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Community Bank System, Inc.
CBUFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $1.01B | 20.8% | $210.29M | $233.54M | N/A |
| 2027 | $1.09B | 20.8% | $226.48M | $251.53M | $228.66M |
| 2028 | $1.17B | 20.8% | $243.92M | $270.90M | $223.88M |
| 2029 | $1.26B | 20.8% | $262.71M | $291.75M | $219.20M |
| 2030 | $1.36B | 20.8% | $282.93M | $314.22M | $214.62M |
| 2031 | $1.46B | 20.8% | $304.72M | $338.41M | $210.13M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.97 | 2025-12-31 |
| EPS growth | +15.7% | Forecast years: 5 |
| Future EPS | $8.231 | EPS × (1 + G)^5 |
| Base P/E | 14.4 | P/E |
| Future price | $118.53 | Future EPS × P/E |
| Fair value today | $73.596 | PV @ 10.0% |
| 30% safety price | $51.517 | Margin of safety |
| 50% safety price | $36.798 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $76.85 | $87.181 | $101.27 |
| 10.0% | $66.398 | $74.015 | $83.975 |
| 11.0% | $58.157 | $63.956 | $71.302 |