CBU (Community Financial System) EPS (Basic): $4.12 (TTM As of Mar. 2026)


CBU Community Financial System Inc CBU
64 GF Score
Price $66.47
GF Value $64.60
Valuation Fairly Valued
! 4 Warning Signs
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What is Community Financial System EPS (Basic)?

Community Financial System CBU +2.92% 64 EPS (Basic) is $4.12 as of Mar. 2026. GuruFocus rates CBU with a GF Score™ of 64/100 and a GF Value™ of $64.60 (Fairly Valued). The stock has 4 warning signs investors should review.

Community Financial System's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $1.08. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $4.12.

Community Financial System's EPS (Diluted) for the three months ended in Mar. 2026 was $1.08. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $4.12.

Community Financial System's EPS without NRI for the three months ended in Mar. 2026 was $1.15. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 4.40.

During the past 12 months, Community Financial System's average EPS without NRIGrowth Rate was 15.50% per year. During the past 3 years, the average EPS without NRI Growth Rate was 2.60% per year. During the past 5 years, the average EPS without NRI Growth Rate was 2.50% per year. During the past 10 years, the average EPS without NRI Growth Rate was 5.10% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, Community Financial System's highest 3-Year average EPS without NRI Growth Rate was 64.00% per year. The lowest was -23.20% per year. And the median was 4.70% per year.

Community Financial System  (NYSE:CBU) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Community Financial System EPS (Basic) Related Terms

Community Financial System EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Community Financial System's EPS (Basic) 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 EPS (Basic) Chart

Community Financial System Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.51 3.48 2.45 3.44 3.98

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
EPS (Basic) 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 0.94 0.97 1.04 1.03 1.08
CBU
64GF Score
Community Financial System Inc CBU
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Financial System EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Community Financial System's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(210.455-0)/52.700
=3.99

Community Financial System's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(57.218-0)/52.655
=1.09

EPS (Basic) 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 $4.12

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $4.12 mean?
Community Financial System (CBU) has a EPS (Basic) of $4.12 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Community Financial System and its competitors.
Is Community Financial System's EPS (Basic) too high?
Community Financial System's current EPS (Basic) is $4.12. Overall, Community Financial System has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's EPS (Basic) compare to WSBC and BKU?
Community Financial System's EPS (Basic) of $4.12 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 EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Community Financial System and its competitors. Community Financial System's current EPS (Basic) is $4.12. 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 $64.60, compared to a current price of $66.47 — trading 2.9% above its estimated fair value. The current EPS (Basic) is $4.12. Community Financial System's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Community Financial System (CBU), the current EPS (Basic) is $4.12 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 (CBU) Overvalued in 2026?

Based on GuruFocus' analysis, Community Financial System stock appears to be overvalued. The current stock price of $66.47 is trading 2.9% above its estimated GF Value™ of $64.60. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

  • EPS (Basic): $4.12
  • GF Value™: $64.60 vs. price of $66.47 (2.9% above fair value)
  • GF Score™: 64/100 with 4 warning signs

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 Business Description

Other Exchanges CBY:Germany
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.
64GF Score

Get the complete analysis for CBU

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$66.47
Price
$64.60
GF Value