Community Financial System

Community Financial System EV/EBIT

The EV/EBIT (Enterprise Value to EBIT) of Community Financial System (CBU) as of Oct 10, 2026 is 12.69. In the previous year, EV/EBIT (Enterprise Value to EBIT) was 14.76 — a change of -14.05% (lower).

EV/EBIT

12.69

YoY

-14.05%

Last updated:

EV/EBIT (Enterprise Value to EBIT) of Community Financial System is 2025 12.69 . EV/EBIT (Enterprise Value to EBIT) of Community Financial System was 2024 14.76 . It decreases by -14.05% lower compared to the previous year.

The Community Financial System EV/EBIT history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EV/EBIT
Date
EV/EBIT
Jan 1, 2018
16.40 USD
Jan 1, 2019
16.69 USD
Jan 1, 2020
16.95 USD
Jan 1, 2021
14.48 USD
Jan 1, 2022
14.54 USD
Jan 1, 2023
20.77 USD
Jan 1, 2024
14.76 USD
Jan 1, 2025
12.69 USD
The Community Financial System EV/EBIT history
YEAREV/EBITYoY
12.69-14.05%
14.76-28.93%
20.77+42.85%
14.54+0.43%
14.48-14.61%
16.95+1.58%
16.69+1.74%
16.40-24.89%
21.84-3.36%
22.60-14.48%
26.42-1.91%
26.94—
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Community Financial System Valuation

Details

Historical Valuation Multiples

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Price-to-Earnings Ratio (P/E)

The P/E ratio divides Community Financial System's share price by its earnings per share. It tells you how many years of current earnings you are "paying for" when you buy the stock. A P/E of 20 means you pay $20 for every $1 of annual earnings. The S&P 500 historically trades at an average P/E of roughly 15–17. A P/E significantly above that may signal high growth expectations; one below may indicate undervaluation — or declining business quality.

Price-to-Sales Ratio (P/S)

The P/S ratio divides market capitalization by total revenue. Unlike the P/E ratio, it works even for companies that are not yet profitable, making it essential for evaluating high-growth firms. A P/S below 1.0 may indicate undervaluation, while ratios above 10 are typically reserved for fast-growing tech or SaaS companies with high expected future margins.

Price-to-EBIT Ratio

This ratio relates Community Financial System's market price to its operating earnings, excluding the effects of debt structure and tax jurisdiction. It is particularly useful for comparing companies across different countries or with different levels of leverage, because it focuses purely on operational profitability. Lower values suggest cheaper operational earnings.

How to Use This Chart

This chart plots Community Financial System's valuation multiples over time. Compare the current P/E, P/S, and P/EBIT to their own historical averages — if the current ratio is well below the multi-year average, the stock may be relatively cheap compared to its own track record. Combine this with industry comparisons: a P/E that looks high in absolute terms may be justified if Community Financial System grows earnings faster than its peers.

Community Financial System Stock analysis

What does Community Financial System do? Community Bank System Inc is a US financial company based in DeWitt, New York. The company was founded in 1866 and has since become a leading regional bank holding company with assets of over $13 billion. The history of Community Bank System Inc dates back to the 19th century when it was established as a small credit union in New York. Over the years, the company has steadily evolved and expanded, ultimately becoming one of the largest financial companies in the region. The business model of Community Bank System Inc is based on building long-term relationships with their customers, based on trust and integrity. The company offers a wide range of financial products and services tailored to the needs and requirements of their customers. The company strives to provide its customers with easy access to financial services. Community Bank System Inc operates in various segments, including retail banking, commercial banking, and capital markets. Offered products include deposits, loans, mortgages, investment products, credit cards, and online banking services. The company also offers specialized services such as insurance and asset management. Another important aspect of Community Bank System Inc's business model is its proximity to customers and the community. The company has a strong presence in the region and focuses on supporting local projects and initiatives to improve quality of life in communities. Community Bank System Inc has earned a reputation as a trusted financial service provider in the region. The company has received numerous awards and accolades, including recognition for its quality in customer service. Overall, Community Bank System Inc is a successful financial company built on a strong history and proven business model. The company is well-positioned to continue growing in the region and support its customers in managing their finances and achieving their goals. Community Financial System is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Community Financial System stock

EV/EBIT (Enterprise Value to EBIT) of Community Financial System is 12.69 in 2025.

EV/EBIT (Enterprise Value to EBIT) of Community Financial System changed from 14.76 to 12.69, representing a -14.05% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EV/EBIT (Enterprise Value to EBIT) Community Financial System since 2006 – with annual values, charts, and detailed analysis.

The EV/EBIT ratio measures a company's enterprise value relative to its operating earnings. It accounts for debt, making it useful for comparing companies with different capital structures.

EV/EBIT = Enterprise Value / Earnings Before Interest and Taxes

To evaluate EV/EBIT (Enterprise Value to EBIT)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EV/EBIT (Enterprise Value to EBIT).

A 'good' varies by industry and company stage. On Eulerpool, you can compare EV/EBIT (Enterprise Value to EBIT)'s Community Financial System with sector peers and the industry average to assess whether it is attractive.

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Valuation — Community Financial System

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