Community Financial System: Network Expansion, Deposit Re-Pricing Are The Biggest Earnings Catalysts
Community Financial System: Network Expansion, Deposit Re-Pricing Are The Biggest Earnings Catalysts
Fiscal Year: January - December
Community Financial System, Inc. (CBU), listed on the NYSE, has a market capitalization of $. As of Jul 05, 2025, the stock is trading at $60.08 per share, offering investors a clear view of its current market value. Community Financial System, Inc. is a prominent player in the industry sector, attracting both institutional and retail investors due to its performance and potential.
With a P/E ratio of 16.64, investors can assess the stock's valuation in comparison to its earnings. A P/E ratio is a crucial indicator for value investors, showing whether the stock is over or undervalued relative to its current earnings. Community Financial System, Inc. also offers a dividend yield of 3.06%, making it an attractive option for income-focused investors who seek regular dividends.
Our Discounted Cash Flow (DCF) analysis reveals that Community Financial System, Inc. (CBU) may be overvalued compared to its intrinsic worth. However, to see the exact DCF fair value, please Login or Upgrade for access.
The proprietary SS Score for Community Financial System, Inc. is a unique metric that analyzes the company's financial health and growth potential. The score takes into account critical factors such as revenue growth, net income, free cash flow (FCF) compound annual growth rate (CAGR), the trend of shares outstanding, and the debt-to-FCF ratio. This helps investors to make a more informed decision, as an undervalued stock might still have poor financial fundamentals.
To view the detailed SS Score for Community Financial System, Inc., Login or Upgrade for access.
The Price to Free Cash Flow (P/FCF) ratio for Community Financial System, Inc. is 16.18, offering insights into how much investors are paying for the company's free cash flow. A lower P/FCF ratio typically suggests that the stock is undervalued, while a higher ratio may indicate overvaluation.
In summary, Community Financial System, Inc. (CBU) has shown consistent financial performance, as illustrated by the financial charts above, which track its revenue growth, net income, free cash flow, and shares outstanding over the past several years. These metrics provide investors with key insights into the company's past and projected future performance. Investors should use the SS Score alongside the DCF Fair Value to make better-informed decisions about whether to buy or hold the stock.
*This analysis is for informational purposes only and does not constitute investment advice. Always read the company's 10-K filings and do your own research before making any investment decisions.
Whether Community Financial System, Inc. (CBU) is a good stock to buy depends on various factors, including its financial health, market conditions, and your investment strategy. Our analysis indicates that the stock may be overvalued compared to its intrinsic value. However, it is important to assess the SS Score and review the company's fundamentals before making any investment decisions.
The fair value of Community Financial System, Inc. (CBU) is determined through our Discounted Cash Flow (DCF) analysis. This value represents the intrinsic worth of the stock based on its expected future cash flows. To view the specific fair value, consider subscribing to our service for complete access.
The SS Score is a proprietary financial quality metric that assesses factors such as revenue growth, net income, free cash flow growth, and debt levels. It helps investors evaluate the overall financial health of Community Financial System, Inc.. To access the full SS Score, consider upgrading your subscription.
Community Financial System, Inc. is a significant player in the industry sector, with a market capitalization of $ and a competitive P/E ratio of 16.64. Investors should compare these metrics with industry peers to gauge whether Community Financial System, Inc. is outperforming or underperforming within its sector.
Community Financial System: Network Expansion, Deposit Re-Pricing Are The Biggest Earnings Catalysts
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Bank Accelerates Greater Lehigh Valley PA Expansion.
SYRACUSE, N.Y., June 23, 2025 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (NYSE: CBU) (the “Company”) will host a conference call to discuss its financial and operating results for the second...
Community Financial System, Inc. (NYSE:CBU) Q1 2025 Earnings Conference Call April 29, 2025 11:00 AM ET Company Participants Dimitar Karaivanov - President & Chief Executive Officer Marya Wlos - Chie...
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Reports First Quarter 2025 Results.
Victor Kwitkiwski, Jim Nolan, and Dan Roderigues join GTC to drive national growth and deepen institutional partnerships WOBURN, Mass. , April 28, 2025 /PRNewswire/ -- Global Trust Company (GTC), a le...
UTICA, N.Y. , April 15, 2025 /PRNewswire/ --BPAS, a leading national provider of retirement plans, benefit plans, fund administration, and collective investment trusts, announced today it has earned c...
Along with most of the market, shares of New York-based Community Financial System have been dragged down by tariff turmoil. This bank enjoys cheap funding costs and has a good track record when it co...
SYRACUSE, N.Y., March 24, 2025 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company's financial and operating perform...
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Appoints Marya Burgio Wlos as Executive Vice President and Chief Financial Officer.
Community Financial System's Q4 2024 report showed double-digit growth in earnings and revenues, with strong profitability and low deposit costs, driving investor optimism. The bank's net interest mar...
Community Financial System, Inc. (NYSE:CBU) Q4 2024 Earnings Conference Call January 21, 2025 11:00 AM ET Company Participants Dimitar Karaivanov - President and Chief Executive Officer Joseph Sutari...
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Reports Fourth Quarter and Full Year 2024 Results.
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Announces Quarterly Dividend.
SYRACUSE, N.Y., Dec. 19, 2024 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company's financial and operating performa...
The upcoming maturity of fixed-rate loans and the subsequent reinvestment will boost the margin. Interest rate cuts and strong labor markets bode well for loan growth. The December 2025 target price s...
Community Bank System, Inc. (NYSE:CBU) Q3 2024 Earnings Conference Call October 22, 2024 11:00 AM ET Company Participants Dimitar Karaivanov - President and Chief Executive Officer Joseph Sutaris - E...
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Reports Third Quarter 2024 Results.
SYRACUSE, N.Y., Sept. 23, 2024 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company's financial and operating perform...
As fall approaches, twelve smaller financial institutions are set to increase dividends, averaging a 7.6% increase. My investment strategy focuses on companies with consistent dividend growth and outp...
Peter Lynch achieved 29% annual returns for 13 years, focusing on safety, quality, and growth at a reasonable price, or GARP. Lynch popularized the PEG (price/earnings/growth) ratio. During the last 3...
SYRACUSE, N.Y., Aug. 27, 2024 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (the “Company") (NYSE: CBU) will host its Investor Day on Friday, September 6, 2024, starting at 9:00 AM ET at Sieber...
Community Financial System has a history of increasing dividends for 32 years, conservative management, and sustainable dividend yield, making it a reliable choice for investors. But it is still a bit...
Community Bank System, Inc. (NYSE:CBU) Q2 2024 Earnings Conference Call July 23, 2024 11:00 AM ET Company Participants Dimitar Karaivanov - President and Chief Executive Officer Joseph Sutaris - Chie...
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 32nd Consecutive Year of Dividend Increases.
Below estimates were sourced from SimplyWallSt and are intended for educational purposes only as a baseline for the analysis.
Year | FCF Estimate | % | # Analysts |
---|---|---|---|
2025 | 210.90M | -4.82% | Est @-4.8% |
2026 | 200.23M | -5.06% | Est @-5.1% |
2027 | 200.00M | -0.11% | Est @-0.1% |
2028 | 201.25M | 0.62% | Est @0.6% |
2029 | 203.55M | 1.14% | Est @1.1% |
2030 | 206.42M | 1.41% | Est @1.4% |
2031 | 209.83M | 1.65% | Est @1.7% |
2032 | 213.64M | 1.81% | Est @1.8% |
2033 | 217.77M | 1.94% | Est @1.9% |
2034 | 221.87M | 1.88% | Est @1.9% |
Below are the FCF estimates with the discount factor and the calculated present value with the terminal value that led the results above.
Year | FCF | Discount Factor | PV of Future FCF |
---|---|---|---|
2023A | 209.84M | 1.00 | 209.84M |
2024A | 221.57M | 1.00 | 221.57M |
2025E | 210.90M | 1.10 | 192.21M |
2026E | 200.23M | 1.20 | 166.31M |
2027E | 200.00M | 1.32 | 151.40M |
2028E | 201.25M | 1.45 | 138.84M |
2029E | 203.55M | 1.59 | 127.99M |
2030E | 206.42M | 1.75 | 118.29M |
2031E | 209.83M | 1.91 | 109.58M |
2032E | 213.64M | 2.10 | 101.68M |
2033E | 217.77M | 2.31 | 94.47M |
2034E | 221.87M | 2.53 | 87.71M |
Terminal | 3.15B | 2.53 | 1.24B |
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