Community Financial System (FRA:CBY) Cyclically Adjusted Revenue per Share: €12.31 (As of Mar. 2026)

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FRA:CBY Community Financial System Inc FRA:CBY
67 GF Score
Price €59.00
GF Value €56.46
Valuation Fairly Valued
! 5 Warning Signs
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What is Community Financial System Cyclically Adjusted Revenue per Share?

Community Financial System FRA:CBY +5.36% 67 Cyclically Adjusted Revenue per Share is €12.31 as of Mar. 2026. GuruFocus rates FRA:CBY with a GF Score™ of 67/100 and a GF Value™ of €56.46 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Community Financial System's adjusted revenue per share for the three months ended in Mar. 2026 was €3.501. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €12.31 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Community Financial System's average Cyclically Adjusted Revenue Growth Rate was 5.70% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 3.90% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 5.40% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 5.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Community Financial System was 7.60% per year. The lowest was 0.00% per year. And the median was 4.50% per year.

As of today (2026-07-15), Community Financial System's current stock price is €59.00. Community Financial System's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €12.31. Community Financial System's Cyclically Adjusted PS Ratio of today is 4.79.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Community Financial System was 7.78. The lowest was 3.04. And the median was 5.61.


Community Financial System  (FRA:CBY) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Community Financial System's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=59.00/12.31
=4.79

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Community Financial System was 7.78. The lowest was 3.04. And the median was 5.61.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Community Financial System Cyclically Adjusted Revenue per Share Related Terms


Community Financial System Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Community Financial System's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Community Financial System Cyclically Adjusted Revenue per Share Chart

Community Financial System Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.19 11.65 11.58 12.06 12.10

Community Financial System Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 12.25 11.73 11.80 12.10 12.31

FRA:CBY vs FFBC, MCHB, BKU: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Community Financial System's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Community Financial System Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Community Financial System's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Community Financial System's Cyclically Adjusted PS Ratio falls into.


FRA:CBY
67GF Score
Community Financial System Inc FRA:CBY
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Community Financial System Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Community Financial System's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.501/330.2130*330.2130
=3.501

Current CPI (Mar. 2026) = 330.2130.

Community Financial System Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 2.147 241.018 2.942
201609 2.167 241.428 2.964
201612 2.304 241.432 3.151
201703 2.269 243.801 3.073
201706 2.340 244.955 3.154
201709 2.247 246.819 3.006
201712 2.300 246.524 3.081
201803 2.238 249.554 2.961
201806 2.373 251.989 3.110
201809 2.352 252.439 3.077
201812 2.398 251.233 3.152
201903 2.423 254.202 3.148
201906 2.527 256.143 3.258
201909 2.579 256.759 3.317
201912 2.594 256.974 3.333
202003 2.565 258.115 3.281
202006 2.436 257.797 3.120
202009 2.401 260.280 3.046
202012 2.285 260.474 2.897
202103 2.360 264.877 2.942
202106 2.310 271.696 2.808
202109 2.451 274.310 2.951
202112 2.596 278.802 3.075
202203 2.674 287.504 3.071
202206 2.918 296.311 3.252
202209 3.277 296.808 3.646
202212 3.070 296.797 3.416
202303 2.148 301.836 2.350
202306 3.007 305.109 3.254
202309 3.065 307.789 3.288
202312 3.034 306.746 3.266
202403 3.059 312.332 3.234
202406 3.237 314.175 3.402
202409 3.232 315.301 3.385
202412 3.550 315.605 3.714
202503 3.430 319.799 3.542
202506 3.268 322.561 3.346
202509 3.341 324.800 3.397
202512 3.494 324.054 3.560
202603 3.501 330.213 3.501

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €12.31 mean?
Community Financial System (FRA:CBY) has a Cyclically Adjusted Revenue per Share of €12.31 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Community Financial System and its competitors.
Is Community Financial System's Cyclically Adjusted Revenue per Share too high?
Community Financial System's current Cyclically Adjusted Revenue per Share is €12.31. Overall, Community Financial System has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's Cyclically Adjusted Revenue per Share compare to FFBC and MCHB?
Community Financial System's Cyclically Adjusted Revenue per Share of €12.31 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Community Financial System and its competitors. Community Financial System's current Cyclically Adjusted Revenue per Share is €12.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Financial System stock overvalued right now?
Based on GuruFocus' analysis, Community Financial System (FRA:CBY) is currently considered Fairly Valued. The stock's GF Value™ is €56.46, compared to a current price of €59.00 — trading 4.5% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is €12.31. Community Financial System's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Community Financial System (FRA:CBY), the current Cyclically Adjusted Revenue per Share is €12.31 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Community Financial System (FRA:CBY) Overvalued in 2026?

Based on GuruFocus' analysis, Community Financial System stock appears to be overvalued. The current stock price of €59.00 is trading 4.5% above its estimated GF Value™ of €56.46. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for FRA:CBY:

  • Cyclically Adjusted Revenue per Share: €12.31
  • GF Value™: €56.46 vs. price of €59.00 (4.5% above fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the FRA:CBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Community Financial System Business Description

Other Exchanges CBU:USA
Address 333 Butternut Drive, Syracuse, NY, USA, 13214-2141
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.
67GF Score

Get the complete analysis for FRA:CBY

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€59.00
Price
€56.46
GF Value