CBU (Community Financial System) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 24, 2026)


CBU Community Financial System Inc CBU
64 GF Score
Price $66.60
GF Value $64.60
Valuation Fairly Valued
! 4 Warning Signs
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What is Community Financial System Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Community Financial System's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

CBU vs WSBC, BKU, FHB: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Community Financial System's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Community Financial System's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Community Financial System's Margin of Safety % (DCF FCF Based) falls into.


CBU
64GF Score
Community Financial System Inc CBU
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $64.60 vs. price of $66.60 (3.1% 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

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$66.60
Price
$64.60
GF Value