AlphaStocks
5.5
Consider Buy

Community Financial System, Inc. (CBU)

As of Sep 20, 2026, Community Financial System, Inc. (CBU) scores 5.5/10 on AlphaStocks' five-model composite, #158 of 265 Financials stocks. At $62, CBU trades 37% above its model fair value of $45.

Financials / Regional Banks

S&P SmallCap 600

$61.94

Middle of the pack. No strong signal either way.

Consider Buy

Score based on 4 of 5 models — moderate confidence

Data as of Sep 20, 2026

#158out of 265 in Financials

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

COMMUNITY FINANCIAL SYSTEM, INC. (CBU) scores 5.5 out of 10 on AlphaStocks' composite model, earning a Consider Buy rating. The Piotroski model rates COMMUNITY FINANCIAL SYSTEM, INC. as Strong (7/8). The Graham model is the least favorable, rating it Neutral. COMMUNITY FINANCIAL SYSTEM, INC. currently trades 37% above its estimated fair value of $45. COMMUNITY FINANCIAL SYSTEM, INC. ranks #158 out of 265 stocks in the Financials sector.

This summary is algorithmically generated and is not financial advice.

Key Metrics

P/E15.6ROE10.7Market Cap3BDiv Yield2.8

Estimated Fair Value

$45.2337% 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

7/8

Buffett

Attractive

Business quality & competitive moat

Graham

Neutral

40% above fair value

Lynch

Limited Data

PEG 2.4

Greenblatt

Limited Data

Earnings yield + return on capital

Frequently Asked Questions

Is COMMUNITY FINANCIAL SYSTEM, INC. (CBU) a good investment?
As of Sep 20, 2026, Community Financial System, Inc. (CBU) scores 5.5/10 on AlphaStocks' five-model composite, #158 of 265 Financials stocks. At $62, CBU trades 37% above its model fair value of $45. That is a middle-of-the-pack score with no strong signal either way.
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 7/8. 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 37% 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 #158 out of 265 stocks in the Financials sector, placing it in the top 60% 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: Neutral. These models are combined into a single composite score of 5.5/10.

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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