Community Financial System's quarterly market cap
declined
from Sep. 2025 ($3,088.1 Mil) to Dec. 2025 ($3,026.1 Mil) but then
increased
from Dec. 2025 ($3,026.1 Mil) to Mar. 2026 ($3,081.3 Mil).
Community Financial System's annual market cap
increased
from Dec. 2023 ($2,778.9 Mil) to Dec. 2024 ($3,248.6 Mil) but then
declined
from Dec. 2024 ($3,248.6 Mil) to Dec. 2025 ($3,026.1 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Community Financial System's Enterprise Value for Today is $3,389.1 Mil.
Community Financial System (NYSE:CBU) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Community Financial System Market Cap Related Terms
Community Financial System Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's Market Cap distribution charts can be found below:
* The bar in red indicates where Community Financial System's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
* 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 Market Cap of $3,500.2 Mil as of Jun. 24, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Community Financial System and its competitors. According to the industry distribution chart, Community Financial System ranks #385 out of 1544 companies in the Banks industry, placing it in the top 24.9%.
Is Community Financial System's Market Cap too high?
Community Financial System's current Market Cap is $3,500.2 Mil. The Banks industry median Market Cap is 708.25. Community Financial System's value of $3,500.2 Mil is 394.2% above this industry median. Based on the distribution chart, Community Financial System ranks #385 out of 1544 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Market Cap compare to WSBC and BKU?
According to the Banks industry distribution chart, Community Financial System ranks #385 out of 1544 companies for Market Cap. This places Community Financial System in the top 25% of its industry — outperforming the majority of peers. The industry median Market Cap is 708.25. Community Financial System's value of $3,500.2 Mil is 394.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 708.25, based on 1,544 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current Market Cap of $3,500.2 Mil is 394.2% 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Community Financial System and its competitors. For the Banks industry, the median Market Cap is 708.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current Market Cap is $3,500.2 Mil. 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 Market Cap is $3,500.2 Mil and 394.2% above the Banks industry median of 708.25. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Community Financial System (CBU), the current Market Cap is $3,500.2 Mil as of Jun. 24, 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:
Market Cap: $3,500.2 Mil
GF Value™: $64.60 vs. price of $66.60 (3.1% above fair value)
Industry Position: 394.2% above the Banks median (#385 of 1544)
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
Get the complete analysis for CBU
Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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