What's priced into Community Bank System, Inc.?
What do you have to believe to make money in Community Bank System, Inc. at $62.99? The stock trades at 14.6x trailing earnings and the Street expects about 10% growth a year. The question is where do we go from here?
Growth down the side, exit multiple across the top, your five-year annualized return in each cell.
5-year annualized return · growth vs exit multiple
| EPS growth ↓ · Exit multiple → | 7.3x −50% | 11.0x −25% | 14.6x today | 18.3x +25% | 18.1x 5y median |
|---|---|---|---|---|---|
| −5% (decline) | −17% | −10% | −5% | −1% | −1% |
| 0% (no growth) | −13% | −6% | +0% | +5% | +4% |
| 5% (half) | −9% | −1% | +5% | +10% | +9% |
| 10% (Street consensus) | −5% | +4% | +10% | +15% | +14% |
| 12% (beat) | −2% | +6% | +12% | +17% | +17% |
| 15% (big beat) | −0% | +8% | +15% | +20% | +20% |
“Community Bank System renamed itself Community Financial System in 2024, and the screen that ranks it the second most expensive name in a 202-bank universe is still pricing it as a bank.”
From our CBU write-up.
Read the CBU write-up →Method. Trailing diluted EPS of $4.31 (price $62.99 ÷ 14.6x trailing P/E; data from Financial Modeling Prep, September 3, 2026). Exit multiples are anchored to the stock itself: 50% and 25% below today's multiple, today's, 25% above, and its own five-fiscal-year median of 18.1x. Growth rows are anchored to the Street’s forward consensus: a decline at half the center rate, zero, half, the center, 25% above, and 50% above. Cell shading scales with the return, green positive, red negative. Each cell: EPS compounds at the row's rate for five years, the stock is valued at the column's multiple in year five, and the result is the annualized return against today's price. Dividends and buybacks excluded. An illustrative surface, not a forecast and not a call.