Community Financial (CBU) Fundamental Analysis: Revenue, Earnings & Valuation

3.91 / 10

Netural

Fundamental rating is Neutral (3.9/10). Strengths include a 48.3% gross margin and solid revenue‑to‑market value, while PB‑ROE is negative and profit‑to‑market value is weak, indicating sub‑par valuation and earnings quality.

Analysis Checks(7/10)

Revenue-MV

Value-0.53

Score2/3

Weight13.54%

1M Return6.11%

Gross profit margin (%)

Value48.34

Score3/3

Weight6.90%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight6.90%

1M Return3.48%

Profit-MV

Value1.13

Score1/3

Weight9.48%

1M Return4.81%

Net income-Revenue

Value0.58

Score1/3

Weight9.78%

1M Return4.28%

PB-ROE

Value-0.89

Score1/3

Weight8.12%

1M Return4.23%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight6.90%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.90%

1M Return3.48%

Asset-MV

Value-0.55

Score2/3

Weight15.92%

1M Return7.16%

Cash-MV

Value-0.01

Score3/3

Weight15.57%

1M Return6.86%

Is CBU undervalued or overvalued?

CBU scores 3.91/10 on fundamentals and holds a Fair valuation at present. Backed by its 11.12% ROE, 25.73% net margin, 14.29 P/E ratio, 1.49 P/B ratio, and 15.70% earnings growth, these metrics solidify its Netural investment rating.