Community Financial System Inc (CBU) is now in the Undervalued zone, suggesting that its current forward PE ratio of 12.46 is considered Undervalued compared with the five-year average of 16.85. The fair price of Community Financial System Inc (CBU) is between 65.00 to 93.99 according to relative valuation method. Compared to the current price of 60.98 USD , Community Financial System Inc By Undervalued By 6.18%.

Relative Value

Fair Zone

65.00-93.99

Current Price：60.98

6.18%

Undervalued

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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Community Financial System Inc (CBU) has a current Price-to-Book (P/B) ratio of 1.58. Compared to its 3-year average P/B ratio of 1.64, the current P/B ratio is approximately -3.91% higher. Relative to its 5-year average P/B ratio of 1.80, the current P/B ratio is about -12.40% higher. Community Financial System Inc (CBU) has a Forward Free Cash Flow (FCF) yield of approximately 7.53%. Compared to its 3-year average FCF yield of 7.29%, the current FCF yield is approximately 3.23% lower. Relative to its 5-year average FCF yield of 6.34%, the current FCF yield is about 18.70% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for CBU competitors is 3.55, providing a benchmark for relative valuation. Community Financial System Inc Corp (CBU.N) exhibits a P/S ratio of 3.50, which is -1.43% above the industry average. Given its robust revenue growth of 10.23%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of CBU increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of CBU in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is CBU currently overvalued or undervalued?

Community Financial System Inc (CBU) is now in the Undervalued zone, suggesting that its current forward PE ratio of 12.46 is considered Undervalued compared with the five-year average of 16.85. The fair price of Community Financial System Inc (CBU) is between 65.00 to 93.99 according to relative valuation method. Compared to the current price of 60.98 USD, Community Financial System Inc is Undervalued By 6.18%.

What is Community Financial System Inc (CBU) fair value?

CBU's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Community Financial System Inc (CBU) is between 65.00 to 93.99 according to relative valuation method.

How does CBU's valuation metrics compare to the industry average?

The average P/S ratio for CBU's competitors is 3.55, providing a benchmark for relative valuation. Community Financial System Inc Corp (CBU) exhibits a P/S ratio of 3.50, which is -1.43% above the industry average. Given its robust revenue growth of 10.23%, this premium appears unsustainable.

What is the current P/B ratio for Community Financial System Inc (CBU) as of Mar 03 2026?

As of Mar 03 2026, Community Financial System Inc (CBU) has a P/B ratio of 1.58. This indicates that the market values CBU at 1.58 times its book value.

What is the current FCF Yield for Community Financial System Inc (CBU) as of Mar 03 2026?

As of Mar 03 2026, Community Financial System Inc (CBU) has a FCF Yield of 7.53%. This means that for every dollar of Community Financial System Inc's market capitalization, the company generates 7.53 cents in free cash flow.

What is the current Forward P/E ratio for Community Financial System Inc (CBU) as of Mar 03 2026?

As of Mar 03 2026, Community Financial System Inc (CBU) has a Forward P/E ratio of 12.46. This means the market is willing to pay $12.46 for every dollar of Community Financial System Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Community Financial System Inc (CBU) as of Mar 03 2026?

As of Mar 03 2026, Community Financial System Inc (CBU) has a Forward P/S ratio of 3.50. This means the market is valuing CBU at $3.50 for every dollar of expected revenue over the next 12 months.

CBU Valuation