Tickerover
Financial Services

CBU Stock Analysis

Community Financial System, Inc. · current price $63.18 (+0.22% today)

Mixed signals — neither side has the edge here. The thesis lacks a clear edge from current data.
★★★
Average
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The six-pillar scorecard

Momentum
45
Losing steam
price trend
Growth
25
Barely growing
sales & profit growth
Quality
45
Some weak spots
profitability & balance sheet
Valuation
55
Fairly priced
is the price fair?
Sentiment
40
Mixed views
analyst & crowd mood
Risk
80
Low risk
volatility & drawdown

Each pillar is scored 0-100 inside the stock’s own peer group, so a chipmaker is measured against chipmakers. These are quality descriptors, not buy or sell signals.

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The picture

What drove the scoreThe seven components contributing most, each read out of 100.
FundamentalsFundamentals: 6464Analyst consensusAnalyst consensus: 5050Relative strengthRelative strength: 6565News sentimentNews sentiment: 9595Earnings qualityEarnings quality: 5353GrowthGrowth: 6060Near 52w highNear 52w high: 6060
Margin profileWhat survives each step down the income statement.
OperatingOperating: 39.2%39.2%NetNet: 27.2%27.2%Free cash flowFree cash flow: 29.4%29.4%
EPS surpriseReported EPS against estimate, last four quarters.
2026-06: -6.8% vs estimate-7%2026-062026-03: -15.0% vs estimate-15%2026-032025-12: -5.3% vs estimate-5%2025-122025-09: +24.0% vs estimate+24%2025-09
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Hype Check

Reading CBU’s price and volume history…

The audit — what has to hold for this thesis

Checking the areas that decide this thesis…

AI-generated from the company’s own filings and recent coverage, and it can be incomplete or wrong. A PASS is a reading of the cited evidence, not a verified fact and not a reason to buy. Follow each citation to the source.

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Dilution Check

Reading CBU’s filings…

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Latest earnings

LAST EARNINGS Community Financial System, Inc. (CBU)

Latest earnings

EPS
$1.05 vs $1.05 est · +0.2% vs estimate BEAT
Revenue
$223.6M · +8.0% YoY
Stock reaction (1M)
-3.0%
Beat streak
1 of last 4 quarters
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Valuation

P/E
14.7×
Forward P/E
12.2×
PEG
2.62
Price / Sales
4.0×
Price / Book
1.6×
Analyst target
$70.17
Target range
$68.00 – $75.00
Implied upside
+11.1%
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Financial health

Operating margin
39.2%
Net margin
27.2%
FCF margin
29.4%
Return on equity
11.5%
Revenue growth YoY
+12.0%
EPS growth YoY
+19.8%
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Technicals

$53.4652-week range$71.11
RSI (14)
40
50-day MA
$65.83
200-day MA
$62.27
ATR (14)
0.98
Beta
0.79
1-month return
-3.0%
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Earnings

QuarterEPSEst.SurpriseResult
2025-09-30$1.05$1.05+0.2%Beat
2025-12-31$1.07$1.13-5.3%Miss
2026-03-31$1.09$1.09-0.1%Miss
2026-06-30$1.10$1.18-6.8%Miss
Beat 1 of the last 4 quarters.
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Ownership & risk

Short % of float
0.05%
Dividend yield
3.01%
Beta
0.79
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Latest news on CBU

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Frequently asked

What is CBU's Quant Score?

Community Financial System, Inc. (CBU) currently has a TickerMover Quant Score of 58/100, rated ★★★ Average. The Quant Score is a quantitative composite across six research pillars — momentum, quality, growth, valuation, sentiment and risk. It is research information, not investment advice.

Is Community Financial System, Inc. (CBU) a buy?

TickerMover does not give buy or sell recommendations. CBU scores 58/100 (★★★ Average) on our quantitative research model — a screening signal, not a personal recommendation. Do your own research, and consider an FCA-authorised adviser before investing.

How often is CBU's score updated?

CBU's Quant Score and underlying data refresh through US market hours (about every five minutes), using public market and fundamental data.

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