CBU
Community Bank System
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: CBU
- PE Ratio
The current P/E ratio for Community Bank System stock as of Jun 22, 2026 is 15.41. This is calculated based on the TTM EPS of $4.12 and the stock price of $63.5 per share. The PE ratio has increased by 4.1% from its last 4 quarters average of 14.8.
CBU PE ratio history
The average historical PE ratio of Community Bank System for the last ten years is 18.81. The current price-to-earnings ratio of 15.41 is 18% less than the historical average. Analyzing the last ten years, CBU's PE ratio reached its highest point in the Dec 2016 quarter at 26.41, when the price was $61.79 and the EPS was $2.34. The lowest point was recorded in the Mar 2026 quarter, when it reached 14.24 with a price of $58.65 and an EPS of $4.12.
Community Bank System PE ratio by year
Maximum annual increase: 46.15% in 2016
Maximum annual decrease: -33.7% in 2017
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 14.43 | -19.52% | $57.44 | $3.98 |
| 2024 | 17.93 | -15.7% | $61.68 | $3.44 |
| 2023 | 21.27 | 17.58% | $52.11 | $2.45 |
| 2022 | 18.09 | -14.75% | $62.95 | $3.48 |
| 2021 | 21.22 | 5.57% | $74.48 | $3.51 |
| 2020 | 20.1 | -7.63% | $62.31 | $3.1 |
| 2019 | 21.76 | 22.45% | $70.94 | $3.26 |
| 2018 | 17.77 | 1.48% | $58.3 | $3.28 |
| 2017 | 17.51 | -33.7% | $53.75 | $3.07 |
| 2016 | 26.41 | 46.15% | $61.79 | $2.34 |
| 2015 | 18.07 | 6.17% | $39.94 | $2.21 |
| 2014 | 17.02 | -15.91% | $38.13 | $2.24 |
| 2013 | 20.24 | 44.26% | $39.68 | $1.96 |
| 2012 | 14.03 | 2.48% | $27.36 | $1.95 |
| 2011 | 13.69 | -5.85% | $27.8 | $2.03 |
Community Bank System PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 14.24 | -1.32% | $58.65 | $4.12 |
| Dec 2025 | 14.43 | -4.25% | $57.44 | $3.98 |
| Sep 2025 | 15.07 | -2.46% | $58.64 | $3.89 |
| Jun 2025 | 15.45 | -1.65% | $56.87 | $3.68 |
| Mar 2025 | 15.71 | -12.38% | $56.86 | $3.62 |
| Dec 2024 | 17.93 | -3.03% | $61.68 | $3.44 |
| Sep 2024 | 18.49 | 22.61% | $58.07 | $3.14 |
| Jun 2024 | 15.08 | -2.01% | $47.21 | $3.13 |
| Mar 2024 | 15.39 | -27.64% | $48.03 | $3.12 |
| Dec 2023 | 21.27 | 41.05% | $52.11 | $2.45 |
| Sep 2023 | 15.08 | -7.37% | $42.21 | $2.8 |
| Jun 2023 | 16.28 | -15.65% | $46.88 | $2.88 |
| Mar 2023 | 19.3 | 6.69% | $52.49 | $2.72 |
| Dec 2022 | 18.09 | -0.06% | $62.95 | $3.48 |
| Sep 2022 | 18.1 | -6.75% | $60.08 | $3.32 |
CBU Price vs fair value
CBU average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of CBU is under its 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 15.41, CBU stands higher than the Financial Services sector, the industry and its peers average. Looking at the Financial Services sector average of 12.78, Community Bank System's price to earnings (P/E) is 21% higher.
CBU PE vs peers
CBU's PE ratio is less than its peer stock CHMG, but it is above NBTB's and TMP's. Community Bank System's current PE ratio of 15.41 is more than the average of its peers, which is 12.47.
| Stock name | PE ratio | Market cap |
|---|---|---|
| TMP Tompkins Financial Corp | 7.82 | $1.32B |
| FISI Financial Institutions Inc | 9.92 | $755.96M |
| AROW Arrow Financial Corp | 12.93 | $660.33M |
| NBTB Nbt Bancorp Inc | 13.59 | $2.5B |
| CBU Community Bank System Inc | 15.67 | $3.39B |
| CHMG Chemung Financial Corp | 19.42 | $354.74M |
Frequently asked questions
What is Community Bank System's PE ratio?
As of Jun 22, 2026, CBU stock has a price to earnings ratio of 15.41.
What is the 3-year average PE ratio for Community Bank System (CBU)?
As an average over the last 3 years, CBU stock has a PE ratio of 16.2.
What is the 5-year average PE ratio for Community Bank System (CBU)?
As an average over the last 5 years, CBU stock has a PE ratio of 17.58.
What is the highest PE ratio for CBU?
Over the last ten years, the Dec 2016 quarter recorded the highest quarterly PE ratio at 26.41.
How does the current PE ratio for CBU compare to its historical average?
The current PE ratio of CBU is 18% lower than the 10-year historical average.
How is CBU's PE ratio calculated (Community Bank System PE ratio formula)?
The P/E ratio is calculated by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jun 22, 2026), Community Bank System's share price is $63.5. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $4.12. Therefore, Community Bank System's price to earnings ratio for today is 15.41. PE RATIO(15.41) = STOCK PRICE($63.5) / TTM EPS($4.12)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.