AlphaStocks
5.8
Consider Buy

COMMUNITY FINANCIAL SYSTEM, INC. (CBU)

Financials / Regional Banks

S&P SmallCap 600

$59.60

Middle of the pack. No strong signal either way.

Consider Buy

Score based on 4 of 5 models — moderate confidence

#64out of 97 in Financials

Is COMMUNITY FINANCIAL SYSTEM, INC. a Good Investment in 2026?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU) scores 5.8 out of 10 on AlphaStocks' composite model, earning a Consider Buy rating. The Piotroski model rates COMMUNITY FINANCIAL SYSTEM, INC. as Strong (7/9). The Graham model is the least favorable, rating it Attractive. COMMUNITY FINANCIAL SYSTEM, INC. currently trades above its estimated fair value of $45, suggesting limited upside at current prices. COMMUNITY FINANCIAL SYSTEM, INC. ranks #64 out of 97 stocks in the Financials sector.

This summary is algorithmically generated and is not financial advice.

Key Metrics

P/E15.0ROE10.7Market Cap3BDiv Yield3.2

Estimated Fair Value

$45.2332% above

Trading above estimated fair value — the market may be pricing in future growth.

Model-based estimate, not a price target.

5-Model Analysis

Each model evaluates this stock from a different angle. Combined, they form the composite score above.

Piotroski

Strong

7/9

Buffett

Attractive

Business quality & competitive moat

Graham

Attractive

20% above fair value

Lynch

Limited Data

PEG 2.1

Greenblatt

Limited Data

Earnings yield + return on capital

Frequently Asked Questions

Is COMMUNITY FINANCIAL SYSTEM, INC. (CBU) a good investment?
Based on AlphaStocks' composite analysis, COMMUNITY FINANCIAL SYSTEM, INC. (CBU) scores 5.8 out of 10, earning a Consider Buy rating. This is a middle-of-the-pack score with no strong signal either way. Trading above estimated fair value — the market may be pricing in future growth.
What is COMMUNITY FINANCIAL SYSTEM, INC.'s Piotroski F-Score?
COMMUNITY FINANCIAL SYSTEM, INC.'s Piotroski F-Score status is Strong. The raw score is 7/9. The Piotroski F-Score evaluates financial health using 9 fundamental signals including profitability, leverage, and operating efficiency.
Is CBU overvalued or undervalued?
Based on AlphaStocks' model-based fair value estimate of $45, CBU appears overvalued. The stock currently trades 32% above its estimated fair value. Trading above estimated fair value — the market may be pricing in future growth.
How does CBU compare to other Financials stocks?
COMMUNITY FINANCIAL SYSTEM, INC. ranks #64 out of 97 stocks in the Financials sector, placing it in the top 66% of its sector by composite score. There are higher-ranked alternatives in this sector worth exploring.
What do investment models say about CBU?
AlphaStocks evaluates CBU using five proven investment models. Piotroski: Strong; Buffett: Attractive; Graham: Attractive. These models are combined into a single composite score of 5.8/10.

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Scores are algorithm-generated research tools, not investment recommendations. Past performance does not guarantee future results. Always do your own due diligence. Full disclaimer