Community Financial SystemCBU +2.88%64 Pretax Margin % is 34.93% as of Mar. 2026, which is 0% below its 10-year median of 34.96. 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 51.74% on this metric.
The historical rank and industry rank for Community Financial System's Pretax Margin % or its related term are showing as below:
CBU'
s Pretax Margin % Range Over the Past 10 Years
Min: 25.81 Med: 34.96 Max: 38.89
Current: 34.19
CBU's Pretax Margin % is ranked worse than 51.74% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs CBU: 34.19
Community Financial System (NYSE:CBU) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Community Financial System Pretax Margin % Related Terms
Community Financial System Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Community Financial System's Pretax 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 Pretax Margin % of 34.93% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Community Financial System and its competitors. This is near median its historical median of 34.96. Over the past decade, Community Financial System's Pretax Margin % has ranged from 25.81 to 38.89. According to the industry distribution chart, Community Financial System ranks #790 out of 1527 companies in the Banks industry, placing it in the top 51.7%.
Is Community Financial System's Pretax Margin % too high?
Community Financial System's current Pretax Margin % of 34.93% is near median its 10-year median of 34.96. Over the past 10 years, this metric has ranged from a low of 25.81 to a high of 38.89. The Banks industry median Pretax Margin % is 34.88. Community Financial System's value of 34.93% is 0.1% above this industry median. Based on the distribution chart, Community Financial System ranks #790 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 Pretax Margin % compare to WSBC and BKU?
According to the Banks industry distribution chart, Community Financial System ranks #790 out of 1527 companies for Pretax Margin %. This places Community Financial System in the lower half of its industry. The industry median Pretax Margin % is 34.88. Community Financial System's value of 34.93% is 0.1% above this benchmark. Historically, Community Financial System's own Pretax Margin % has ranged from 25.81 to 38.89 over the past decade. While the company's 10-year median is 34.96 vs. the industry median of 34.88, Community Financial System has consistently been above 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current Pretax Margin % of 34.93% is 0.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Community Financial System and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current Pretax Margin % is 34.93%, which is near median its own 10-year median of 34.96. 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 $66.44 — trading 2.8% above its estimated fair value. The current Pretax Margin % is 34.93%, which is near median its 10-year median of 34.96 and 0.1% above the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Community Financial System (CBU), the current Pretax Margin % is 34.93% 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 $66.44 is trading 2.8% above its estimated GF Value™ of $64.60.
GuruFocus considers Community Financial System to be Fairly Valued.
Key valuation signals for CBU:
Pretax Margin %: 34.93% (near median its 10-year median of 34.96)
GF Value™: $64.60 vs. price of $66.44 (2.8% above fair value)
Industry Position: 0.1% above the Banks median (#790 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
Get the complete analysis for CBU
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CBU has been successfully added to your 
