CBU
Community Bank System Inc
NYSE: CBU · FINANCIAL SERVICES · BANKS - REGIONAL
$62.46
+0.22% today
Updated 2026-06-05
Market cap
$3.48B
P/E ratio
16.06
P/S ratio
4.27x
EPS (TTM)
$4.12
Dividend yield
2.86%
52W range
$50 – $67
Volume
0.2M
WallStSmart proprietary scores
67
out of 100
Grade: B
Buy
Investment rating
7.3
Growth
B+6.5
Quality
B7.5
Profitability
B+5.0
Valuation
C+7/9
Piotroski F-Score
Strong
0.3
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →199 stocks currently score above 75
Price targets
Analyst target
$68.50
+9.67%
12-Month target
$62.89
+0.69%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy1 Buy5 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Piotroski 7/9 — strong financial health
+ Profit margin 26.80% — above average
+ Free cash flow $60.30M — positive
+ Debt/equity 0.32x — low leverage
Risks
- Altman Z 0.31 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $702.45M | $755.98M | $940.71M | $1.01B | $814.75M |
| Net income | $188.08M | $131.92M | $182.48M | $210.46M | $57.22M |
| EPS | — | — | — | — | $4.12 |
| Free cash flow | $201.68M | $209.84M | $221.57M | $233.33M | $60.30M |
| Profit margin | 26.77% | 17.45% | 19.40% | 20.82% | 26.80% |
Peer comparison
Smart narrative
Community Bank System Inc trades at $62.46. representing a P/E of 16.06x trailing earnings. Our Smart Value Score of 67/100 indicates the stock is good. The company scores 7/9 on the Piotroski F-Score. With an Altman Z-Score of 0.31, it sits in the distress. TTM revenue stands at $814.75M. with profit margins at 26.80%.
Frequently asked questions
What is Community Bank System Inc's stock price?
Community Bank System Inc (CBU) trades at $62.46, on a P/E of 16.1x and a P/S of 4.3x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Community Bank System Inc overvalued?
Community Bank System Inc carries a Smart Value Score of 67/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Community Bank System Inc (CBU)?
The 12-month analyst consensus target is $68.50, about 9.7% above the current $62.46. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Community Bank System Inc's revenue?
Community Bank System Inc's trailing twelve-month revenue is $814.75M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Community Bank System Inc's Altman Z-Score is 0.31, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio4.27x
ROE11.25%
Beta0.80
50D MA$62.95
200D MA$60.28
Shares out0.05B
Float0.05B
Short ratio—
Avg volume0.2M
Performance
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