CBU (Community Financial System) Shiller PE Ratio: (As of Sep. 21, 2026)

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CBU Community Financial System Inc CBU
62 GF Score
Price $61.72
GF Value $66.62
Valuation Fairly Valued
! 3 Warning Signs
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What is Community Financial System Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Community Financial System  (NYSE:CBU) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


Community Financial System Shiller PE Ratio Related Terms


Community Financial System Shiller PE Ratio Historical Data

* Premium members only.

The historical data trend for Community Financial System's Shiller PE Ratio can be seen below:

* 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 Shiller PE Ratio Chart

Community Financial System Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.94 19.21 15.44 17.53 15.49

Community Financial System Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.55 15.83 15.39 15.29 17.14

CBU vs SBCF, BKU, SFNC: Shiller PE Ratio Comparison

For the Banks - Regional subindustry, Community Financial System's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Community Financial System's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Community Financial System's Shiller PE Ratio falls into.


CBU
62GF Score
Community Financial System Inc CBU
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Financial System Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Community Financial System's E10 for the quarter that ended in Jun. 2026 is calculated as:

For example, Community Financial System's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.1591/333.9520*333.9520
=1.159

Current CPI (Jun. 2026) = 333.9520.

Community Financial System Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201609 0.606 241.428 0.838
201612 0.583 241.432 0.806
201703 0.568 243.801 0.778
201706 0.348 244.955 0.475
201709 0.684 246.819 0.925
201712 1.393 246.524 1.886
201803 0.776 249.554 1.039
201806 0.859 251.989 1.138
201809 0.828 252.439 1.095
201812 0.780 251.233 1.037
201903 0.804 254.202 1.056
201906 0.860 256.143 1.121
201909 0.749 256.759 0.974
201912 0.815 256.974 1.059
202003 0.762 258.115 0.986
202006 0.665 257.797 0.861
202009 0.790 260.280 1.014
202012 0.866 260.474 1.110
202103 0.971 264.877 1.224
202106 0.878 271.696 1.079
202109 0.831 274.310 1.012
202112 0.797 278.802 0.954
202203 0.863 287.504 1.003
202206 0.732 296.311 0.825
202209 0.897 296.808 1.009
202212 0.966 296.797 1.086
202303 0.107 301.836 0.118
202306 0.894 305.109 0.979
202309 0.820 307.789 0.890
202312 0.714 306.746 0.777
202403 0.764 312.332 0.817
202406 0.905 314.175 0.962
202409 0.830 315.301 0.879
202412 0.934 315.605 0.988
202503 0.934 319.799 0.975
202506 0.966 322.561 1.001
202509 1.039 324.800 1.068
202512 1.024 324.054 1.055
202603 1.080 330.213 1.093
202606 1.159 333.952 1.159

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

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 $61.72 is trading 7.4% below its estimated GF Value™ of $66.62. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

  • Shiller PE Ratio:
  • GF Value™: $66.62 vs. price of $61.72 (7.4% below fair value)
  • GF Score™: 62/100 with 3 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

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

$61.72
Price
$66.62
GF Value