Fair value (multi-method)
Four independent methods triangulate what CBU is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$86.11
Method range
$30.47 – $86.11
median $77.31
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $86.11 | +35.41% |
| Exit multiple | $79.61 | +25.19% |
| Analyst target | $75.00 | +17.94% |
| Graham number | $30.47 | -52.09% |
- Forward DCF$86.11
- Exit multiple$79.61
- Analyst target$75.00
- Graham number$30.47
Stock price
$63.59
FCF / share (TTM)
$1.14
3Y FCF CAGR
6.2%
Fair value @ hist. growth
$25.60
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
18.1%
per year over your projection horizon
Margin of safety -148.4% vs hist-growth DCF
Historical 3Y CAGR
6.2%
Your model implies
18.1%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at 6% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 6.5% | 14.3% | 13.3% | 12.2% | 10.9% | 9.4% |
| 7.5% | 17.1% | 16.2% | 15.3% | 14.3% | 13.1% |
| 8.5% | 19.6% | 18.9% | 18.1% | 17.2% | 16.3% |
| 9.5% | 21.9% | 21.3% | 20.6% | 19.9% | 19.1% |
| 10.5% | 24.1% | 23.6% | 23.0% | 22.3% | 21.6% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
PEG
2.80
Demanding vs growth
Net debt
$445M
Total debt − cash
Beta
0.80
Vs market benchmark
Frequently asked questions
Community Bank System (CBU) Key Financials
Charts, filings, and peer comparison for every metric
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