Three independent discounted-cash-flow-style models value Community Financial System, Inc. every trading day. 1 of 3 currently price CBU above its market price.
| Free Cash Flow model | $28.30 |
| Excess Profit model | $79.34 |
| Residual Earnings model | $14.71 |
| Dividend Discount model | $37.02 |
| Piotroski F-Score | 7 / 9 |
| Return on invested capital | +10.8% |
| Net debt / EBITDA | -1.0× |
| Gross margin | +100.0% |
| Revenue CAGR | +22.6% |
| Cash conversion | 1.4× |
| Dividend yield | +3.2% |
| Buyback yield | +0.1% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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