COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
National Commercial Banks · Financial Services · $4.2B
Intrinsic Value (Consensus)
$96.25
Current Price
$79.40
Margin of Safety
+21.2%
21.2% Below Intrinsic Value
Value: $96
Price: $79
Valuation Model Estimates
Current Price: $79.40
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%.
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
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance