Community Financial System has the GF Score of 63, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Community Financial System
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Community Financial System (FRA:CBY) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Community Financial System GF Score Related Terms
FRA:CBY vs FFBC, MCHB, BKU: GF Score Comparison
For the Banks - Regional subindustry, Community Financial System's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's GF Score distribution charts can be found below:
* The bar in red indicates where Community Financial System's GF Score falls into.
Community Financial System (FRA:CBY) has a GF Score of 63 as of Jul. 06, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Community Financial System and its competitors. This is 13% below median its historical median of 72.00. Over the past decade, Community Financial System's GF Score has ranged from 18.00 to 86.00.
Is Community Financial System's GF Score too high?
Community Financial System's current GF Score of 63 is 13% below median its 10-year median of 72.00. Over the past 10 years, this metric has ranged from a low of 18.00 to a high of 86.00. Overall, Community Financial System has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's GF Score compare to FFBC and MCHB?
Community Financial System's GF Score of 63 can be compared against companies in the Banks industry. Historically, Community Financial System's own GF Score has ranged from 18.00 to 86.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Community Financial System and its competitors. Community Financial System's current GF Score is 63, which is 13% below median its own 10-year median of 72.00. 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 €56.04, compared to a current price of €58.50 — trading 4.4% above its estimated fair value. The current GF Score is 63, which is 13% below median its 10-year median of 72.00. Community Financial System's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Community Financial System (FRA:CBY), the current GF Score is 63 as of Jul. 06, 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 €58.50 is trading 4.4% above its estimated GF Value™ of €56.04.
GuruFocus considers Community Financial System to be Fairly Valued.
Key valuation signals for FRA:CBY:
GF Score: 63 (13% below median its 10-year median of 72.00)
GF Value™: €56.04 vs. price of €58.50 (4.4% above fair value)
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 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.
63GF Score
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