Is Community Bank System, Inc. overvalued or undervalued?

As of 12 May 2025, the valuation grade for Community Bank System, Inc. has moved from fair to expensive, indicating that the company is currently overvalued. The key ratios include a P/E ratio of 16, a Price to Book Value of 1.64, and an EV to EBITDA of 13.16. Compared to peers, UMB Financial Corp. has a P/E of 19.78, while Old National Bancorp stands at 13.15, suggesting that Community Bank System, Inc. is trading at a premium relative to some of its competitors.
The company's recent performance shows a year-to-date return of -9.52%, contrasting with a 2.44% gain in the S&P 500, further reinforcing the notion that the stock may be overpriced. Given these factors, Community Bank System, Inc. appears to be overvalued in the current market environment.