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CBU Stock Forecast: Community Financial System, Inc. Price Predictions for 2026-2027

Last close, 4 Nov 2026
$66
+3.03% on the day

The 6 Wall Street analysts covering Community Financial System, Inc. hold a median 12-month price target of $69 — +4.2% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 52 of 100 as at 3 Nov 2026 — in the upper half.

Market cap
$3.4B
Ticker Nerd rank
52/ 100
Median analyst target
$69
Analysts covering
6
Revenue$223.6M+12.2% y/y
Net income$61.3M
Free cash flow$41.4M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+4.7%
1M
+8.3%
YTD
+17.1%
1Y
+21.7%
From 52W high
−6.7%
From 52W low
+26.3%
$52
$70
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

CBU stock analysis: one number for the whole business

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.

Where the model ranks itAs at 3 Nov 2026
52/ 100

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
Quality
74
Revisions
68
Growth
68
Momentum
54
Volatility
30
Accruals
29
Size
28
Value
14

Issuance (87): The share count has been shrinking and the company is not leaning on new borrowing.

Value (14): The shares cost a lot relative to the profits and assets behind them.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

CBU stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CBU, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$50$55$60$65$70$75Jan 26Apr 26Jul 26Oct 26CBUHigh $75Median $69Low $65

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

What Wall Street says6 analysts
1 Buy5 Hold0 Sell
Low $65Median $69High $75

The green dot is the last close — the median target sits +4.2% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 2 moved their price target up and 3 moved it down.

DateFirmActionRatingTarget
12 Oct 2026DA DavidsonMaintainsNeutral$70 → $69
6 Oct 2026Piper SandlerMaintainsNeutral$71 → $65
3 Aug 2026Piper SandlerMaintainsNeutral$66 → $71
3 Aug 2026Piper SandlerMaintainsNeutral—
30 July 2026Keefe, Bruyette & WoodsMaintainsMarket Perform—
30 July 2026Keefe, Bruyette & WoodsMaintainsMarket Perform$70 → $68
30 Apr 2026Piper SandlerMaintainsNeutral—
30 Apr 2026Piper SandlerMaintainsNeutral$62 → $66
25 Feb 2026DA DavidsonInitiatesNeutral—
13 Jan 2026Janney Montgomery ScottDowngradeNeutral—
3 Dec 2025Piper SandlerAssumesNeutral$62
23 Oct 2025Keefe, Bruyette & WoodsReiteratesMarket Perform—
23 July 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
22 Jan 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
5 Dec 2024Piper SandlerAssumesNeutral$70
4 Dec 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
28 Oct 2024Raymond JamesUpgradeStrong Buy—
10 Sept 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
14 Mar 2024DA DavidsonMaintainsNeutral—
5 Jan 2024Raymond JamesMaintainsOutperform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

CBU appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

CBU vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 4 Nov 2026, Community Financial System, Inc. returned +21.7% against +14.8% for the S&P 500, dividends included.

CBU vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130Jan 26Apr 26Jul 26Oct 26CBUS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

CBU analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingThis fiscal year
EPS revision, 90 days
0.0%
Analysts raising
2
Analysts cutting
0
Fundamentals

Community Financial System, Inc. (CBU) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
14.6×

Cheaper than 47% of US stocks

Price / sales
3.9×

Cheaper than 30% of US stocks

Price / book
1.7×

Cheaper than 49% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
10.0%

Higher than 53% of US stocks

Earnings growth (YoY)
11.3%

Higher than 50% of US stocks

Gross margin
—
Operating margin
38.3%

Higher than 91% of US stocks

Net margin
27.3%

Higher than 87% of US stocks

Returns & dividend
Return on equity
11.8%

Higher than 67% of US stocks

Return on assets
1.3%

Higher than 54% of US stocks

Dividend yield
3.1%

Higher than 87% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Community Financial System, Inc. (CBU) statistics: revenue, profit & scale

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 $3.4B and an enterprise value of $3.6B.

  • Revenue in the twelve months to 30 June 2026: $860.0M. The latest quarter grew 10.0% 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.

  • Shares outstanding: 52.6M.

  • Trailing P/E: 14.6×; forward P/E: 12.5× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.07%, paying out 44% of earnings.

  • Community Financial System, Inc. employs 2,853 people — $301K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 5 Nov 2026

Data provided by Twelve Data

Peers

CBU vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
CBUCommunity Financial System, Inc.$3.4B52
TOWNTowneBank$3.4B77
SFNCSimmons First National Corp.$3.4B56
MCHBMechanics Bancorp$3.4B49
FFBCFirst Financial Bancorp (Ohio)$3.4B49
SBCFSeacoast Banking Corp. of Florida$3.2B21
PRKPark National Corp.$3.2B36

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 →

News

Latest CBU news & analysis

Community Financial System, Inc. (CBU) Q3 2026 Earnings Call Transcript

Seeking Alpha · 27 Oct 2026neutral

Community Financial System held its Q3 2026 earnings call on October 27, 2026, with CEO Dimitar Karaivanov and CFO Marya Wlos participating. The provided excerpt includes the call opening and participant information but no earnings results or business updates.

Why it matters — CBU watchers can note the quarterly call took place, but this excerpt does not provide performance details to assess.

Community Financial System Q3 Earnings Call Highlights

MarketBeat · 27 Oct 2026positive

Community Financial System reported record operating results for the third quarter of 2026. CEO Dimitar Karaivanov said operating diluted earnings per share increased 16.5% year over year and 9.5% from the prior quarter.

Why it matters — The results and earnings-per-share growth provide CBU watchers with an update on the company’s recent operating performance.

Community Financial (CBU) Reports Q3 Earnings: What Key Metrics Have to Say

Zacks Investment Research · 27 Oct 2026neutral

Community Financial reported Q3 earnings for the quarter ended September 2026. The excerpt says its headline results can be assessed alongside key metrics, Wall Street estimates and year-ago actuals, but provides no figures or comparisons.

Why it matters — CBU watchers may want to compare the detailed quarterly metrics with estimates and prior-year results to understand the company’s performance.

Community Financial System (CBU) Q3 Earnings and Revenues Beat Estimates

Zacks Investment Research · 27 Oct 2026positive

Community Financial System reported Q3 earnings of $1.21 per share, above the Zacks Consensus Estimate of $1.19. Earnings were $1.04 per share in the year-ago quarter.

Why it matters — The results show CBU exceeded the consensus earnings estimate and reported higher per-share earnings than a year earlier.

Community Financial System, Inc. Reports Third Quarter 2026 Results

Business Wire · 27 Oct 2026neutral

Community Financial System, Inc. announced that it reported third-quarter 2026 results. The excerpt provides no details about the results.

Why it matters — The announcement is relevant to CBU watchers, but the excerpt does not include information to assess the results.

FAQ

Frequently asked questions about CBU stock

What is the CBU stock price forecast for 2026-2027?

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.

Is CBU stock a buy right now?

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. 52 out of 100 across roughly 4,600 US stocks as at 3 Nov 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CBU?

As at 3 Nov 2026, Community Financial System, Inc. ranks 52 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).

Will CBU stock go up?

No one can know that. What the data says: the median 12-month target from 6 analysts implies +4.2% from the last close, and Ticker Nerd's factor model ranks Community Financial System, Inc. 52 out of 100 as at 3 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the CBU stock forecast for 2030?

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.

How has CBU stock performed over the past year?

Community Financial System, Inc. returned +21.7% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Community Financial System, Inc. do?

Community Financial System, Inc. is a diversified financial services holding company headquartered in DeWitt, New York.

What is the latest news on CBU?

The most recent item we track (Seeking Alpha, 27 Oct 2026): "Community Financial System, Inc. (CBU) Q3 2026 Earnings Call Transcript". Community Financial System held its Q3 2026 earnings call on October 27, 2026, with CEO Dimitar Karaivanov and CFO Marya Wlos participating. The provided excerpt includes the call opening and participant information but no earnings results or business updates.

Company

About Community Financial System, Inc.

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