Community Financial SystemCBU +3.13%64 FCF Margin % is 28.23% as of Mar. 2026, which is 6% below its 10-year median of 30.09. 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. Among 1,505 Banks companies, Community Financial System ranks better than 54.68% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Community Financial System's FCF Margin % falls into.
* 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 FCF Margin % of 28.23% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Financial System and its competitors. This is near median its historical median of 30.09. Over the past decade, Community Financial System's FCF Margin % has ranged from 27.62 to 36.66. According to the industry distribution chart, Community Financial System ranks #682 out of 1505 companies in the Banks industry, placing it in the top 45.3%.
Is Community Financial System's FCF Margin % too high?
Community Financial System's current FCF Margin % of 28.23% is near median its 10-year median of 30.09. Over the past 10 years, this metric has ranged from a low of 27.62 to a high of 36.66. The Banks industry median FCF Margin % is 26.42. Community Financial System's value of 28.23% is 6.9% above this industry median. Based on the distribution chart, Community Financial System ranks #682 out of 1505 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to WSBC and BKU?
According to the Banks industry distribution chart, Community Financial System ranks #682 out of 1505 companies for FCF Margin %. This puts Community Financial System in the upper half of its industry. The industry median FCF Margin % is 26.42. Community Financial System's value of 28.23% is 6.9% above this benchmark. Historically, Community Financial System's own FCF Margin % has ranged from 27.62 to 36.66 over the past decade. While the company's 10-year median is 30.09 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current FCF Margin % of 28.23% is 6.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Community Financial System and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current FCF Margin % is 28.23%, which is near median its own 10-year median of 30.09. 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 $66.60 — trading 3.1% above its estimated fair value. The current FCF Margin % is 28.23%, which is near median its 10-year median of 30.09 and 6.9% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Community Financial System (CBU), the current FCF Margin % is 28.23% 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 $66.60 is trading 3.1% above its estimated GF Value™ of $64.60.
GuruFocus considers Community Financial System to be Fairly Valued.
Key valuation signals for CBU:
FCF Margin %: 28.23% (near median its 10-year median of 30.09)
GF Value™: $64.60 vs. price of $66.60 (3.1% above fair value)
Industry Position: 6.9% above the Banks median (#682 of 1505)
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.
64GF Score
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