Community Financial System Inc

Community Financial System Inc (CBU) Stock Analysis

$63.160

+0.082 (+0.13%)At close

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High
63.550
Open
63.230
VWAP
63.21
Vol
146.98K
Mkt Cap
2.41B
Low
62.915
Amount
9.29M
EV/EBITDA, TTM
9.24

Community Financial System, Inc. is a diversified financial services company. The Company's business segments include Banking and Corporate, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking segment is a community bank serving the financial needs of customers in local communities. The Employee Benefit Services segment operates a national practice that provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, and health and welfare consulting services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services. The Wealth Management Services segment provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services and personal financial planning services. It also offers trust administration services.

AI analysis of Community Financial System Inc (CBU)

hold

Community Bank System Inc is currently a hold. The stock is trading at $63.16, which is below the average analyst price target of $71, suggesting potential upside. However, the RSI is at 35.825, indicating the stock is oversold, which could lead to further price declines in the short term. Additionally, the recent insider selling, with a 226.35% increase in selling activity, raises concerns about confidence in the stock's near-term performance.

Analyst Ratings (9)

+0.54% upside
Hold
1 Buy
7 Hold
1 Sell
Current: 63.16
Low
62.00
Average
63.50
High
65.00

Piper Sandler

2026-08-03

Price Target

$71

Overweight

Keefe Bruyette

2026-07-30

Price Target

$68

Market Perform

Raymond James

2026-04-30

Price Target

$75

Strong Buy

Piper Sandler

2026-04-30

Price Target

$66

Neutral

DA Davidson

2026-02-25

Price Target

$72

Neutral

Valuation Metrics

The current forward P/E ratio for Community Financial System Inc (CBU) is 15.77, compared to its 5-year average forward P/E of 16.00.

Forward P/E

Fair
5Y Average P/E
16.00
Current P/E
15.77
Overvalued
18.78
Undervalued
13.22

Forward EV/EBITDA

Strongly Overvalued
5Y Average EV/EBITDA
1.30
Current EV/EBITDA
9.24
Overvalued
4.66
Undervalued
-2.05

Forward P/S

Fair
5Y Average P/S
4.16
Current P/S
3.44
Overvalued
5.07
Undervalued
3.26

Alphio AI Price Scenarios for CBU

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%CBU

$57.86

Scenario price

B

Base

Base · 50%CBU

$53.43

Scenario price

B

Bear

Bear · 25%CBU

$44.06

Scenario price

Whales holding CBU

N

NFJ Investment Group, LLC

+ HoldingCBU

+6.30%

3M Return

Events Timeline

2026-07-28 (ET)

07:00:00

Company Reports Q2 Revenue of $223.16M, Beating Expectations

2026-07-22 (ET)

16:30:00

Dividend Payable on October 13, 2026

2026-04-29 (ET)

06:20:00

Company Reports Q1 Revenue of $213.29M, Below Consensus

2026-01-27 (ET)

07:00:00

Company Reports Q4 Revenue of $215.45M

2026-01-15 (ET)

06:50:00

Community Financial Acquires ClearPoint Bank for $40 Million

News

CBU FAQ — answered by Alphio AI

Community Financial System, Inc. is a diversified financial services company. The Company's business segments include Banking and Corporate, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking segment is a community bank serving the financial needs of customers in local communities. The Employee Benefit Services segment operates a national practice that provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, and health and welfare consulting services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services. The Wealth Management Services segment provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services and personal financial planning services. It also offers trust administration services. It operates in the Financials sector (NATIONAL COMMERCIAL BANKS industry).

Community Bank System Inc is currently a hold. The stock is trading at $63.16, which is below the average analyst price target of $71, suggesting potential upside. However, the RSI is at 35.825, indicating the stock is oversold, which could lead to further price declines in the short term. Additionally, the recent insider selling, with a 226.35% increase in selling activity, raises concerns about confidence in the stock's near-term performance.

9 analysts cover CBU: 1 rate it Buy, 7 Hold and 1 Sell. The average price target is 63.50.

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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