Question 1

What is Community Bank System's P/E ratio?

Accepted Answer

Community Bank System (CBU) P/E ratio is 16.3× as of July 22, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month earnings (net income), using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/E ratio calculated?

Accepted Answer

P/E = Share Price ÷ Trailing Twelve-Month (TTM) Diluted EPS, or equivalently Market Capitalisation ÷ TTM Net Income. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/E ratio?

Accepted Answer

The price-to-earnings (P/E) ratio, also called the earnings multiple, measures how much investors pay per dollar of a company's trailing twelve-month (TTM) earnings. It is calculated as share price ÷ TTM diluted EPS (equivalent to market capitalisation ÷ TTM net income). A higher P/E implies the market is pricing in stronger future earnings growth or lower risk; a lower P/E can signal slower expected growth, higher risk, or potential undervaluation.

Question 4

What is a good P/E ratio for Community Bank System?

Accepted Answer

There is no universal "good" P/E. As a rule of thumb, the S&P 500 has historically averaged a P/E in the mid-to-high teens; mature, slow-growth businesses commonly trade in the 10–18× range, while high-growth or asset-light companies often trade at 25–50×+. What matters is the comparison to sector peers and to the company's own historical range. For Community Bank System specifically, the relevant sector benchmark is the current sector median of 13.1×.

Question 5

Is Community Bank System's P/E ratio high or low?

Accepted Answer

Community Bank System's P/E ratio of 16.3× is below its own 5-year average of 17.5× and above the sector median of 13.1×. That places the current reading at the 34th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is Community Bank System's historical P/E ratio range?

Accepted Answer

In the available daily series, Community Bank System (CBU) P/E ratio has ranged from a low of 10.6× in 2003 to a high of 28.2× in 2017. The 5-year average is 17.5× and the 5-year median is 18.0×.

Question 7

What was Community Bank System's P/E ratio in 2025?

Accepted Answer

Community Bank System (CBU) P/E ratio at the end of 2025 was 14.4×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month earnings figure available at that date.

Question 8

Why does Community Bank System's P/E ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (earnings). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$3.03B	$210M	14.4×	-3.5×	Dec 31, 2025
2024	$3.27B	$182M	17.9×	-3.2×	Dec 31, 2024
2023	$2.78B	$132M	21.1×	+2.9×	Dec 31, 2023
2022	$3.41B	$188M	18.1×	-3.3×	Dec 31, 2022
2021	$4.06B	$190M	21.4×	+0.9×	Dec 31, 2021
2020	$3.37B	$165M	20.5×	-1.5×	Dec 31, 2020
2019	$3.71B	$169M	21.9×	+4.2×	Dec 31, 2019
2018	$2.99B	$169M	17.7×	-0.4×	Dec 31, 2018
2017	$2.72B	$151M	18.1×	-8.5×	Dec 31, 2017
2016	$2.76B	$104M	26.6×	+8.3×	Dec 31, 2016
2015	$1.67B	$91.2M	18.3×	+1.3×	Dec 31, 2015
2014	$1.55B	$91.4M	17.0×	-3.3×	Dec 31, 2014
2013	$1.6B	$78.8M	20.4×	+6.3×	Dec 31, 2013
2012	$1.08B	$77.1M	14.1×	+0.1×	Dec 31, 2012
2011	$1.02B	$73.1M	14.0×	-0.5×	Dec 31, 2011
2010	$918M	$63.3M	14.5×	-0.7×	Dec 31, 2010
2009	$631M	$41.4M	15.2×	-0.8×	Dec 31, 2009
2008	$737M	$45.9M	16.0×	+2.4×	Dec 31, 2008
2007	$585M	$42.9M	13.6×	-4.4×	Dec 31, 2007
2006	$693M	$38.4M	18.1×	+4.9×	Dec 31, 2006
2005	$667M	$50.8M	13.1×	-3.9×	Dec 31, 2005
2004	$856M	$50.2M	17.1×	-0.3×	Dec 31, 2004
2003	$701M	$40.4M	17.4×	+6.5×	Dec 31, 2003
2002	$407M	$37.4M	10.9×	—	Dec 31, 2002


Ameriprise Financial (AMP)	10.6×
Auburn National Bancorporation (AUBN)	10.5×
1st Source (SRCE)	10.5×
Truist Financial (TFC)	10.4×
Eagle Financial Services (EFSI)	10.0×
Prudential Financial (PRU)	9.8×
UMB Financial (UMBF)	9.7×
T. Rowe Price (TROW)	9.6×
Old Republic International (ORI)	9.5×
First Financial (THFF)	9.3×
Globe Life (GL-PD)	9.3×
Hartford Insurance Group (HIG)	9.3×
Assured Guaranty (AGO)	8.9×
Cincinnati Financial (CINF)	8.8×
Federal Agricultural Mortgage (AGM)	8.8×
Travelers Companies (TRV)	8.4×
PayPal (PYPL)	8.2×
PSB Holdings (PSBQ)	7.5×
Arch Capital Group (ACGL)	7.1×
AXIS Capital Holdings (AXS)	7.0×
Tompkins Financial (TMP)	6.7×
Everest Group (EG)	6.5×
Mercury General (MCY)	5.8×
Allstate (ALL)	4.4×
Atlantic Union Bankshares (AUB)	0.0×

P/E Ratio for Community Bank System (CBU) 2002-2026

P/E Ratio daily chart for Community Bank System (CBU)

Historical P/E Ratio for Community Bank System (CBU) from 2002 to 2025

About P/E Ratio at Community Bank System (CBU)

Community Bank System P/E Ratio by Year

Community Bank System P/E Ratio 2025: 14.4×

Community Bank System P/E Ratio 2024: 17.9×

Community Bank System P/E Ratio 2023: 21.1×

Community Bank System P/E Ratio 2022: 18.1×

Community Bank System P/E Ratio 2021: 21.4×

Sector peers by P/E Ratio — chart

Sector peers by P/E Ratio — table

Frequently asked questions

Community Bank System (CBU) Key Financials