Community Bank System Inc (CBU) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Community Bank System Inc stock (CBU) is currently trading at $57.31. Community Bank System Inc PE ratio is 14.18. Community Bank System Inc PS ratio (Price-to-Sales) is 3.73. Analyst consensus price target for CBU is $68.33. WallStSmart rates CBU as Moderate Buy.
- CBU PE ratio analysis and historical PE chart
- CBU PS ratio (Price-to-Sales) history and trend
- CBU intrinsic value — DCF, Graham Number, EPV models
- CBU stock price prediction 2025 2026 2027 2028 2029 2030
- CBU fair value vs current price
- CBU insider transactions and insider buying
- Is CBU undervalued or overvalued?
- Community Bank System Inc financial analysis — revenue, earnings, cash flow
- CBU Piotroski F-Score and Altman Z-Score
- CBU analyst price target and Smart Rating
Community Bank System Inc
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CBU Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Community Bank System Inc (CBU)
CBU appears undervalued based on the Graham Formula, trading 25% below its estimated fair value of $88.61.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Community Bank System Inc (CBU) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Community Bank System Inc (CBU) Key Strengths (5)
Keeps $35 of every $100 in revenue after operating costs
Keeps $26 of every $100 in revenue as net profit
77.59% of shares held by major funds and institutions
Trading at 1.48x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Community Bank System Inc (CBU) Areas to Watch (5)
Paying a premium for growth, expensive relative to earnings expansion
Modest earnings growth at 9.70%
Moderate profitability with room for improvement
Revenue is fairly priced at 3.73x sales
Solid revenue growth at 10.70% per year
Community Bank System Inc (CBU) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.48) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.90%, Profit Margin at 26.40%.
The Bear Case
The primary concerns are PEG Ratio, EPS Growth, Return on Equity. Some valuation metrics including PEG Ratio (2.63), Price/Sales (3.73) suggest expensive pricing. Growth concerns include Revenue Growth at 10.70%, EPS Growth at 9.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (PEG Ratio, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CBU Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CBU's Price-to-Sales ratio of 3.73x trades 18% below its historical average of 4.53x (16th percentile). The current valuation is 56% below its historical high of 8.5x set in Dec 2016, and 51% above its historical low of 2.47x in Jun 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Community Bank System Inc (CBU) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Community Bank System Inc is a mature, profitable business with steady cash generation. Revenue reached 797M with 11% growth year-over-year. Profit margins are strong at 26.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1120.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 26.4% and operating margin of 34.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 331.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Community Bank System Inc.
Bottom Line
Community Bank System Inc is a well-established business delivering consistent profitability with 26.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Community Bank System Inc(CBU)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Community Bank System, Inc. is the banking holding company for Community Bank, NA providing various banking and other financial services to retail, commercial and municipal clients. The company is headquartered in Onondaga, New York.