NYSE · CBU
Community Financial System, Inc.
$66.59 -$0.65 (-0.97%) 1D Market openKey Metrics
$3.53B
Market cap
16.21×
P/E · TTM
$835.05M
Revenue · TTM
$218.06M
Net income
EPS · TTM
$4.12
Dividend yield
2.8%
Free cash flow
$241.68M
Beta · 1Y
0.62
EBITDA · TTM
$302.93M
Gross margin
—
Snapshot
Market cap$3.53B
Enterprise value—
Shares outstanding52.6M
52-wk range$51.12 – $71.11
Avg volume · 20D261.2K
Net cash
—
Book value / share$38.25
IndustryNational Commercial Banks
ExchangeNYSE
About Community Financial System, Inc.
IPO dateJul 18, 1984
Employees3001
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers.
Wolf Grade COMING SOON
—
The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.
Valuation
P/E16.21
P/S4.23
P/FCF14.62
EV/EBITDA—
EV/Sales—
Graham №$59.55
Profitability
Gross
—
Operating
34.2%
Net
26.1%
FCF
28.9%
ROE / ROIC
11.5% · 15.0%
Financial Health
Current ratio—
Quick ratio—
Debt / equity—
Debt / EBITDA
—
Net cash
—
Working capital—
Cash Flow · TTM
Operating CF
$310.91M
Capex
−$69.23M
Free cash flow
$241.68M
Buybacks
$26.63M
Dividends paid
$98.12M
Shareholder yield
3.5%
Piotroski F-Score
5 / 9
Middling fundamentals · 5 of 9 signals passing
Altman Z-Score
0.3
Distress zone (< 1.81) · elevated risk
Graham Number vs Price
$59.55 vs $66.59
Trades 1.1× above classic defensive value — priced for growth
Fundamentals through 2026-03-31 · computed by TickerWolf from SEC filings