Community Financial System - CBU Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization

Graphic logo of Community Bank System (CBU)

The current EV/EBITDA multiple dynamics of Community Financial System (CBU) correlate with its dominance in rural New York areas and low cost of liabilities. Profits are driven by small business lending and fee income, while reliable IT infrastructure providers ensure operational stability. This parameter equals 0.00, which helps identify the true asset value trend by smoothing out market noise.

CBU Community Bank: Total Company Value to Operating Income Before Depreciation Ratio in the range 11/23/2025 - 11/10/2026

CBU (cbna.com): analytical breakdowns and indicator data

Analysis of all company metrics:CBU (Community Bank System)
Original product of Community Financial System, Inc.

For the financial holding company Community Financial System (CBU), which is expanding its network through acquisitions, this indicator is critical as it compares the total enterprise value with its operating profit before interest and taxes. By analyzing the EV/EBITDA multiple of Community Financial System (CBU), an investor assesses the efficiency of integrating new assets and the risks of overpaying for capital during periods of low metric volatility.

Competitors of Community Financial System (CBU)

Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization BancFirst Oklahoma BANF|TFSL: Enterprise Value to Operating Income Before Depreciation|TOWN - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|NBTB - EV/EBITDA Multiple|First Bank (FBNC) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|SYBT - Total Company Value to Operating Income Before Depreciation Ratio|DCOM (Dime Community Bancshares Inc) - EV/EBITDA Multiple|Enterprise Value to EBITDA Ratio Bank First Corporation Inc. (BFC)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Community Trust Bancorp (CTBI)|BHRB - Company Value to EBITDA|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Southside Bank SBSI|EQBK - Enterprise Value to EBITDA Ratio|CCNE - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Capital City Financial (CCBG) - Enterprise Value to EBITDA Ratio|TRST (TrustCo Bank Corp NY) - Enterprise Value to EBITDA Ratio|htb.com (HTB) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Mid Penn Bank|Enterprise Value to Operating Income Before Depreciation FSBC (Five Star Bancorp Inc.)|EV/EBITDA Multiple ORRF|Total Company Value to Operating Income Before Depreciation Ratio NB Bancorp Corp|First Community Bankshares - Enterprise Value to EBITDA Ratio|Enterprise Value to Operating Income Before Depreciation Ratio IBCP (independentbank.com)|SPFI: Enterprise Value to EBITDA Ratio|Company Value to EBITDA Northpointe Bancshares Inc.|SMBC (Southern Missouri Bancorp Inc) - Enterprise Value to EBITDA Ratio|Heritage Commerce Inc - Business Value to Operating Income Before Depreciation|HIFS (Hingham Savings Bank) - EV/EBITDA Multiple|harborone.com - Company Value to Operating Income Before Depreciation Ratio|EV/EBITDA Multiple SHBI|Total Company Value to Operating Income Before Depreciation Ratio Third Coast Bancshares, Inc.|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Farmers National Banc Corp FMNB|BHB: Enterprise Value to Operating Income Before Depreciation|Unity Bancorp, Inc. - EV/EBITDA Multiple|PFIS - EV/EBITDA Multiple|Peapack-Gladstone Bank (PGC) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Enterprise Value to Operating Income Before Depreciation NFBK|ACNB (ACNB Corporation Inc.) - EV/EBITDA Multiple|Enterprise Value to EBITDA Ratio Flushing Financial Corp. (FFIC)|EV/EBITDA Multiple BWB|Total Company Value to Operating Income Before Depreciation Ratio bank7.com|EV/EBITDA Multiple COFS (ChoiceOne Financial Services, Inc.)|EV/EBITDA Multiple Carter Bank & Trust CARE|HBCP - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|KRNY: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FRBA (First Bank) - Enterprise Value to EBITDA Ratio|Community West Bank - Business Value to Operating Income Before Depreciation|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Civista Bancshares, Inc.|Bank of Greene County (GCBC) - Total Company Value to Operating Income Before Depreciation Ratio|Enterprise Value to EBITDA Ratio BMRC (Bank of Marin Corp)|BRBS - Company Value to EBITDA|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Ponce Financial Group PDLB|Total Company Value to Operating Income Before Depreciation Ratio fm.bank (FMAO)|OBT: Enterprise Value to EBITDA Ratio|West Bank - Enterprise Value to Operating Income Before Depreciation Ratio|PBFS: EV/EBITDA Multiple|Company Value to EBITDA BayCom Financial (BCML)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Avidia Bancorp Inc|Enterprise Value to EBITDA Ratio fsbwa.com (FSBW)|EV/EBITDA Multiple CZNC|Enterprise Value to EBITDA Ratio paccity.net PCB|EV/EBITDA Multiple CBAN (Colony Bank)|Plumas Bancorp Inc. - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FNLC: Enterprise Value to EBITDA Ratio|NECB - EV/EBITDA Multiple|johnmarshallbank.com (JMSB) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|TSBK (Timberland Bank) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Waterstone Financial Inc.|Company Value to EBITDA LINKBANK Corp LNKB|EV/EBITDA Multiple PKBK|Enterprise Value to EBITDA Ratio bankatfidelity.com FDBC|EV/EBITDA Multiple MBCN (Middlefield Bank)|EV/EBITDA Multiple Chemung Financial CHMG|WNEB - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|NWFL: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FVCB (FVCBankcorp, Inc.) - Enterprise Value to EBITDA Ratio|bankwithfidelity.com - Business Value to Operating Income Before Depreciation|OVLY (Oak Valley Community Bank) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization PVBC|EV/EBITDA Multiple LCNB|EV/EBITDA Multiple firstcommunitysc.com (FCCO)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Princeton Bancorp BPRN|HWBK: Enterprise Value to Operating Income Before Depreciation|FRAF - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|VABK - EV/EBITDA Multiple|myopenbank.com (OPBK) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FXNC - Total Company Value to Operating Income Before Depreciation Ratio|CBNA (Chain Bridge Bank) - EV/EBITDA Multiple|Enterprise Value to EBITDA Ratio Bank of Clarke County (EFSI)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Blue Foundry Bancorp (BLFY)|FSFG - Company Value to EBITDA|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Ames National Corporation ATLO|PEBK - Enterprise Value to EBITDA Ratio|CBFV - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|bayvanguard.com (BVFL) - Enterprise Value to EBITDA Ratio|UBFO (unitedsecuritybank.com) - Enterprise Value to EBITDA Ratio|MainStreet Bancshares Inc. (MNSB) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Hanover Bank|Enterprise Value to Operating Income Before Depreciation CZWI (Citizens Community Bancorp, Inc)|EV/EBITDA Multiple CFBK|Total Company Value to Operating Income Before Depreciation Ratio firstbankrichmond.com|First Capital - Enterprise Value to EBITDA Ratio|Enterprise Value to Operating Income Before Depreciation Ratio BCBP (BCB Bancorp Inc.)|ECBK: Enterprise Value to EBITDA Ratio|Company Value to EBITDA Eagle Bancorp Montana|FNWD (ibankpeoples.com) - Enterprise Value to EBITDA Ratio|Rhinebeck Bancorp - Business Value to Operating Income Before Depreciation|SBFG (State Bank and Trust Company) - EV/EBITDA Multiple|Affinity Bancshares Inc. - Company Value to Operating Income Before Depreciation Ratio|EV/EBITDA Multiple FGBI|Total Company Value to Operating Income Before Depreciation Ratio somersetsavings.com|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Bogota Financial Corp. BSBK|UNB: Enterprise Value to Operating Income Before Depreciation|Sound Financial Bancorp, Inc. - EV/EBITDA Multiple|MGYR - EV/EBITDA Multiple|Riverview Bancorp Inc (RVSB) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Enterprise Value to Operating Income Before Depreciation LSBK|PBHC (Pathfinder Bancorp, Inc.) - EV/EBITDA Multiple|Enterprise Value to EBITDA Ratio CFSB Bancorp Inc (CFSB)|EV/EBITDA Multiple AUBN|Total Company Value to Operating Income Before Depreciation Ratio iroquoisfed.com|EV/EBITDA Multiple UBCP (United Bancorp)|EV/EBITDA Multiple Summit State Bank Inc SSBI|FDSB - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FUSB: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|BOTJ (bankofthejames.bank) - Enterprise Value to EBITDA Ratio|Central Plains Bancshares Inc. - Business Value to Operating Income Before Depreciation|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Broadway Federal Bank|NSTS Bancorp Inc. (NSTS) - Total Company Value to Operating Income Before Depreciation Ratio|Enterprise Value to EBITDA Ratio CLST (Catalyst Bancorp, Inc.)|FSEA - Company Value to EBITDA|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization AmeriServ Financial, Inc. ASRV|Total Company Value to Operating Income Before Depreciation Ratio PB Bankshares (PBBK)|OPHC: Enterprise Value to EBITDA Ratio|Texas Community Bank - Enterprise Value to Operating Income Before Depreciation Ratio|HFBL: EV/EBITDA Multiple|Company Value to EBITDA BayFirst Financial (BAFN)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Marathon Bancorp|Enterprise Value to EBITDA Ratio Kentucky First Federal Bancorp Inc. (KFFB)|EV/EBITDA Multiple GLBZ|Enterprise Value to EBITDA Ratio carverbank.com CARV|EV/EBITDA Multiple BRKL (Brookline Bancorp, Inc.)|Enterprise Bancorp, Inc. - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|ESSA: Enterprise Value to EBITDA Ratio|EVBN - EV/EBITDA Multiple|thefirstbank.com (FBMS) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|FLIC (The First of Long Island Corporation) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization HMN Financial, Inc.|Company Value to EBITDA HomeTrust Bancshares Inc. HTBI|EV/EBITDA Multiple IBTX|Enterprise Value to EBITDA Ratio Macatawa Bank Corp MCBC|EV/EBITDA Multiple OPOF (Old Point Financial Corp)|EV/EBITDA Multiple Penns Woods Bank PWOD|SASR - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|TBNK: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|VBFC (Village Bank and Trust Financial Corp.) - Enterprise Value to EBITDA Ratio|williampenn.bank - Business Value to Operating Income Before Depreciation|BCOW (PyraMax Bank) - EV/EBITDA Multiple|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization SSBK