Community Financial System (CBU) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Community Financial System

NYSE•Financial Services•Banks - Regional

$62.77+0.06(<0.01%)Pre-market

Market Cap

$3.26B

P/E

14.3x

P/S

3.1x

P/B

1.6x

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability23/25

Growth20/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.3x5y range 13.9x – 21.2x

Currently near its 20-quarter median.

P/S · 3.1x5y range 2.8x – 6.4x

Currently near its 20-quarter median.

P/B · 1.6x5y range 1.5x – 2.2x

Price & Volume

Market Cap $3.26B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.05B
Q. Revenue: $268.36M
TTM EBITDA: $335.78M
TTM Op. Income: $300.52M
Q. Op. Income: $80.81M
TTM Net Income: $228.06M
Q. Net Income: $61.33M
EPS: $1.16
Shares Out.: $52.61M

$1.05B in TTM revenue grew 7.1% YoY, reaching $268.36M last quarter. TTM EBITDA of $335.78M and TTM operating income of $300.52M show growth is flowing through to the bottom line. TTM net income of $228.06M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 83.2%
EBITDA Margin: 34.0%
Op. Margin: 30.1%
Net Margin: 22.9%

Op. margin of 30.1% is up 3.4% YoY — cost efficiency is improving. Net margin at 22.9% and gross margin of 83.2% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.3x
P/S Ratio: 3.1x
P/B Ratio: 1.6x

At 14.3x P/E, the stock trades below typical market levels. P/S of 3.1x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 7% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $17.76B
Cash: $258.17M
Long-Term Debt: $598.00M
Book Value: $2.07B
D/E Ratio: 0.3
Debt/EBITDA: 6.5

With $17.76B in assets and $598.00M in long-term debt, D/E is 0.3and book value is $2.07B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 5% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $51.05M
TTM Free Cash Flow: $246.67M
FCF Margin: 23.6%
FCF / Net Income: 1.1

TTM FCF of $246.67M on $51.05M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 5 consecutive quarters — an improving trend.