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Community Financial System CBU Price / book

Price / book at other companies

M&T BankMTB

1.1×+0.1×

Independent Bank CorpINDB

1×+0.2×

Eastern Bankshares, Inc.EBC

1×+0.1×

F.N.B. CorporationFNB

0.9×+0.1×

Regions FinancialRF

1.2×+0.1×

FIB

First Interstate BancSystem, Inc.FIBK

1×+0.1×

Other financials

Income statement

Revenue$213.3M+8.7%

Net income$57.2M+15.3%

EPS (diluted)$1.08+16.1%

Balance sheet

Cash & equivalents$572.2M+10.5%

Total debt$437.7M-25.3%

Total equity$2.0B+10.4%

Total assets$17.7B+5.8%

Cash flow

Operating cash flow$71.6M+14.5%

CapEx$11.3M+6.7%

Free cash flow$60.3M+16.1%

Valuation

Market cap$3.28B+2.6%

Enterprise value$3.14B-4.1%

P/E15×-1.7×

P/S3.9×-0.3×

Profitability

Net margin26.1%+1.1pp

FCF margin28.9%+3.3pp

Returns & leverage

Return on equity11.3%+0.3pp

Debt / equity0.2×-0.1×

Where this comes from

Calculated from Community Financial System’s reported figures.

market cap/total stockholders equity=1.5×

Based on the most recent quarter.

The official record: Community Financial System’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Community Financial System's price / book?: Community Financial System (CBU) reported price / book of 1.5× in Q1 2026.
How has Community Financial System's price / book changed year-over-year?: Community Financial System's price / book decreased by 7.1% year-over-year, from 1.6× to 1.5×.
What is the long-term trend for Community Financial System's price / book?: Over 5 years (2020 to 2025), Community Financial System's price / book has grown at a -1.1% compound annual growth rate (CAGR), from 1.6× to 1.5×.
What does price / book mean?: Market capitalization at the quarter end divided by shareholders' equity. The premium (or discount) the market assigns to the company's book equity.