Community Financial SystemCBU +1.50%64 5-Year Yield-on-Cost % is 3.16 as of Jul. 09, 2026, which is 8% above its 10-year median of 2.92. GuruFocus rates CBU with a GF Score™ of 64/100 and a GF Value™ of $64.85 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,254 Banks companies, Community Financial System ranks worse than 62.2% on this metric.
The historical rank and industry rank for Community Financial System's 5-Year Yield-on-Cost % or its related term are showing as below:
CBU'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.25 Med: 2.92 Max: 5.13
Current: 3.16
During the past 13 years, Community Financial System's highest Yield on Cost was 5.13. The lowest was 2.25. And the median was 2.92.
CBU's 5-Year Yield-on-Cost % is ranked worse than 62.2% of 1254
companies
in the Banks industry
Industry Median: 3.94
vs CBU: 3.16
Community Financial System (NYSE:CBU) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Community Financial System 5-Year Yield-on-Cost % Related Terms
CBU vs FFBC, MCHB, BKU: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Community Financial System's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Community Financial System's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Community Financial System's 5-Year Yield-on-Cost % falls into.
Community Financial System 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Community Financial System (CBU) has a 5-Year Yield-on-Cost % of 3.16 as of Jul. 09, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Community Financial System and its competitors. This is near median its historical median of 2.92. Over the past decade, Community Financial System's 5-Year Yield-on-Cost % has ranged from 2.25 to 5.13. According to the industry distribution chart, Community Financial System ranks #780 out of 1254 companies in the Banks industry, placing it in the top 62.2%.
Is Community Financial System's 5-Year Yield-on-Cost % too high?
Community Financial System's current 5-Year Yield-on-Cost % of 3.16 is near median its 10-year median of 2.92. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 5.13. The Banks industry median 5-Year Yield-on-Cost % is 3.94. Community Financial System's value of 3.16 is 19.8% below this industry median. Based on the distribution chart, Community Financial System ranks #780 out of 1254 companies in the Banks industry, which is below the industry midpoint. Overall, Community Financial System has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's 5-Year Yield-on-Cost % compare to FFBC and MCHB?
According to the Banks industry distribution chart, Community Financial System ranks #780 out of 1254 companies for 5-Year Yield-on-Cost %. This places Community Financial System in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.94. Community Financial System's value of 3.16 is 19.8% below this benchmark. Historically, Community Financial System's own 5-Year Yield-on-Cost % has ranged from 2.25 to 5.13 over the past decade. While the company's 10-year median is 2.92 vs. the industry median of 3.94, Community Financial System has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.94, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current 5-Year Yield-on-Cost % of 3.16 is 19.8% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Community Financial System and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current 5-Year Yield-on-Cost % is 3.16, which is near median its own 10-year median of 2.92. 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 $64.85, compared to a current price of $66.29 — trading 2.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.16, which is near median its 10-year median of 2.92 and 19.8% below the Banks industry median of 3.94. Community Financial System's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Community Financial System (CBU), the current 5-Year Yield-on-Cost % is 3.16 as of Jul. 09, 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 $66.29 is trading 2.2% above its estimated GF Value™ of $64.85.
GuruFocus considers Community Financial System to be Fairly Valued.
Key valuation signals for CBU:
5-Year Yield-on-Cost %: 3.16 (near median its 10-year median of 2.92)
GF Value™: $64.85 vs. price of $66.29 (2.2% above fair value)
Industry Position: 19.8% below the Banks median (#780 of 1254)
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.
64GF Score
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