CBUFinancial Services · Banks - RegionalThe 6 Wall Street analysts covering Community Financial System, Inc. hold a median 12-month price target of $69 — +16.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 51 of 100 as at 14 Oct 2026 — in the upper half.
Consensus tells you what everyone already believes. The model scores Community Financial System, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Issuance (87): The share count has been shrinking and the company is not leaning on new borrowing.
Value (17): The shares cost a lot relative to the profits and assets behind them.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on CBU, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +16.0% from it.
Of the 20 most recent actions, 2 moved their price target up and 3 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 12 Oct 2026 | DA Davidson | Maintains | Neutral | $70 → $69 |
| 6 Oct 2026 | Piper Sandler | Maintains | Neutral | $71 → $65 |
| 3 Aug 2026 | Piper Sandler | Maintains | Neutral | $66 → $71 |
| 3 Aug 2026 | Piper Sandler | Maintains | Neutral | — |
| 30 July 2026 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 30 July 2026 | Keefe, Bruyette & Woods | Maintains | Market Perform | $70 → $68 |
| 30 Apr 2026 | Piper Sandler | Maintains | Neutral | — |
| 30 Apr 2026 | Piper Sandler | Maintains | Neutral | $62 → $66 |
| 25 Feb 2026 | DA Davidson | Initiates | Neutral | — |
| 13 Jan 2026 | Janney Montgomery Scott | Downgrade | Neutral | — |
| 3 Dec 2025 | Piper Sandler | Assumes | Neutral | $62 |
| 23 Oct 2025 | Keefe, Bruyette & Woods | Reiterates | Market Perform | — |
| 23 July 2025 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 22 Jan 2025 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 5 Dec 2024 | Piper Sandler | Assumes | Neutral | $70 |
| 4 Dec 2024 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 28 Oct 2024 | Raymond James | Upgrade | Strong Buy | — |
| 10 Sept 2024 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 14 Mar 2024 | DA Davidson | Maintains | Neutral | — |
| 5 Jan 2024 | Raymond James | Maintains | Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Computed off the Friday close and sent before the US open.
Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. CBU appears on the weeks it earns a place.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 14 Oct 2026, Community Financial System, Inc. returned +4.1% against +17.5% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 49% of US stocks
Cheaper than 32% of US stocks
Cheaper than 53% of US stocks
Higher than 57% of US stocks
Higher than 58% of US stocks
Higher than 91% of US stocks
Higher than 87% of US stocks
Higher than 67% of US stocks
Higher than 54% of US stocks
Higher than 88% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Community Financial System, Inc. has a market value of $3.1B and an enterprise value of $3.6B.
Revenue in the twelve months to 30 June 2026: $860.0M. The latest quarter grew 12.0% year on year.
Net income over the same four quarters: $228.1M, a 26.5% net margin.
Diluted earnings per share, trailing twelve months: $4.31.
Free cash flow in the twelve months to 30 June 2026: $246.7M.
Community Financial System, Inc. spent $27.2M on share buybacks and $98.6M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 13.6×; forward P/E: 11.3× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 3.34%, paying out 44% of earnings.
Community Financial System, Inc. employs 2,853 people — $301K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Community Financial System, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Community Financial System announced it will hold a conference call to discuss its third quarter 2026 earnings. The announcement was issued by the company via Business Wire from Syracuse, New York.
Why it matters — Investors monitoring CBU will want to tune in, as the call will provide updates on the company's third quarter 2026 financial performance.
BPAS, a national provider of retirement plans, employee benefits and institutional trust services, announced the acquisition of ESOP One, an employee ownership technology platform that educates and engages participants in Employee Stock Ownership Plans. The acquisition integrates ESOP capabilities with BPAS's retirement plan solutions to better support employers, advisors and employee-owners.
Why it matters — CBU watchers would care because one of the Community Financial System's businesses, BPAS, is expanding its retirement and employee benefit service offerings through this acquisition.
The NYSE issued a daily pre-market advisory directly from its trading floor. The update references the business rewards platform PayRewards launching in the U.S. and appears to be part of routine pre-market communications.
Why it matters — A CBU watcher would be interested because this NYSE pre-market advisory signals routine market activity and a new U.S. rewards platform launch that could relate to the financial services sector.
Seeking Alpha reports that Community Financial System (CBU) continues to benefit from healthy margin expansion driven by fixed-asset repricing, even as broad interest rates have fallen. The company's bond portfolio still yields around 2.2%, while new loans are being booked at roughly 6%, and asset-based non-interest revenue is supported by strong financial markets.
Why it matters — CBU watchers would care because the article suggests the company's ongoing loan repricing and supportive market-driven fee income could keep boosting its margins in the foreseeable future.
Community Financial System, Inc. (CBU) held its Q2 2026 earnings call, with the transcript of the call published by Seeking Alpha.
Why it matters — The earnings call transcript provides CBU watchers with management's perspective on the company's quarterly financial performance and outlook.
The 6 Wall Street analysts covering Community Financial System, Inc. have a median 12-month price target of $69, with estimates ranging from $65 to $75. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 6 analysts covering Community Financial System, Inc., 1 rate it a Buy, 5 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Community Financial System, Inc. 51 out of 100 across roughly 4,600 US stocks as at 14 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 14 Oct 2026, Community Financial System, Inc. ranks 51 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (87 of 100).
No one can know that. What the data says: the median 12-month target from 6 analysts implies +16.0% from the last close, and Ticker Nerd's factor model ranks Community Financial System, Inc. 51 out of 100 as at 14 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Community Financial System, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CBU are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $65 to $75 over the next 12 months.
Community Financial System, Inc. returned +4.1% over the 12 months to 14 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Community Financial System, Inc. is a diversified financial services holding company headquartered in DeWitt, New York.
The most recent item we track (Business Wire, 17 Sept 2026): "Community Financial System Announces Third Quarter 2026 Earnings Conference Call". Community Financial System announced it will hold a conference call to discuss its third quarter 2026 earnings. The announcement was issued by the company via Business Wire from Syracuse, New York.
Community Financial System, Inc. is a diversified financial services holding company headquartered in DeWitt, New York. Its core operations are organized around banking services, employee benefit services, insurance services, and wealth management services, allowing it to serve retail, commercial, institutional, and municipal clients. Through Community Bank, N.A., the company provides deposit accounts, lending solutions, treasury and cash management services, and other everyday banking products. Its benefit services business supports retirement plan administration, fiduciary services, and related employee benefit solutions, while its insurance and wealth management units offer risk management, financial planning, trust administration, and investment services. Community Financial System, Inc. plays an important role in regional banking and advisory services, combining traditional banking with fee-based financial services for customers across multiple markets.
CEO Mr. Dimitar A. Karaivanov · 2,853 employees · United States · https://ir.cfsi.com
