CBU (Community Financial System) ROCE %: % (As of Mar. 2026)

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.

CBU Community Financial System Inc CBU
62 GF Score
Price $64.85
GF Value $65.38
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Community Financial System ROCE %?

Community Financial System CBU -0.72% 62 ROCE % is % as of Mar. 2026. GuruFocus rates CBU with a GF Score™ of 62/100 and a GF Value™ of $65.38 (Fairly Valued). The stock has 5 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

CBU
62GF Score
Community Financial System Inc CBU
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Community Financial System (CBU) has a ROCE % of % as of Mar. 2026.
Is Community Financial System's ROCE % too high?
Community Financial System's current ROCE % is %. Overall, Community Financial System has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's ROCE % compare to FFBC and NIC?
Community Financial System's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 2.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 2.81, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current ROCE % is %. 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 $65.38, compared to a current price of $64.85 — trading 0.8% below its estimated fair value. The current ROCE % is %. Community Financial System's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Community Financial System (CBU), the current ROCE % is % 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 undervalued. The current stock price of $64.85 is trading 0.8% below its estimated GF Value™ of $65.38. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

  • ROCE %: %
  • GF Value™: $65.38 vs. price of $64.85 (0.8% below fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for CBU

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

$64.85
Price
$65.38
GF Value