Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customer
The company offers employee benefi…
Analysis
Beloved champion
Community Financial System, Inc. is a beloved champion: its quality is genuine, and the market already prices it as exceptional.
The price is fair. You pay 18.9× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.
The trajectory is solid and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value.
Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.
360° rank · history
1007550250
Jan 202325
51
2023202420252026
All-time high
83
Jan 2025
All-time low
25
Jan 2023
Average rank
50
across all years
Detailed & Historical Ranks
Deep dive into 15 detailed ranks and 3 years of history.
Current202520242023
Price/Sales
12
22
16
7
Price/Earnings
15
16
13
3
Price/Book
14
7
7
7
Dividend Yield
75
46
50
37
Value (overall)
20
12
10
5
Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.