What sector does Community Bank System, Inc. belong to?

Community Bank System, Inc. operates in the Financials sector, specifically the Regional Banks industry, and is listed on the US markets.

What is the current share price of CBU?

As of the latest available quote, CBU traded at $62.54. This price is delayed and cached for about 15 minutes.

What is the P/E ratio of CBU?

Community Bank System, Inc. has a price-to-earnings (P/E) ratio of about 14.51. The P/E ratio compares the share price to earnings per share and is most useful when compared with sector peers and the company's own history.

What is the market capitalisation of CBU?

The market capitalisation of Community Bank System, Inc. is approximately $3.32B.

Is Community Bank System, Inc. profitable?

For its latest reported financial year, Community Bank System, Inc. recorded a net profit margin of about 25.73%.

Does CBU pay a dividend?

Community Bank System, Inc. currently has a dividend yield of about 3.00%.

What is the return on equity (ROE) of CBU?

Community Bank System, Inc. has a return on equity (ROE) of about 10.15%. ROE measures how much profit a company generates relative to shareholders' equity.

What is the 52-week high and low of CBU?

Over the past 52 weeks, CBU has traded between a low of $53.46 and a high of $71.11.

Community Bank System, Inc.

CBU US Financials Regional Banks

S&P 600

$62.54

-0.26%

Delayed · cached 15 min

Fair value analysis

CBU

Community Bank System, Inc.

$62.54

Close used for this calculation

$63.58Fair value

Financial DNA Score

Profitability · Returns · Balance Sheet · Efficiency · Growth

56/100

Profitability19/25

Returns10/25

Balance Sheet11/25

Efficiency16/25

Growth8/25

Good

Quality radar

Consensus fair value

$63.58

Near FV

▲ +1.7% against the close used

Model range $21.56 – $79.40

The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$21.56Fair value$63.58Bull$79.40

FairClose

52-week traded range

52W low $53.6752W high $70.99

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

Community Bank System, Inc. closed at $62.54, 1.6% below the consensus fair value of $63.58 drawn from 9 valuation models.

Financial DNA score 56/100 — Good. P/E of 15.8x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation

$71.16

+13.8%

Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10

g=5.4%, r=10%, tg=3%, n=10yr

Graham Number

$59.27

-5.2%

√(22.5 × EPS × BVPS)

EPS=3.97, BVPS=39.33 · outside Graham range (P/E 15.8, P/B 1.6) — asset-light, treat as a rough floor

P/E Fair Value

$79.40

+27.0%

EPS × 20x (sector P/E)

EPS=3.97, Sector P/E=20x

Peter Lynch (PEG)

$21.56

-65.5%

EPS × Growth% (PEG = 1 is fair)

EPS=3.97, g=5.4%

EV/EBITDA

$69.79

+11.6%

(EBITDA × 12.7x − Net Debt) ÷ Shares

EBITDA=290.97M

Dividend Discount (DDM)

$42.85

-31.5%

D1 ÷ (r − g) where D1 = D0×(1+g)

D0=1.86, r=10%, g=5.4%

Book Value (P/B)

$40.62

-35.0%

BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]

BVPS=39.33, ROE=10.2%, g=5.4%, r=10%

Reverse DCF

$62.54

+0.0%

Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV

Implied: 3.9% | Historical: 5.4%

Margin of Safety

$52.46

-16.1%

Avg(DCF, Graham, P/E) × 75% (25% safety buffer)

Avg fair value=69.94, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Fair value analysis

Consensus fair value

Price target range & 52-week position

Valuation summary

All valuation models

Equity Timer