Community Financial System Inc. Common Stock (CBU)

FairStock Score: 53/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Community Financial System as a conservatively run regional bank holding company, not a fast compounder. At the 2026-10-13 close of $58.77, FairStock calculations show a P/E of 13.64, P/B of 1.49, and dividend yield of 3.23%, against EPS of $4.31 and ROE of 11.53%. That is not a bargain-bin multiple for a bank earning low-teens on equity, but it is not egregious either. Recent filed results are encouraging: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $223.2 million, net income $61.3 million, and diluted EPS $1.16. In fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $213.3 million, net income $57.2 million, and diluted EPS $1.08. Full-year FY2025 revenue was $818.0 million, net income $210.5 million, and diluted EPS $3.97, up from FY2024's $3.44 and FY2023's $2.45. That is respectable, but the Lynch classification is Slow Grower—5% annual profit growth over five years—so I would not underwrite rapid growth. The business has diversification from employee benefit, insurance, and wealth management, which can cushion banking spreads. However, I cannot see CET1, net interest margin, charge-offs, loan-loss reserves, or combined ratio in the data, so key credit and capital risks are hidden. Piotroski 4/9 and ROCE 1.33% also suggest only middling financial strength. This looks like a fair-priced, income-oriented bank that needs closer examination of credit quality before conviction.

In plain English: Community Financial System is a bank holding company that offers banking along with insurance, wealth management, and employee benefit services. It has been earning more lately, pays a dividend, and its profits have grown, but over the long run it has been a slow grower. At $58.77, the price looks about fair compared with its profits and accounting value—not a steal, not obviously expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer