Community Financial System Inc CBU

Morningstar Rating

About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

CBU is trading at a 10% premium.
Price
$57.15
Fair Value
$72.25
Uncertainty
Very High
1-Star Price
$52.34
5-Star Price
$55.33
Economic Moat
Kwm
Capital Allocation

News

Trading Information

Previous Close Price
Day Range
52-Week Range
Bid/Ask
/
Market Cap
Volume/Avg
/

Key Statistics

Price/Earnings (Normalized)
16.68
Price/Sales
4.27
Dividend Yield (Trailing)
3.16%
Dividend Yield (Forward)
3.22%
Total Yield
4.95%

Company Profile

Community Financial System Inc is a diversified financial services company that is focused on four main business lines – banking, benefits administration, insurance services and wealth management. The Company also offers comprehensive financial planning, trust administration and wealth management services through its Community Bank Wealth Management operating unit. Key revenue is generated from banking business.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Core
Total Number of Employees
2,849

Comparables

Valuation

Metric
CBU
HTH
EBTC
Price/Earnings (Normalized)
16.6818.1311.11
Price/Book Value
1.810.961.17
Price/Sales
4.271.832.36
Price/Cash Flow
14.058.678.60
Price/Earnings
CBU
HTH
EBTC

Financial Strength

Metric
CBU
HTH
EBTC
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
CBU
HTH
EBTC
Return on Assets (Normalized)
1.18%0.75%0.82%
Return on Equity (Normalized)
11.25%5.82%11.57%
Return on Invested Capital (Normalized)
Return on Assets
CBU
HTH
EBTC

Banks - Regional Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNP Paribas ADR
BNPQY
QcjmjnqyrZgwr$79.9 Bil
Intesa Sanpaolo ADR
ISNPY
VbryjxnfdCxqml$77.2 Bil
PNC Financial Services Group Inc
PNC
WckvfpycBmxkfbx$72.8 Bil
U.S. Bancorp
USB
VyrbvpmqvRyqy$71.0 Bil
Itau Unibanco Holding SA ADR
ITUB
JwbxcqlkTqmrw$61.8 Bil
Truist Financial Corp
TFC
NfxxnbdtHyjgdf$56.9 Bil
Mizuho Financial Group Inc ADR
MFG
YvjmsyjgYjvb$49.2 Bil
Lloyds Banking Group PLC ADR
LYG
TjjsrrlqkRgllv$49.0 Bil
NatWest Group PLC ADR
NWG
NwkmvjgyhRhkg$38.5 Bil
Deutsche Bank AG
DB
ZgbccXprvy$33.9 Bil

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