Community Bank System, Inc. (CBU) Stock Score, Valuation & Financial Research
Community Bank System, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for CBU
Community Bank System, Inc. currently has a Wall Street Score of 53/100. The stored market price is $63.32. Its financial score is 25/100. Its valuation score is 97/100. The latest WSS change is -0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Community Bank System, Inc. does
Community Bank System, Inc. (CBU) serves as the parent company for Community Bank, N.A., providing a broad array of banking and financial services to a diverse clientele including individual consumers, businesses, and local government entities. Its operations are structured into three primary divisions: Banking, Employee Benefit Services, and a residual "All Other" category. The company offers a comprehensive suite of deposit products, such as checking, savings, and money market accounts, alongside certificates of deposit. Its lending portfolio is equally varied, extending to consumer mortgages, personal installment loans, and lines of credit for individuals, as well as home equity products. For commercial clients, Community Bank System provides general purpose commercial and industrial loans, mortgages on commercial properties, and historically, Paycheck Protection Program loans. Additi
CBU financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $63.32
- Market capitalization:
- $3.33B
- Revenue:
- $1.05B
- Net income:
- $228.1M
- Free cash flow:
- $233.3M
- Cash:
- $258.2M
- Total debt:
- $764.0M
- EPS:
- 4.31
- P/E ratio:
- 14.7x
- Financial score:
- 25/100
- Valuation score:
- 97/100
- Revenue score:
- 35/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $233.3M, showing positive cash generation.
- The balance sheet shows $258.2M of cash versus $764.0M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.1 points: CBU decreased 0.1 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 25/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-14.
How to research CBU
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.