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Community Financial System, Inc. (CBU) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Community Financial System, Inc.

CBUMarket cap $3.12BPrice $59.2

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks, insurance, and wealth management services across upstate New York and beyond. Manages billions in assets while staying small enough to still know customers by name.

In Bastion Portfolios?

52W Return+8%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+6%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+10%–

Rev CAGR (5y)+8%7

Earnings Forecast

EPS Growth Y+1+17%8

EPS Growth Y+2+14%7

EPS Growth Y+3+16%8

Quality

Margins

EBIT Margin0%5

Net Income Margin27%9

Free Cash Flow Margin29%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE12%5

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)108

P/BV1.58

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield3.3%8

Momentum

Short term

1 month return-5%5

3 month return-9%4

YTD return+6%6

Mid term

Price vs 52wHigh84%6

1 year return+5%5

Long term

3 year return+55%6

5 year return-3%3

Risk Shield

Price Risk

Beta0.95

Volatility23%9

Free Cash Flow

Free Cash Flow Margin29%9

Free Cash Flow Yield0.0%8

Quality

ROCE13%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CBUCommunity Financial System

Revenue FY25$818M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+8%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+14%7

EPS growth, FY28E+16%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 10%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 6%/yr over the last 3 years and is set to grow 10%/yr from here.

The runway holds up: revenue is set to grow 8%/yr over five years.7/10

Earnings are set to grow faster than sales (EPS about 16%/yr vs revenue 10%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE37 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-9%4

YTD return+6%6

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+5%5

3-year return+55%6

5-year return-3%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+55% over three years and -3.4% over five), roughly average for the market.

It's up 5% over the past year, but 16% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%), over three months (-9%) and so far this year (+6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Community Financial System, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CBUCommunity Financial System

Revenue FY25$818M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+6%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+10%–

Revenue, next 5Y, CAGR+8%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+14%7

EPS growth, FY28E+16%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 10%/yr over the next 3 years, ahead of most of the market.7/10

Revenue grew 6%/yr over the last 3 years and is set to grow 10%/yr from here.

The runway holds up: revenue is set to grow 8%/yr over five years.7/10

Earnings are set to grow faster than sales (EPS about 16%/yr vs revenue 10%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE37 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-5%5

3-month return-9%4

YTD return+6%6

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+5%5

3-year return+55%6

5-year return-3%3

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+55% over three years and -3.4% over five), roughly average for the market.

It's up 5% over the past year, but 16% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-5%), over three months (-9%) and so far this year (+6%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Community Financial System, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community