Will Community Financial System stock go up?

According to Danelfin AI, Community Financial System has today an AI Score of 4/10 (Hold rating), because its probability of beating the market in 3 months (50.41%) is -0.41% vs. the average probability (50.82%) of all US-listed stocks.

What is the target price for Community Financial System stock?

The Community Financial System target price is $69.52 (1Y), according to the average price target offered by analysts.

Is it a good time to buy, sell, or hold Community Financial System stock right now?

Community Financial System has today a Hold rating (AI Score 4/10), according to Danelfin AI. Its probability of beating the market in 3 months (50.41%) is -0.41% vs. the average probability (50.82%) of all US-listed stocks, based on our AI-powered analysis. You can find more details on whether Community Financial System stock is a good buy .

Is Community Financial System undervalued right now?

Based on analysts, the average price target upside for Community Financial System is +1.53% (1Y). According to Danelfin AI, Community Financial System has today an AI Score of 4/10 (Hold Rating).

What was the price range of Community Financial System stock over the past 12 months?

The Community Financial System stock price range over the past 12 months has been $51.46 - $68.47.

What is going on with Community Financial System stock in the last 3 months?

The Community Financial System stock performance in the last quarter has been +16.74%.

Does Community Financial System offer dividend payments?

Yes, Community Financial System stock dividend yield is 2.75%.

What is the current market capitalization of Community Financial System?

Community Financial System's market cap is $3.6B, as of 2026-07-02 08:00.

When is the next CBU earnings report date?

CBU will publish its next earnings report on 2026-04-29.

Community Financial System Inc (CBU) AI Stock Analysis

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CBU AI-Powered Stock Analysis

AI Score Explanation

AI Score

Hold

Fundamental
Technical
Sentiment
Low Risk

According to Danelfin’s proprietary AI model, Community Financial System Inc today receives an AI Score of 4/10, which translates to a Hold rating. The stock has a 50% probability of outperforming the market in the next 3 months, which is 1% lower than the average probability of any stock (51%). Among the top positive contributors, the Industry (GICS) being Banks adds +0.42% to the probability, while Tangible Shareholders' Equity (in the top 30%) contributes +0.23%, and the Chart Pattern (504d) adds +0.21%. On the negative side, the Chart Pattern (120d) detracts -0.67%, the Distance from KAMA (20d) (in the top 20%) reduces probability by -0.31%, and the Fear & Greed Index at 31 (extreme fear) subtracts -0.29%. Notable data points include a Basic EPS of 1.08 (in the top 30%), indicating strong profitability, and Tangible Shareholders' Equity of $1,080.68M (also top 30%), reflecting solid financial health. However, the Analyst Lowest Price Upside is -7.14% (in the bottom 50%), suggesting bearish analyst sentiment. The ATR (14d Volatility) is in the top 30%, indicating higher-than-average price swings. Overall, the stock's probability is slightly below average, with mixed signals from technical patterns and sentiment weighing against solid fundamentals, resulting in a Hold rating.

AI Score Explanation

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Valuation+0.32%
How the stock is priced relative to its fundamentals
Volatility+0.12%
How much the stock price tends to fluctuate
Growth+0.09%
Expected pace of revenue and earnings expansion
Sentiment+0.08%
How analysts and the market view the stock

Momentum-1.03%
Direction and strength of recent price movements

CBU probability advantage of beating the market (3M):

-0.41%

AI Score

Hold

Community Financial System (CBU) has an AI Score of 4/10 (Hold) because, according to an overall analysis, it has a probability advantage of -0.41% of beating the market (S&P500) in the next 3 months. This advantage is calculated as the difference between the average probability of any US-listed stock (50.82%) and the probability of CBU (50.41%) of outperforming the market in the next 3 months, as determined by Danelfin AI’s comprehensive analysis.

Average probability of any US-listed stock of beating the market (3M)50.82%
CBU probability advantage of beating the market (3M)-0.41%
CBU probability of beating the market (3M)50.41%

CBU probability advantage of beating the market (3M): -0.41%

The AI-powered overall analysis of Community Financial System (CBU) is based on the 22 fundamental, technical, and sentiment features that had the greatest impact on stock performance during the last 12 months (alpha signals). These alpha signals explain the probability advantage of CBU:

Type	Alpha Signal	Current Value	Value Decile Position	Probability Advantage Impact (3M)
Technical	Chart Pattern (120d)	figure_137	N/A	-0.67%
Sentiment	Industry (GICS)	Banks	N/A	+0.42%
Technical	Distance from KAMA (20d)	0.07%		-0.31%
Sentiment	Fear & Greed Index (CNN)	31	N/A	-0.29%
Technical	ATR (14d Volatility)	1.58		-0.28%
Fundamental	Tangible Shareholders' Equity	1.08K		+0.23%
Technical	Chart Pattern (504d)	figure_68	N/A	+0.21%
Sentiment	Country	United States of America	N/A	-0.19%
Technical	Maximum Volatility	2.60%		+0.16%
Technical	Chart Pattern (252d)	figure_64	N/A	-0.16%
Sentiment	Upgrade to unlock			-0.11%
Technical	Upgrade to unlock			+0.09%
Technical	Upgrade to unlock			+0.09%
Technical	Upgrade to unlock			+0.09%
Fundamental	Upgrade to unlock			+0.09%

Rest of Alpha Signals: +0.21%

CBU probability advantage of beating the market (3M)Total:-0.41%
CBU AI Score

Significant changes Vs previous day

CBU Trading Parameters

These suggested trading parameters for a 3-month horizon help improve risk management and decision-making.

Entry:$68.47
Horizon: 3 months
Stop Loss:$XXXXXPro (XXXXXPro) or AI Score < 4/10
Take Profit:$XXXXXPro (XXXXX
Pro
) or AI Score < 4/10

CBU Proven Hold Signal & Price Forecast

This is the price chart for CBU from January 2, 2026 until today. The chart indicates, in yellow, the 55 days when the stock received a Hold rating (hold signals, AI Score 4 to 6).

Forecast: In the section below, the central dotted line represents the most expected path, while the shaded area indicates the anticipated price range. This is based on previous Hold signals with a 90% confidence level.

Full Track Record

Unlock AI-powered forecast

Closing price (USD)
Hold signals

Forecast:

1 Month
3 Months
6 Months
1 Year

CBU Average Past Performance & Win Rate

Three months after its 991 Hold signals since July 2026, CBU had an average performance of xxxxxx and a xxxxxx Win rate (positive performance).

991 Past CBU Hold Signals	1 Month Later	3 Months Later	6 Months Later	1 Year Later
Average Performance				+2.61%
Average Alpha				-13.29%
Win Rate (% Positive Perf.)				52.50%
% Positive Alpha				31.94%

CBU Frequently Asked Questions

Will Community Financial System stock go up?
According to Danelfin AI, Community Financial System has today an AI Score of 4/10 (Hold rating), because its probability of beating the market in 3 months (50.41%) is -0.41% vs. the average probability (50.82%) of all US-listed stocks.
What is the target price for Community Financial System stock?
Is it a good time to buy, sell, or hold Community Financial System stock right now?
Is Community Financial System undervalued right now?
What was the price range of Community Financial System stock over the past 12 months?
What is going on with Community Financial System stock in the last 3 months?
Does Community Financial System offer dividend payments?
What is the current market capitalization of Community Financial System?
When is the next CBU earnings report date?

Community Financial System Inc Company Profile

Community Bank System, Inc., a bank holding company, governs Community Bank, N.A. which offers a variety of banking and financial services to a broad spectrum of customers including retail, commercial, institutional and municipal entities. Operations are conducted through three distinct segments: Banking, Employee Benefit Services, and All Other.

On the deposit front, the company provides both interest bearing and non-interest-bearing options including checking accounts, savings accounts along with an array of time deposits choices. These financial products attend specifically to consumer preferences for monetary flexibility and growth.

In terms of loans category portfolio, it caters to different market needs from consumer mortgages to business-oriented commercial property mortgages. It also includes provisions such as paycheck protection program loans; purchase loans secured via assets like automobiles or other recreational vehicles; personal installment loans and a unique check credit line system for consumers; as well as an assortment of home equity products.

The company also extends its reach into broker-dealer services and investment counseling. Adaptive cash management strategies paired with extensive investment insight strengthens financial outcomes for its clientele. Asset control offerings are included in the mix along with specialized employee benefit facilities.

Furthermore, Community Bank operates a comprehensive insurance agency that delivers plans that encompass both personal and commercial coverage apart from risk management products and solutions.

Expansion into contribution plan administration, retirement solution consultation alongside real estate investment ventures cement this organization's diversity in services. The necessity for meticulous health consulting is addressed through specialized offerings in the field.

Additionally, wealth management advice complemented by retirement planning assistance ensures clients have expert guidance on their path to financial independence. More than just asset management – they provide tools for higher education planning with varied investment possibilities such as stocks, bonds, mutual funds inclusive of insurance advisory support. This full circle approach to recordkeeping substantiates their commitment to professional-grade financial facilitation.

Established back in 1866 and centrally located in DeWitt New York - Community Bank System Inc’s legacy continues to provide extensive, future-focused financial services.

Sector:
Country:United States
Industry:
Address:5790 Widewaters Pkwy, DeWitt
Employees:2,853
Website:communityfinancialsystem.com

Pros

Deep local market knowledge and customer relationships

Relationship-based lending fostering customer loyalty

Stable, lower-cost local deposit funding base

Agile adaptation to regional regulatory environments

Niche market specialization for targeted service delivery

Cons

Geographic concentration risk to regional economic shifts

Pros

Cons

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CBU Stock AI Analysis