Community Financial System Inc Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $62.32median of 2 methodsbased on filings through 30 Jun 2026
Market Price $59.93Price as of 1 Oct 2026
Valuation methods vs. Market Price
$0$20$40$60$80$100
DCF
$85.99
DNI
$79.51
P/S
$61.23◇ $200.94
P/E
$68.83◇ $59.64
P/B
$55.80◇ $30.45
PEG
$40.86
$0$20$40$60$80$100
Market Price ($59.93) Intrinsic Value ($62.32) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 12.7% (near-term consensus, capped) · years 2–5: 1.3%/yr (balance of the path). | 3.5% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 61.7%Yr 72.2%Yr 82.6%Yr 93.1%Yr 103.5% | 1.3% → 3.5% |
Years 11–20: glide to long-run ratePer-year ratesYr 113.5%Yr 123.4%Yr 133.4%Yr 143.3%Yr 153.3%Yr 163.2%Yr 173.2%Yr 183.1%Yr 193.1%Yr 203.0% | 3.5% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 3 windows (5/6/7y) | 3.5% |
| Discount rate (cost of equity) | 8.8% |
| Volatility vs market (adjusted beta) | 0.85 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.