NYSE · Financial · Banks - Regional · USA
Community Financial System Inc is a mid cap company (market value between $2 billion and $10 billion) in the Banks - Regional industry.
Community Financial System Inc operates as a diversified financial services enterprise through two main subsidiaries. Community Bank provides deposit and lending services across five northeastern states, while its benefit services division delivers retirement plan administration and trust services nationally. The company also offers insurance products and wealth advisory services to various customer types including corporations, individuals, and institutions.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Community Financial System Inc stock.
Slightly overvalued: intrinsic value $52.82 per share, market price $60.81, margin of safety -15.1% (as of 2026-10-20).
Book value at 1.37x, the multiple a 11.5% return on equity justifies, blended with earnings, values the shares at $52.82; the price of $60.81 is 15% above that value.
Leak Score: 50/100 on 11 of 12 signals (Weak Signal).
17 more funds hold it; the full list is part of the paid plan.
All 323 Banks - Regional stocks
202 more in this industry show a wider margin of safety.
CBU is slightly overvalued (as of the 2026-10-20 close). Book value at 1.37x, the multiple a 11.5% return on equity justifies, blended with earnings, values the shares at $52.82; the price of $60.81 is 15% above that value.
$52.82 per share (as of the 2026-10-20 close), against a market price of $60.81. That is a margin of safety of -15.1%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
50 out of 100, which we rate "Weak Signal", on 11 of 12 value investing signals.