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CBU
$61.26-1.19 (-1.91%)
Community Financial System, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Community Financial System, Inc. in the Financial Services sector is trading at $61.26. Wall Street consensus targets $68.50 (6 analysts), implying a +11.8% move over the next 12 months. The stock is currently 9% below its 52-week high of $67.50, remaining 4.1% above its 200-day moving average. On fundamentals, Piotroski 7/9 indicates strong financial quality. The Whystock Score of 90/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side targets imply +11.8% upside over 12 months
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Sector + growth-aware fair-multiple estimate. Fair P/E = sector-anchor + (ROE × 25) + (max(revenue growth, earnings growth) × 30), capped at 1.6× sector. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. The sector anchor (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) keeps quality compounders from being mechanically penalized against utility multiples. Result is a normalised multiple gauge — not a price target.
Current Price$61.26
Potential Upside
4.4%
Whystock Fair Value$63.98
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus6 analysts
Hold
Mean target$68.50+11.8%
Range$66.00 – $75.00
Fundamentals
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 s...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$3.29B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
15.73
Beta
Defensive asset. Lower volatility than the S&P 500.
0.78
Div Yield
Strong income play. Yield provides a meaningful total return floor.
299.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
9.70%
Volume
Today's trading volume
243,774
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Assessing Community Financial System (CBU) Valuation After Recent Share Price Momentum
Why Community Financial System is on investors’ radar Community Financial System (CBU) has drawn fresh interest after recent share price moves, with the stock showing a 1 day return of 1.82% and a month gain of 8.03%. Those short term moves sit alongside a past 3 months return of 1.38% and a 1 year total return of 18.79%. This has prompted some investors to reassess how the regional bank fits into their portfolios. See our latest analysis for Community Financial System. The recent 1 month...
Community Financial System Inc (CBU) Q1 2026 Earnings Call Highlights: Strong Revenue Growth ...
Community Financial System Inc (CBU) reports robust financial performance with a 9% revenue increase, despite facing challenges in non-interest revenues and credit risk management.