CBU (Community Financial System) Tariff Resilience Score: 8/10 (As of Jun. 30, 2026)


CBU Community Financial System Inc CBU
63 GF Score
Price $67.11
GF Value $64.64
Valuation Fairly Valued
! 5 Warning Signs
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What is Community Financial System Tariff Resilience Score?

Community Financial System CBU +0.43% 63 Tariff Resilience Score is 8 as of Jun. 30, 2026. GuruFocus rates CBU with a GF Score™ of 63/100 and a GF Value™ of $64.64 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,609 Banks companies, Community Financial System ranks better than 78.74% on this metric.

Community Financial System has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Community Financial System has Primarily a domestic financial institution with limited direct exposure to international trade tariffs. Indirect impacts through clients in affected sectors are possible but not significant.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Community Financial System might have Highly Resilient.

Community Financial System  (NYSE:CBU) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Community Financial System Tariff Resilience Score Related Terms

CBU vs FFBC, MCHB, BKU: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, Community Financial System's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, Community Financial System's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Community Financial System's Tariff Resilience Score falls into.


CBU
63GF Score
Community Financial System Inc CBU
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Community Financial System (CBU) has a Tariff Resilience Score of 8 as of Jun. 30, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Community Financial System ranks #342 out of 1609 companies in the Banks industry, placing it in the top 21.3%.
Is Community Financial System's Tariff Resilience Score too high?
Community Financial System's current Tariff Resilience Score is 8. Based on the distribution chart, Community Financial System ranks #342 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to FFBC and MCHB?
According to the Banks industry distribution chart, Community Financial System ranks #342 out of 1609 companies for Tariff Resilience Score. This places Community Financial System in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Community Financial System's current Tariff Resilience Score is 8. 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 $64.64, compared to a current price of $67.11 — trading 3.8% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Community Financial System (CBU), the current Tariff Resilience Score is 8 as of Jun. 30, 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 $67.11 is trading 3.8% above its estimated GF Value™ of $64.64. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

  • Tariff Resilience Score: 8
  • GF Value™: $64.64 vs. price of $67.11 (3.8% above fair value)
  • GF Score™: 63/100 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.
63GF Score

Get the complete analysis for CBU

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

$67.11
Price
$64.64
GF Value