# Community Financial System Inc. (CBU) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $63.80, market value $3.3 billion.

## Valuation
- **P/E (trailing): 14.4×** (5-yr avg 17.1×, 3-yr avg 17.0×). Community Financial System Inc. trades at 14.4× trailing earnings, close to its own five-year average of 17.1×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.80**. A PEG of 0.80 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.9×**. Each dollar of revenue is priced at 3.9×.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.4%** (5-yr avg 7.0%). Free cash flow equals 7.4% of the market value, in line with its five-year average of 7.0%. Above 5% is generally attractive.
- **Earnings yield: 6.9%**. The inverse of the P/E: 6.9% of the price is earned each year.

## Profitability
- **Net margin: 25.7%**. 25.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.5%**. 10.5% on shareholders' equity is solid.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 9.6%** (3-yr 6.4%/yr). Revenue grew 9.6% over the last year.
- **EPS growth (1 yr): 15.4%** (3-yr 4.7%/yr, 5-yr 5.2%/yr). Earnings per share rose 15.4%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 5.0%/yr**. Free cash flow has compounded at 5.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $302 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.98%** ($1.90 per share, trailing). Community Financial System Inc. yields 2.98%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 46%** (40% of free cash flow). 46% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 2.3%/yr** (1-yr 2.2%). The dividend has grown 2.3% a year over five years.

## Analyst view
- **Analyst consensus: hold** (6 analysts). 6 analysts cover Community Financial System Inc.; the consensus is hold, with an average price target of $69.00 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 18.9%** (YTD 14.0%, 3-mo -3.1%). The shares are up 18.9% over twelve months including dividends.
- **From 52-week high: -10.3%** (19.3% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 67**. An RSI of 67 is neutral.
- **Beta (1 yr): 0.48** (volatility 22%). Beta of 0.48 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CBU · Page: https://foliofundamentals.com/stocks/cbu

Not investment advice.