Sector pending / Commercial BanksUpdated 2026-05-10 22:07 UTC

FRA/CBY stock hub

FRA/CBY has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

2.9B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/CBY

In the news

Latest news · FRA/CBY

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E12.7

P25 n/aP50 n/aP75 n/a

Trailing P/E15

P25 n/aP50 n/aP75 n/a

ROE11.3

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/CBY market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

158

Groups with data

Currency

USD

Showing 158 of 158 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	2,927
Employees Change	83%
Employees Change Percent	2.84
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Commercial Banks
Last refreshed	2026-05-10
Market cap	EUR 2.9B
Price	EUR 53
Price currency	EUR
Rev Per Employee	241,418.45x
Sic	6020
Symbol	fra/CBY
Website	https://communityfinancialsystem.com/overview/default.aspx

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	6.65%
Forward P/E	12.74x
P/B ratio	1.63x
P/E ratio	15.04x
P/S ratio	4.04x
PE Ratio10 Y	19.01x
PE Ratio3 Y	16.12x
PE Ratio5 Y	17.54x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	EUR 706.6M
Net Income	EUR 189.9M
Net Income Growth	14.03%
Net Income Growth Q	15.33%
Net Income Growth3 Y	14.36%
Net Income Growth5 Y	4.36%
Pretax Margin	35.07%
Profit Margin	26.76%
Profit Per Employee	EUR 64,872
ROA	1.26
Roa5y	1.14
ROE	11.3
Roe5y	9.83

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	7.63%
Cagr1y	13.57%
Cagr3y	11.18%
Cagr5y	-1.54%
Div CAGR10	3.86%
Div CAGR3	-1.35%
Div CAGR5	2.63%
EPS Growth	14.1
EPS Growth Q	16.13
EPS Growth3 Y	14.97
EPS Growth5 Y	4.59
Revenue Growth	9.81x
Revenue Growth Q	9.54x
Revenue Growth3 Y	9.2x
Revenue Growth5 Y	6.41x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 15.4B
Cash	EUR 496.2M
Debt	EUR 561.4M
Equity	EUR 1.8B
Liabilities	EUR 13.6B
Net Cash	EUR -65.2M
Net Cash By Market Cap	EUR -2.28
Net Debt Equity	EUR 0.04
Tangible Book Value	EUR 937.3M
Tangible Book Value Per Share	EUR 17.84

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -12.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0%
Dividend Growth	-5.22%
Dividend Growth Years	0%
Dividend per share	EUR 1.61
Dividend Years	17
Dividend Yield	3.04%
Ex Div Date	2026-03-16
Last Dividend	EUR 0.41
Payout Frequency	Quarterly

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	108.52%
1Y total return	13.56%
200-day SMA	50.53
3Y total return	37.43%
50-day SMA	51.63
50-day SMA vs 200-day SMA	50over200
5Y total return	-7.47%
All Time High	71
All Time High Change	-25.35%
All Time High Date	2022-08-17
All Time Low	25.46
All Time Low Change	108.18%
All Time Low Date	2014-07-18
ATR	0.6
Ch YTD	6.43
High	53
High52	55.5
High52 Date	2026-02-17
High52ch	-4.5%
Low	53
Low52	44.8
Low52 Date	2025-08-04
Low52ch	18.3%
Ma50ch	2.65%
Price vs 200-day SMA	4.9%
RSI	51.48
RSI Monthly	52.61
RSI Weekly	53.7
Sharpe ratio	0.41x
Sortino ratio	0.82
Total Return	3.03%
Tr YTD	7.31
Tr1m	1.92%
Tr1w	-1.85%
Tr3m	-2.83%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 260.7M
Operating margin	36.89

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	52,032,813%
Shares Insiders	0.94%
Shares Institutions	80.4%
Shares Qo Q	0.04%
Shares Yo Y	0%
Short Ratio	8.43

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	2.5x
Bv Per Share	33.41
Ch10y	57.18
Ch1m	1.92
Ch1w	-1.85
Ch1y	9.96
Ch3m	-3.64
Ch3y	23.83
Ch5y	-20.9
Ch6m	9.05
Change	-1.85%
Change From Open	0
Close	54
Days Gap	-1.85
Earnings Date	2026-04-29
EPS	EUR 3.57
F Score	2
Fiscal Year End	December
Founded	1,866
Graham Number	50.8395
Graham Upside	-4.08
Income Tax	EUR 58.7M
Is Primary Listing	0
Last Earnings Date	2026-04-29
Last Report Date	2026-03-31
Lynch Fair Value	EUR 17.63
Lynch Upside	-66.75
Ma150	50.99
Ma150ch	3.94%
Ma20	53.28
Ma20ch	-0.52%
Next Earnings Date	2026-07-21
Open	53
Payment Date	2026-04-10
Price Date	2026-05-08
Ptbv Ratio	3.05
Relative Volume	20x
Revenue	706,631,808x
Tax By Revenue	8.31x
Tax Rate	23.69%
Tr6m	10.83%
Volume	0

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/CBY dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.0%

$1.61 annual per share

Payout ratio

n/a

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+2.6%

0 consecutive years of growth

Total shareholder yield

+3.0%

Next ex-dividend date: 2026-03-16

Performance

FRA/CBY stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/CBY?

Insider, institutional, and short-interest positioning.

Institutional ownership

+80.4%

Share of float held by funds and institutions

Insider ownership

+0.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/CBY momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

51.5

Neutral momentum band

Price vs 200-day MA

+4.9%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.41

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/CBY

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/CBY stock rating?

fra/CBY is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/CBY analysis?

The full report lives at /stocks/fra/CBY/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/CBY?

The latest report frames fra/CBY around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/CBY page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.