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COMMUNITY FINANCIAL SYSTEM, INC. CBU

NYSE · stock · National Commercial Banks · website · IPO 1985-11-26 · LEI

COMMUNITY FINANCIAL SYSTEM, INC. statistics & valuation

Market cap$3.5B
P / E16.8×
P / S4.3×
P / B1.8×
P / FCF15.2×
Dividend yield2.75%
Net margin25.7%
Return on equity10.5%
FCF margin28.5%
Graham number -10.6%$58.24

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($58.24); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
27.70% 20.20% 24.50% 25.70% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.70% 9.20% 9.80% 9.10% 7.80% 9.00% 12.10% 7.80% 10.40% 10.50% 2016201720182019202020212022202320242025
Shares outstanding
44.5M 49.5M 51.7M 52.2M 53.3M 54.4M 54.2M 53.7M 52.9M 52.8M 2016201720182019202020212022202320242025
Net debt ($)
$793.2M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.20% 1.40% 1.60% 1.50% 1.20% 1.20% 1.20% 0.80% 1.10% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
29.70% 32.20% 29.70% 28.50% 2016201720182019202020212022202320242025
Debt / equity (×)
0.56× 2016201720182019202020212022202320242025
EPS ($)
$2.32 $3.03 $3.24 $3.23 $3.08 $3.48 $3.46 $2.45 $3.44 $3.97 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

COMMUNITY FINANCIAL SYSTEM, INC. trades at about 16.4× earnings — below its 10-year norm (10-year range 15.7×–25.2×, median 19×).

15.7× 25.2×

Shaded band = 10-year range (15.7×–25.2×); dot = today's 16.4×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin25.7%24.5%20.2%27.7%——————
FCF margin28.5%29.7%32.2%29.7%——————
Return on assets1.2%1.1%0.8%1.2%1.2%1.2%1.5%1.6%1.4%1.2%
Return on equity10.5%10.4%7.8%12.1%9.0%7.8%9.1%9.8%9.2%8.7%
Debt / equity—0.56×————————

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.