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CBU Community Bank System, Inc.
Banks, Insurers & Asset Managers
B- 67.7 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
C- 45

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 63.7%
  • Efficiency Ratio Trend +0.34 pp/yr

Capital Efficiency

Weight: 15%
B- 63
  • 5yr Avg ROE 10.0%
  • 5yr Share-Count CAGR -0.2%

Growth Quality

Weight: 15%
B 70

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 10.4%
  • Efficiency Ratio Trend (growth quality check) +0.34 pp/yr
  • Revenue-Growth Years (5) 5/5

Cash Generation

Weight: 15%
B 73

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.03

Balance Sheet

Weight: 20%
A- 85

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 11.5%

Stability

Weight: 10%
A 88
  • EPS Volatility (σ/μ) 0.18
  • Negative-Revenue Years (5) 0/5
  • Piotroski F-Score 9

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Insufficient Data

Not enough curated-guru data to call a flow.

As of Q2 2026