CBU | Ticker Profile - Titan Protect

CBU

Community Financial System, Inc.

Financial Services · Banks - Regional · NYQ

$63.59

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$3.4B

Total market value of the company

Trailing P/E

15.54

Reasonably valued

Forward P/E

11.90

Based on estimated future earnings — lower means cheaper

Rev Growth

+9.5%

Year-over-year revenue change

Profit Margin

26.8%

How much profit the company keeps from each dollar of revenue

ROE

11.3%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$67.50

+6% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 6 analysts covering this stock

About Community Financial System, Inc.

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

https://communityfinancialsystem.com/overview/default.aspx

Country: United States Employees: 2,853 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.893

Good returns relative to risk taken

Kelly Fraction

0.0703

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.894

Acceptable balance between returns and drawdown risk

Annual Return

24.8%

Historical annualised return based on price data

Max Drawdown

-27.7%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

267

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.80

Less volatile than the market — more defensive

52W High

$67.50

6% below the year high

52W Low

$51.12

24% above the year low

Avg Volume

238,485

Average daily shares traded — higher means easier to buy and sell

Short Ratio

9.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

5.3%

Moderate short interest

Div Yield

294.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$4.12

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

38.0%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$815M

Total revenue over the last 12 months

Net Income

$219M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$75.00

Target Median

$67.50

Target Low

$66.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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