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)
$85.22
Method range
$30.47 – $85.22
median $77.21
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 | $85.22 | +26.80% |
| Exit multiple | $79.43 | +18.18% |
| Analyst target | $75.00 | +11.59% |
| Graham number | $30.47 | -54.67% |
- Forward DCF$85.22
- Exit multiple$79.43
- Analyst target$75.00
- Graham number$30.47
Stock price
$67.21
FCF / share (TTM)
$1.14
3Y FCF CAGR
6.2%
Fair value @ hist. growth
$25.33
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
19.0%
per year over your projection horizon
Margin of safety -165.3% vs hist-growth DCF
Historical 3Y CAGR
6.2%
Your model implies
19.0%
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% |
|---|---|---|---|---|---|
| 6.6% | 15.2% | 14.2% | 13.0% | 11.8% | 10.3% |
| 7.6% | 18.0% | 17.1% | 16.2% | 15.2% | 14.0% |
| 8.6% | 20.5% | 19.8% | 19.0% | 18.1% | 17.2% |
| 9.6% | 22.9% | 22.2% | 21.5% | 20.8% | 20.0% |
| 10.6% | 25.1% | 24.5% | 23.9% | 23.2% | 22.5% |
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
0.79
Vs market benchmark
Frequently asked questions
Community Bank System (CBU) Key Financials
Charts, filings, and peer comparison for every metric
Explore more
Deep-dives across the income statement, cash flow, capital return, and valuation
- Buybacks0.86% TTM
- Dividend Profile2.80% yield
- Dividend Calculator
- Dividend Forecast
- Dividend Capture
- Stock Split History3 splits
How this company returns cash to shareholders — buybacks, dividends, and stock splits.