly Valued between 10.49 and -5.30, Overvalued between 10.49 and 18.38, and Strongly Overvalued above 18.38. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Community Financial System Inc (CBU) has a current Price-to-Book (P/B) ratio of 1.71. Compared to its 3-year average P/B ratio of 1.74 , the current P/B ratio is approximately -2.11% higher. Relative to its 5-year average P/B ratio of 1.80, the current P/B ratio is about -5.07% higher. Community Financial System Inc (CBU) has a Forward Free Cash Flow (FCF) yield of approximately 6.21%. Compared to its 3-year average FCF yield of 7.02%, the current FCF yield is approximately -11.53% lower. Relative to its 5-year average FCF yield of 6.19% , the current FCF yield is about 0.33% lower.

1.71

P/B

Median3y

1.74

Median5y

1.80

6.21

FCF Yield

Median3y

7.02

Median5y

6.19

Competitors Valuation Multiple

The average P/S ratio for CBU's competitors is 3.46, providing a benchmark for relative valuation. Community Financial System Inc Corp (CBU) exhibits a P/S ratio of 3.76, which is 8.61% above the industry average. Given its robust revenue growth of 8.99%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CBU.N

Community Financial System Inc

Simmons First National Corp

Fulton Financial Corp

2.70

14.83%

3.58B

Performance Decomposition

Market capitalization of CBU increased by 0.48% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 155.22M to 169.17M.

The secondary factor is the Margin Expansion, contributed -1.72%to the performance.

Overall, the performance of CBU in the past 1 year is driven by Revenue Growth. Which is more sustainable.

8.99%

155.22M → 169.17M

Revenue Growth

-1.72%

30.87 → 30.34

Margin Expansion

-6.79%

17.75 → 16.55

P/E Change

0.48%