Stocktoria
COMMUNITY FINANCIAL SYSTEM, INC. CBU
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 2.75% (safety: moderate). FY2025 revenue was $818.0M at a 25.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-04-30 | Piper Sandler | Neutral (main) |
| 2026-02-25 | DA Davidson | Neutral (init) |
| 2026-01-13 | Janney Montgomery Scott | Neutral (down) |
| 2025-10-23 | Keefe, Bruyette & Woods | Market Perform (reit) |
| 2025-07-23 | Keefe, Bruyette & Woods | Market Perform (main) |
| 2025-01-22 | Keefe, Bruyette & Woods | Market Perform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CBU | COMMUNITY FINANCIAL SYSTEM, INC. | 6/9 | — | 16.8 | +9.6% |
| CASH | PATHWARD FINANCIAL, INC. | 6/9 | — | 9.9 | +5.3% |
| PRK | PARK NATIONAL CORP /OH/ | 6/9 | — | 18.3 | +2.9% |
| ZION | ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ | 6/9 | — | 10.9 | +3.6% |
| WBHC | WILSON BANK HOLDING CO | 6/9 | — | 243.5 | +14.2% |
| FULT | FULTON FINANCIAL CORP | 3/9 | — | 11.8 | -6.5% |
| HAFC | HANMI FINANCIAL CORP | 6/9 | — | 12.8 | +15.3% |
All Finance, Insurance & Real Estate companies →
About COMMUNITY FINANCIAL SYSTEM, INC.
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.
FAQ
Is CBU financially healthy?
COMMUNITY FINANCIAL SYSTEM, INC.'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does CBU pay a dividend, and is it safe?
Yes. COMMUNITY FINANCIAL SYSTEM, INC. pays a dividend yielding about 2.75% with a 46.4% payout ratio, rated “moderate” for safety.
How profitable is CBU?
In FY2025, COMMUNITY FINANCIAL SYSTEM, INC. had a net margin of 25.7% and a return on equity of 10.5%.
Is CBU overvalued or undervalued?
COMMUNITY FINANCIAL SYSTEM, INC. trades at about 16.4× trailing earnings — below its 10-year norm (10-year range 15.7×–25.2×, median 19.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CBU?
The average Wall-Street price target for COMMUNITY FINANCIAL SYSTEM, INC. is $68.50, about 5.2% above the recent price, from 6 analysts (consensus: hold).
Is CBU a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on COMMUNITY FINANCIAL SYSTEM, INC.: a Piotroski F-score of 6/9, a P/E of about 16.8×, a dividend yield of 2.75%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.