Community Bank System, Inc. (CBU)
Banks - Regional · Financial Services · $3.3B
Intrinsic Value (Consensus)
$96.25
Current Price
$62.36
Margin of Safety
+54.3%
54.3% Below Intrinsic Value
Value: $96
Price: $62
Valuation Model Estimates
Current Price: $62.36
DCF (Discounted Cash Flow)
$148.42
Graham Number
$58.24
Earnings Power Value
$38.54
Relative Value (P/E)
$79.40
Dividend Discount Model
$156.67
Consensus Value
$96.25
Model Assumptions
Discount Rate
10.3%
Growth Rate
15.4%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
79
Profitability
18/25
Strength
23/25
Valuation
22/25
Growth
16/25
Financial Health Signals
Strong earnings growth (15% YoY)
Key Financials
- EPS (TTM)
- $3.97
- EPS (Forward)
- $4.58
- Book Value
- $37.98
- P/E Ratio
- 20.0
- Forward P/E
- 17.3
- PEG Ratio
- —
- ROE
- 10.5%
- Debt/Equity
- 49%
- Revenue Growth
- 9.6%
- Earnings Growth
- 15.4%
- Dividend Yield
- 0.6%
- Beta
- 0.80
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-21
Source: Yahoo Finance