Community Financial SystemCBU +3.13%64 Net Margin % is 26.79% as of Mar. 2026, which is 3% below its 10-year median of 27.65. 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 1,527 Banks companies, Community Financial System ranks worse than 52.65% on this metric.
The historical rank and industry rank for Community Financial System's Net Margin % or its related term are showing as below:
CBU'
s Net Margin % Range Over the Past 10 Years
Min: 20.24 Med: 27.65 Max: 30.56
Current: 26.09
CBU's Net Margin % is ranked worse than 52.65% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CBU: 26.09
Community Financial System (NYSE:CBU) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Community Financial System Net Margin % Related Terms
Community Financial System Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's Net Margin % distribution charts can be found below:
* The bar in red indicates where Community Financial System's Net 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 Net Margin % of 26.79% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Community Financial System and its competitors. This is near median its historical median of 27.65. Over the past decade, Community Financial System's Net Margin % has ranged from 20.24 to 30.56. According to the industry distribution chart, Community Financial System ranks #804 out of 1527 companies in the Banks industry, placing it in the top 52.7%.
Is Community Financial System's Net Margin % too high?
Community Financial System's current Net Margin % of 26.79% is near median its 10-year median of 27.65. Over the past 10 years, this metric has ranged from a low of 20.24 to a high of 30.56. The Banks industry median Net Margin % is 26.95. Community Financial System's value of 26.79% is 0.6% below this industry median. Based on the distribution chart, Community Financial System ranks #804 out of 1527 companies in the Banks industry, which is below 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 Net Margin % compare to WSBC and BKU?
According to the Banks industry distribution chart, Community Financial System ranks #804 out of 1527 companies for Net Margin %. This places Community Financial System in the lower half of its industry. The industry median Net Margin % is 26.95. Community Financial System's value of 26.79% is 0.6% below this benchmark. Historically, Community Financial System's own Net Margin % has ranged from 20.24 to 30.56 over the past decade. While the company's 10-year median is 27.65 vs. the industry median of 26.95, Community Financial System has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current Net Margin % of 26.79% is 0.6% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Community Financial System and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current Net Margin % is 26.79%, which is near median its own 10-year median of 27.65. 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 Net Margin % is 26.79%, which is near median its 10-year median of 27.65 and 0.6% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Community Financial System (CBU), the current Net Margin % is 26.79% 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:
Net Margin %: 26.79% (near median its 10-year median of 27.65)
GF Value™: $64.60 vs. price of $66.60 (3.1% above fair value)
Industry Position: 0.6% below the Banks median (#804 of 1527)
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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