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COMMUNITY FINANCIAL SYSTEM, INC. CBU

Rank #1348 · NYSE · $3.3B market cap
⚠ Going-concern flag — the auditor (PricewaterhouseCoopers LLP) raised substantial doubt about this company's ability to continue operating in the latest filing. Read the actual filing before drawing conclusions.
Score
49.6
P/E
24.8
P/B
2.11
ROE
8.5%
Op. Margin
–%
Debt Ratio
942%

Health Check — percentile rank within this universe, based on the latest annual filing

Valuation ★★★☆☆
Good

P/E 24.8x, P/B 2.11x. Ranks in the top 36% of the universe.

Profitability ★★☆☆☆
Average

ROE 8.5%. Ranks in the top 51% of the universe.

Safety ★☆☆☆☆
Poor

Debt ratio 942%. Ranks in the top 90% of the universe. Above 200% signals meaningful leverage risk.

Growth ★☆☆☆☆
Weak

Revenue decline of 4.0% year over year. Ranks in the top 74% of the universe.

Valuation is the relative strength · Safety is the relative weakness (relative to this universe).

Financials annual, from SEC 10-K filings

FYRevenueOp. IncomeNet IncomeEquityOp. Margin%Debt%
2012––$0.1B$0.6B–1010
2013––$0.1B$0.6B–1086
2014––$0.1B$0.8B–803
2015––$0.1B$0.9B–720
2016––$0.1B$0.9B–846
2017––$0.1B$1.0B–756
2018––$0.1B$1.1B–799
2019––$0.2B$1.2B–742
2020––$0.2B$1.6B–584
2021––$0.2B$1.7B–690
2022––$0.2B$1.9B–725
2023––$0.2B$2.1B–679
2024$0.7B–$0.2B$2.1B–660
2025$0.7B–$0.1B$1.6B–942

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