US · CBU
Community Bank System, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Dewitt, NY 13214-1883
- Website
- cbna.com
Price · as of 2025-12-31
$63.62
Market cap 3.19B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $26.56 | -58.25% |
| Intrinsic Value(DCF) | $41.10 | -35.4% |
| Graham-Dodd Method(GD) | $28.45 | -55.28% |
| Graham Formula(GF) | $26.22 | -58.79% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $17.50 | $39.88 | $9.92 | $7.75 | $29.71 |
| 2012 | $19.51 | $32.11 | $33.31 | $7.77 | $26.30 |
| 2013 | $26.15 | $41.94 | $43.48 | $6.04 | $51.93 |
| 2014 | $25.40 | $26.53 | $49.70 | $9.24 | $0.00 |
| 2015 | $29.00 | $26.32 | $54.66 | $9.56 | $22.20 |
| 2016 | $44.50 | $39.82 | $57.39 | $9.61 | $53.05 |
| 2017 | $44.90 | $38.58 | $64.92 | $14.66 | $85.45 |
| 2018 | $49.44 | $40.54 | $64.96 | $14.68 | $59.59 |
| 2019 | $52.46 | $36.74 | $60.50 | $13.98 | $42.20 |
| 2020 | $70.74 | $36.32 | $76.56 | $15.61 | $25.87 |
| 2021 | $62.71 | $33.63 | $102.52 | $16.39 | $37.31 |
| 2022 | $48.88 | $46.51 | $91.76 | $4.63 | $64.42 |
| 2023 | $44.15 | $35.10 | $61.64 | $1.60 | $37.90 |
| 2024 | $57.68 | $52.68 | $33.62 | $7.30 | $108.85 |
| 2025 | $60.98 | $26.56 | $37.55 | $28.45 | $26.22 |
AI valuation
Our deep-learning model estimates Community Bank System, Inc.'s (CBU) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $26.56
- Current price
- $63.62
- AI upside
- -58.25%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$41.10
-35.4% upside
Graham-Dodd
$28.45
-55.28% upside
Graham Formula
$26.22
-58.79% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CBU | Community Bank System, In… | $63.62 | 3.19B | -58% | -35% | -55% | -59% | 16.24 | 1.70 | 3.68 | 12.95 | 103.47 | 3.21 | 73.43% | 31.40% | 22.66% | 11.17% | 9.01% | 1.25% | 0.34 | 1.51 | 0.08 | 0.00 | 2.17 | 1570.00% | -128.00% | 3623.00% | 8.83% | 0.08 | 12.20% | 2.85% | 46.40% | 6.60% | 14.09 | 13.61 | 4.42 | -0.01 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| CATY | Cathay General Bancorp | $49.71 | 3.38B | -34% | -18% | -32% | +12% | 10.94 | 1.10 | 2.25 | 4.92 | — | 1.27 | 49.78% | 22.83% | 20.56% | 10.25% | 24.08% | 1.24% | 0.08 | 0.48 | 0.09 | 0.09 | 0.21 | -1872.00% | 611.00% | -1464.00% | 10.41% | 0.02 | 27.40% | 3.13% | 34.30% | 20.72% | 5.18 | 5.05 | 1.18 | -0.57 |
| FBK | FB Financial Corporation | $54.69 | 2.92B | -5% | +35% | -24% | -7% | 23.72 | 1.49 | 3.31 | 4.17 | — | 1.86 | 58.86% | 15.78% | 13.97% | 6.98% | -93.31% | 0.83% | 0.17 | 0.44 | 36.81 | 36.81 | -5.45 | -323.00% | 1448.00% | 1785.00% | 5.36% | 2.19 | -118.59% | 0.00% | 0.00% | 5.22% | 4.53 | 4.03 | 0.72 | 0.46 |
| FHB | First Hawaiian, Inc. | $24.76 | 3.06B | +54% | -6% | +2% | 0% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| FULT | Fulton Financial Corporat… | $20.45 | 3.68B | +85% | -6% | -11% | +35% | 9.78 | 1.10 | 2.02 | 7.45 | 30.10 | 1.33 | 67.42% | 25.68% | 20.71% | 11.71% | 15.02% | 1.22% | 0.37 | 0.84 | 0.05 | 0.05 | 1.94 | 3248.00% | 503.00% | -2400.00% | 7.43% | 0.01 | 10.91% | 3.69% | 36.10% | 5.41% | 8.12 | 13.87 | 2.09 | -0.76 |
| RNST | Renasant Corporation | $37.65 | 3.58B | -32% | +73% | -17% | +88% | 10.27 | 0.75 | 1.93 | 2.25 | 38.39 | 1.25 | 62.92% | 23.60% | 18.83% | 7.86% | 15.01% | 1.10% | 0.20 | 0.65 | 0.14 | 0.14 | -2.00 | 2674.00% | 1410.00% | -878.00% | 5.77% | 0.01 | 8.89% | 2.68% | 27.50% | 27.04% | 2.54 | 5.38 | 0.60 | -0.58 |
| TBBK | The Bancorp, Inc. | $52.49 | 2.42B | -12% | -12% | -24% | -48% | 10.86 | 3.59 | 3.59 | 4.03 | 73.93 | 3.59 | 74.26% | 43.89% | 33.05% | 30.85% | -166.02% | 2.52% | 0.61 | — | 8.66 | 8.66 | 1.37 | 1469.00% | -277.00% | 1583.00% | 10.41% | 1.33 | -187.63% | 0.00% | 0.00% | 15.27% | 4.03 | 4.73 | 1.77 | 0.55 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
| WSFS | WSFS Financial Corporatio… | $63.51 | 3.47B | -25% | -15% | -7% | -56% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
About Community Bank System, Inc.
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
- CEO
- Dimitar A. Karaivanov
- Employees
- 2.73K
- Beta
- 0.81
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($41.10 ÷ $63.62) − 1 = -35.4% (DCF, example).