Filing Flows › Community Financial System (CBU) › Stock forecast & fair value
Community Financial System (CBU) stock forecast and fair value
Community Financial System (CBU) trades at $58.63. 6 analysts' median price target is $68.50 (+17%), from $65.00 to $75.00. Across 15 valuation methods the middle fair value is $51.69 (-12%).
Fair value by method
| Method | Low | Point | High | vs price |
|---|---|---|---|---|
| P/E vs peers | $47.10 | $51.69 | $60.33 | -12% |
| P/E vs peers, weighted | $51.22 | $57.23 | $60.87 | -2% |
| P/E vs peers, matched | $45.90 | $48.32 | $55.24 | -18% |
| Residual income | $40.57 | $42.08 | $43.69 | -28% |
| P/TBV vs ROTCE (bank peers) | $39.07 | $48.09 | $57.10 | -18% |
| Analysts' price targets | $65.00 | $69.00 | $75.00 | +18% |
| Shareholder yield (dividends + buybacks) | $27.79 | $32.01 | $37.72 | -45% |
| Justified P/TBV (Gordon growth) | $56.30 | $67.34 | $83.78 | +15% |
| Dividend discount (Gordon) | $31.53 | $37.71 | $46.92 | -36% |
| Stage-weighted value (financial (bank / insurer)) | $42.47 | $48.90 | $57.20 | -17% |
Community Financial System's latest quarter
Community Financial System, Q3 2026: revenue $227M (+10% year over year), operating margin 35.5%, net earnings $61.3M, operating cash flow $110M. The chart follows the revenue to costs, profit and cash.
Questions
What is the price target for CBU stock?
The median of 6 analysts' 12-month targets is $68.50, +17% from $58.63; the range is $65.00 to $75.00. The average rating is hold.
What is Community Financial System's fair value?
The fair-value methods on Filing Flows (DCF, Monte Carlo, peer multiples and others) put it between $32.01 and $103.66, with a middle value of $51.69 against a price of $58.63. Each method's assumptions are on the page.
Does Community Financial System usually beat earnings estimates?
It beat the consensus EPS estimate in 40% of the quarters on record.
Is CBU stock a buy?
Filing Flows does not give advice. It shows what analysts expect, what each valuation method implies and the figures behind them, read from SEC filings, so you can judge for yourself.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.