Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Community Financial System's 3-Year RORE % for the quarter that ended in Mar. 2026 was 17.34%.
The industry rank for Community Financial System's 3-Year RORE % or its related term are showing as below:
CBU's 3-Year RORE % is ranked better than 65.83% of 1472
companies
in the Banks industry
Industry Median: 9.93
vs CBU: 17.34
Community Financial System (NYSE:CBU) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Community Financial System 3-Year RORE % Related Terms
Community Financial System 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Community Financial System's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Community Financial System (CBU) has a 3-Year RORE % of 17.34 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Community Financial System and its competitors. According to the industry distribution chart, Community Financial System ranks #503 out of 1472 companies in the Banks industry, placing it in the top 34.2%.
Is Community Financial System's 3-Year RORE % too high?
Community Financial System's current 3-Year RORE % is 17.34. The Banks industry median 3-Year RORE % is 9.93. Community Financial System's value of 17.34 is 74.6% above this industry median. Based on the distribution chart, Community Financial System ranks #503 out of 1472 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 3-Year RORE % compare to FFBC and MCHB?
According to the Banks industry distribution chart, Community Financial System ranks #503 out of 1472 companies for 3-Year RORE %. This puts Community Financial System in the upper half of its industry. The industry median 3-Year RORE % is 9.93. Community Financial System's value of 17.34 is 74.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current 3-Year RORE % of 17.34 is 74.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Community Financial System and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current 3-Year RORE % is 17.34. 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 $64.76, compared to a current price of $67.61 — trading 4.4% above its estimated fair value. The current 3-Year RORE % is 17.34 and 74.6% above the Banks industry median of 9.93. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Community Financial System (CBU), the current 3-Year RORE % is 17.34 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 $67.61 is trading 4.4% above its estimated GF Value™ of $64.76.
GuruFocus considers Community Financial System to be Fairly Valued.
Key valuation signals for CBU:
3-Year RORE %: 17.34
GF Value™: $64.76 vs. price of $67.61 (4.4% above fair value)
Industry Position: 74.6% above the Banks median (#503 of 1472)
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.
63GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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