SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Community Bank System, Inc. (CBU) trades at a trailing P/E of 16.4, forward P/E of 13.2. Trailing earnings yield is 6.10%, forward earnings yield 7.59%. PEG 1.09. Graham Number is $54.98.
Criteria proven by this page:
- VALUE (60/100, Pass) — P/E is below market average (16.4); earnings yield beats bond yields (6.10%).
- Forward P/E 13.2 (down from trailing 16.4) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 1.09 — between 1.0–2.0 indicates moderate valuation relative to growth.
- Trailing Earnings Yield 6.10% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 7.59% as earnings recover.
- Analyst consensus target $62.00 (+0% upside) — modest upside expected.
Overall SharesGrow Score: 65/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
60/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CBU
Valuation Multiples
P/E (TTM)16.4
Forward P/E13.2
PEG Ratio1.09
Forward PEG0.72
P/B Ratio1.72
P/S Ratio3.49
EV/EBITDA11.6
Per Share Data
EPS (TTM)$3.75
Forward EPS (Est.)$4.71
Book Value / Share$35.79
Revenue / Share$16.57
FCF / Share$3.89
Yields & Fair Value
Earnings Yield6.10%
Forward Earnings Yield7.59%
Dividend Yield3.04%
Graham Number$54.98
SharesGrow IV$80.85 (+30.4%)
Analyst Target$62.00 (+0%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
26.4 |
4.49 |
2.29 |
6.22 |
2.01% |
| 2017 |
17.5 |
0.56 |
1.61 |
4.96 |
2.36% |
| 2018 |
17.7 |
2.36 |
1.74 |
5.08 |
2.40% |
| 2019 |
21.7 |
-17.91 |
1.98 |
5.95 |
2.19% |
| 2020 |
20.0 |
-4.08 |
1.57 |
5.35 |
2.64% |
| 2021 |
21.2 |
1.60 |
1.91 |
6.34 |
2.26% |
| 2022 |
18.0 |
-21.11 |
2.19 |
4.83 |
2.75% |
| 2023 |
21.2 |
-0.72 |
1.65 |
3.69 |
3.40% |
| 2024 |
17.8 |
0.44 |
1.85 |
3.46 |
2.94% |
| 2025 |
15.3 |
0.97 |
1.61 |
3.47 |
3.03% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.32 |
$440.81M |
$103.81M |
23.6% |
| 2017 |
$3.03 |
$531.88M |
$150.72M |
28.3% |
| 2018 |
$3.26 |
$587.11M |
$168.64M |
28.7% |
| 2019 |
$3.23 |
$616.35M |
$169.06M |
27.4% |
| 2020 |
$3.08 |
$617.28M |
$164.68M |
26.7% |
| 2021 |
$3.48 |
$633.66M |
$189.69M |
29.9% |
| 2022 |
$3.46 |
$702.45M |
$188.08M |
26.8% |
| 2023 |
$2.45 |
$755.98M |
$131.92M |
17.5% |
| 2024 |
$3.46 |
$940.71M |
$182.48M |
19.4% |
| 2025 |
$3.98 |
$928.71M |
$210.46M |
22.7% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$4.69 |
$4.51 – $4.78 |
$894.92M |
$891.48M – $901.03M |
5 |
| 2027 |
$5.34 |
$4.88 – $5.63 |
$964.26M |
$954.47M – $978.53M |
5 |
