Nama's AI scorecard currently rates Community Financial System Buy (5.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is CBU's P/E ratio?

Community Financial System trades at a trailing price-to-earnings ratio of 14.6.

When does CBU report earnings?

Community Financial System's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $1.20.

What is the CBU price target?

The median analyst price target from 6 analysts is $68.50, with a range of $65.00 – $75.00.

Is CBU Shariah compliant?

Nama's AAOIFI-style screen reads Community Financial System as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does CBU pay a dividend?

Yes — Community Financial System's dividend yield is 2.9%.

Nama Insights

Community Financial System (CBU)

Financial Services · Banks Regional · NYSE

Community Financial System (CBU) is a Financial Services company in the Banks Regional industry. It has a market capitalization of $3.39B and a trailing price-to-earnings ratio of 14.6. Over the most recent reported fiscal year, revenue grew 9.7%. Nama's AI scorecard rates it Buy, 5.9 out of 10. On 12-month momentum it ranks in the middle band of its market.

AI scorecard

Buy · 5.9/10

Positive, at the low end of Buy. As of Nov 7, 2026.

Momentum

Middle · +5.2% over 12 months ex. last

Middle fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-17.0%

How far the last close sits under the highest price of the past five years.

Market cap	$3.39B
Trailing P/E	14.6
Price / book	1.6
Price / sales	4.0
FCF yield	—
Dividend yield	2.9%
Gross margin	0.0%
Operating margin	—
Net margin	27.3%
Revenue growth (YoY)	+9.7%
Revenue growth (3-yr annual)	+6.4%
EPS growth (YoY)	+17.8%
FCF/share growth (YoY)	—
Beta	0.8
Exchange	NYSE
Sector	Financial Services
Industry	Banks Regional

CBU earnings

Next report: Jan 26, 2027 (Q4 2026, EPS estimate $1.20). Beat the EPS estimate in 1 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 27, 2026	$1.20	$1.19	+0.8%	—
Q2 2026	Jul 28, 2026	$1.10	$1.18	-6.8%	$223.62M
Q1 2026	Apr 29, 2026	$1.08	$1.09	-0.9%	$213.61M
Q4 2025	Jan 27, 2026	$1.07	$1.13	-5.3%	$215.74M

CBU analyst price target

Median target $68.50 from 6 analysts, ranging $65.00 – $75.00.

Banks Regional peers

Ticker	Company	Market cap	P/E
HDB	HDFC Bank	$129.32B	15.9
IBN	ICICI Bank	$121.68B	21.2
MFG	Mizuho Financial Group	$113.48B	13.1
USB	U.S. Bancorp	$92.63B	11.6
PNC	PNC Financial Services Group	$89.43B	12.0
ITUB	Itaú Unibanco	$81.45B	8.6
LYG	Lloyds Banking Group	$72.69B	9.8
DB	Deutsche Bank Aktiengesellschaft	$64.60B	10.5

Explore live CBU data on Nama Insights →

Recent Congressional trades

Community Financial System trades disclosed by members of the US House and Senate under the STOCK Act. See the full Congress trades board →

Member	Chamber	Trade	Amount	Disclosed
Lisa McClain	House	Sell	$1,001 - $15,000	Aug 13, 2025
Lisa McClain	House	Buy	$1,001 - $15,000	Aug 13, 2025

CBU FAQ

Is CBU a buy?: Nama's AI scorecard currently rates Community Financial System Buy (5.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is CBU's P/E ratio?: Community Financial System trades at a trailing price-to-earnings ratio of 14.6.
When does CBU report earnings?: Community Financial System's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $1.20.
What is the CBU price target?: The median analyst price target from 6 analysts is $68.50, with a range of $65.00 – $75.00.
Is CBU Shariah compliant?: Nama's AAOIFI-style screen reads Community Financial System as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does CBU pay a dividend?: Yes — Community Financial System's dividend yield is 2.9%.