CBU (Community Financial System) Moat Score: 3/10 (As of Jun. 28, 2026)


CBU Community Financial System Inc CBU
63 GF Score
Price $67.47
GF Value $64.64
Valuation Fairly Valued
! 5 Warning Signs
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What is Community Financial System Moat Score?

Community Financial System CBU -0.38% 63 Moat Score is 3 as of Jun. 28, 2026. GuruFocus rates CBU with a GF Score™ of 63/100 and a GF Value™ of $64.64 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,614 Banks companies, Community Financial System ranks better than 74.54% on this metric.

Community Financial System has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Community Financial System has No Moat: Community Financial System Inc has limited market share and lacks significant competitive advantages. The company does not benefit from network effects, strong brand loyalty, or substantial regulatory barriers. It operates in a competitive financial services market with low switching costs and no significant cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Community Financial System might have No Moat - Very weak/transient advantages.

Community Financial System  (NYSE:CBU) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Community Financial System Moat Score Related Terms

CBU vs WSBC, BKU, FHB: Moat Score Comparison

For the Banks - Regional subindustry, Community Financial System's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Community Financial System's Moat Score distribution charts can be found below:

* The bar in red indicates where Community Financial System's Moat Score falls into.


CBU
63GF Score
Community Financial System Inc CBU
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Community Financial System (CBU) has a Moat Score of 3 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Community Financial System ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Community Financial System's Moat Score too high?
Community Financial System's current Moat Score is 3. Based on the distribution chart, Community Financial System ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to WSBC and BKU?
According to the Banks industry distribution chart, Community Financial System ranks #411 out of 1614 companies for Moat Score. This puts Community Financial System in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Community Financial System's current Moat Score is 3. 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 $64.64, compared to a current price of $67.47 — trading 4.4% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Community Financial System (CBU), the current Moat Score is 3 as of Jun. 28, 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 $67.47 is trading 4.4% above its estimated GF Value™ of $64.64. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

  • Moat Score: 3
  • GF Value™: $64.64 vs. price of $67.47 (4.4% above fair value)
  • GF Score™: 63/100 with 5 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.
63GF Score

Get the complete analysis for CBU

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.47
Price
$64.64
GF Value