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Community Financial SystemCBU +0.32%62 EV-to-OCF is 12.41 as of Aug. 05, 2026, which is 9% below its 10-year median of 13.68. GuruFocus rates CBU with a GF Score™ of 62/100 and a GF Value™ of $65.14 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, Community Financial System ranks worse than 75.65% on this metric.
The historical rank and industry rank for Community Financial System's EV-to-OCF or its related term are showing as below:
CBU'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.22 Med: 13.68 Max: 20.5
Current: 12.41
During the past 13 years, the highest EV-to-OCF of Community Financial System was 20.50. The lowest was 6.22. And the median was 13.68.
CBU's EV-to-OCF is ranked worse than 75.65% of 1499
companies
in the Banks industry
Industry Median: 4
vs CBU: 12.41
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Community Financial System (NYSE:CBU) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Community Financial System's PE Ratio (TTM) for today is calculated as:
Community Financial System's share price for today is $66.75.
Community Financial System's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.310.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Community Financial System EV-to-OCF Related Terms
Community Financial System EV-to-OCF Historical Data
* 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.
For the Banks - Regional subindustry, Community Financial System's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Community Financial System's EV-to-OCF falls into.
Community Financial System's current Enterprise Value is $3,859.3 Mil.
Community Financial System's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $310.9 Mil.
* 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 (CBU) has a EV-to-OCF of 12.41 as of Aug. 05, 2026. This is near median its historical median of 13.68. Over the past decade, Community Financial System's EV-to-OCF has ranged from 6.22 to 20.50. According to the industry distribution chart, Community Financial System ranks #1134 out of 1499 companies in the Banks industry, placing it in the top 75.7%.
Is Community Financial System's EV-to-OCF too high?
Community Financial System's current EV-to-OCF of 12.41 is near median its 10-year median of 13.68. Over the past 10 years, this metric has ranged from a low of 6.22 to a high of 20.50. The Banks industry median EV-to-OCF is 4.00. Community Financial System's value of 12.41 is 210.3% above this industry median. Based on the distribution chart, Community Financial System ranks #1134 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Community Financial System has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's EV-to-OCF compare to FFBC and NIC?
According to the Banks industry distribution chart, Community Financial System ranks #1134 out of 1499 companies for EV-to-OCF. This places Community Financial System in the lower half of its industry. The industry median EV-to-OCF is 4.00. Community Financial System's value of 12.41 is 210.3% above this benchmark. Historically, Community Financial System's own EV-to-OCF has ranged from 6.22 to 20.50 over the past decade. While the company's 10-year median is 13.68 vs. the industry median of 4.00, Community Financial System has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current EV-to-OCF of 12.41 is 210.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current EV-to-OCF is 12.41, which is near median its own 10-year median of 13.68. 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 (CBU) is currently considered Fairly Valued. The stock's GF Value™ is $65.14, compared to a current price of $66.75 — trading 2.5% above its estimated fair value. The current EV-to-OCF is 12.41, which is near median its 10-year median of 13.68 and 210.3% above the Banks industry median of 4.00. Community Financial System's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Community Financial System (CBU), the current EV-to-OCF is 12.41 as of Aug. 05, 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 (CBU) Overvalued in 2026?
Based on GuruFocus' analysis, Community Financial System stock appears to be overvalued.
The current stock price of $66.75 is trading 2.5% above its estimated GF Value™ of $65.14.
GuruFocus considers Community Financial System to be Fairly Valued.
Key valuation signals for CBU:
EV-to-OCF: 12.41 (near median its 10-year median of 13.68)
GF Value™: $65.14 vs. price of $66.75 (2.5% above fair value)
Industry Position: 210.3% above the Banks median (#1134 of 1499)
No single metric tells the full story. See the CBU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
62GF Score
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