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Community Financial System Valuation Multiples
Discover revenue and EBITDA valuation multiples for Community Financial System and similar public comparables like Commercial Bank Of Kuwait, Bank of Queensland, Towne Bank, SpareBank 1 SMN and more.
Community Financial System Overview
About Community Financial System
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional and governmental customers. The Company also offers comprehensive financial planning, trust administration and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services and Wealth Management Services.
Founded
1983
HQ
Employees
2.9K
Website
Sectors
Financials (LTM)
EV
$4B
Community Financial System Financials
Community Financial System reported last 12-month revenue of $832M.
In the same LTM period, Community Financial System generated $217M in net income.
Revenue (LTM)
Community Financial System P&L
In the most recent fiscal year, Community Financial System reported revenue of $818M and net income of $210M.
Community Financial System expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $832M | XXX | $818M | XXX | XXX | XXX |
| EBIT Margin | 37% | XXX | 37% | XXX | XXX | XXX |
| Net Profit | $217M | XXX | $210M | XXX | XXX | XXX |
| Net Margin | 26% | XXX | 26% | XXX | XXX | XXX |
| Net Debt | — | — | $172M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Community Financial System Stock Performance
Community Financial System has current market cap of $3B, and enterprise value of $4B.
Market Cap Evolution
Community Financial System's stock price is $60.98.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $4B | $3B | 0.0% | XXX | XXX | XXX | $3.99 |
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Start Free TrialCommunity Financial System Valuation Multiples
Community Financial System trades at 4.4x EV/Revenue multiple.
EV / Revenue (LTM)
Community Financial System Financial Valuation Multiples
As of March 7, 2026, Community Financial System has market cap of $3B and EV of $4B.
Equity research analysts estimate Community Financial System's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Community Financial System has a P/E ratio of 14.8x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $3B | XXX | $3B | XXX | XXX | XXX |
| EV (current) | $4B | XXX | $4B | XXX | XXX | XXX |
| EV/Revenue | 4.4x | XXX | 4.5x | XXX | XXX | XXX |
| EV/EBIT | 11.9x | XXX | 12.2x | XXX | XXX | XXX |
| P/E | 14.8x | XXX | 15.3x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 15.7x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Community Financial System Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Community Financial System Margins & Growth Rates
Community Financial System's revenue in the last 12 month grew by 9%.
Community Financial System's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.
Community Financial System Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 9% | XXX | 9% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.2M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 2% | XXX | 2% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 38% | XXX | XXX | XXX |
| Opex to Revenue | 63% | XXX | — | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Community Financial System Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Commercial Bank Of Kuwait | XXX | XXX | XXX | XXX | XXX | XXX |
| Bank of Queensland | XXX | XXX | XXX | XXX | XXX | XXX |
| Towne Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| SpareBank 1 SMN | XXX | XXX | XXX | XXX | XXX | XXX |
| EQB | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Community Financial System M&A Activity
Community Financial System acquired XXX companies to date.
Last acquisition by Community Financial System was on XXXXXXXX, XXXXX. Community Financial System acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Community Financial System
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialCommunity Financial System Investment Activity
Community Financial System invested in XXX companies to date.
Community Financial System made its latest investment on XXXXXXXX, XXXXX. Community Financial System invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Community Financial System
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Community Financial System
| When was Community Financial System founded? | Community Financial System was founded in 1983. |
| Where is Community Financial System headquartered? | Community Financial System is headquartered in United States. |
| How many employees does Community Financial System have? | As of today, Community Financial System has over 2K employees. |
| Who is the CEO of Community Financial System? | Community Financial System's CEO is Dimitar A. Karaivanov. |
| Is Community Financial System publicly listed? | Yes, Community Financial System is a public company listed on NYSE. |
| What is the stock symbol of Community Financial System? | Community Financial System trades under CBU ticker. |
| When did Community Financial System go public? | Community Financial System went public in 1984. |
| Who are competitors of Community Financial System? | Community Financial System main competitors are Commercial Bank Of Kuwait, Bank of Queensland, Towne Bank, SpareBank 1 SMN. |
| What is the current market cap of Community Financial System? | Community Financial System's current market cap is $3B. |
| What is the current revenue of Community Financial System? | Community Financial System's last 12 months revenue is $832M. |
| What is the current revenue growth of Community Financial System? | Community Financial System revenue growth (NTM/LTM) is 9%. |
| What is the current EV/Revenue multiple of Community Financial System? | Current revenue multiple of Community Financial System is 4.4x. |
| Is Community Financial System profitable? | Yes, Community Financial System is net-income-positive (as of the last 12 months). |
| What is the current net income of Community Financial System? | Community Financial System's last 12 months net income is $217M. |
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