Community Financial System (FRA:CBY) Valuation Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:CBY Community Financial System Inc FRA:CBY
62 GF Score
Price €56.50
GF Value €56.63
! 5 Warning Signs
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What is Community Financial System Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

Community Financial System Valuation Rank Related Terms

FRA:CBY
62GF Score
Community Financial System Inc FRA:CBY
Valuation Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Community Financial System (FRA:CBY) Overvalued in 2026?

Based on GuruFocus' analysis, Community Financial System stock appears to be undervalued. The current stock price of €56.50 is trading 0.2% below its estimated GF Value™ of €56.63.

Key valuation signals for FRA:CBY:

  • Valuation Rank:
  • GF Value™: €56.63 vs. price of €56.50 (0.2% below fair value)
  • GF Score™: 62/100 with 5 warning signs

No single metric tells the full story. See the FRA:CBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Community Financial System Business Description

Other Exchanges CBU:USA
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.
62GF Score

Get the complete analysis for FRA:CBY

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

€56.50
Price
€56.63
GF Value