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Community Financial System, Inc. CBU R2K

Financial Services · Banks - Regional · United States
https://communityfinancialsystem.com
Company Profile ↓
$68.76
+21.51% 1Y
Mkt Cap$3.61B
P/E16.69
P/B1.76
Div. Yield2.78%
52W High$68.76
52W Low$49.89
Book Value$38.52
EPS (TTM)$4.12

Company Overview

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 16.7.

Healthy Margins

Maintains a net profit margin of 26.8%.

Dividend Income

Offers a dividend yield of 2.78%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $818.01M (+9.6% YoY); net profit $210.46M.
  • Trailing 12 Months Year-on-year growth — revenue +9.5%, earnings +16.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 6.4%, profit CAGR 8.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:6.39%
1 Year:9.50%

Compounded Profit Growth

5 Years:8.34%
1 Year:16.10%

Stock Price Performance

1 Year:+21.51%
6 Months:+14.65%
3 Months:+11.71%
1 Month:+4.64%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$49.89 $68.76
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)63.16 · Neutral
Price Performance
1M+4.64%
3M+11.71%
6M+14.65%
1Y+21.51%
Valuation vs Sector

P/E of 16.69 is above the sector median of 13.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 26.8%.
  • Attractive dividend yield of 2.78%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
16.69
Industry PE
13.52
Forward P/E
12.83
PEG Ratio
2.62
Book Value
$38.52
Price to Book
1.76
P/S
4.38
EV/EBITDA
-
Dividend Yield
2.78%

Growth (CAGR)

Revenue 5Y
6.39%
Profit 5Y
8.34%
Revenue (YoY)
9.50%
Earnings (YoY)
16.10%

Profitability & Returns

ROCE
-
ROE
11.30%
ROA
1.26%
Profit Margin
26.76%
Op Margin
38.19%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.08
EPS (TTM)
$4.12

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$653.97M
Total Assets
$17.74B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.75%
Chg in Prom Hold
-0.02%
FII / Inst Holding
79.24%
Chg in FII Hold
-0.03%

Financial Snapshot

Enterprise Value
$3.61B
Total Revenue (TTM)
$814.75M
EBITDA
-
Free Cash Flow
$233.33M
Operating Cash Flow
$310.91M
Shares Outstanding
52.55M
Gross Margin
0.00%
Payout Ratio
45.39%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CBU Community Financial System, Inc. R2K 68.76 16.69 $3.61B 2.78% - 11.30% 6.39% 8.34%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ---------------------------300.00K300.00K200.00K---177.28M183.80M188.94M196.25M199.26M207.05M213.29M
Net Income 20.24M21.12M21.99M22.17M23.68M22.37M22.30M23.84M25.02M24.40M25.86M27.16M26.26M17.19M35.24M40.11M44.61M43.11M41.95M45.02M39.22M40.13M35.25M42.81M52.85M47.94M45.34M47.05M39.80M48.69M5.80M48.29M44.13M40.87M47.91M43.90M49.61M51.33M55.09M57.22M
Diluted EPS 0.500.520.540.540.570.540.540.580.600.550.580.610.570.350.680.780.860.830.800.860.750.760.660.790.970.880.830.860.730.900.110.890.820.760.910.830.930.971.041.08

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------------679.36M652.12M746.30M818.01M
Net Income 63.32M73.14M77.07M78.83M91.35M91.23M103.81M150.72M168.64M169.06M164.68M189.69M188.08M131.92M182.48M210.46M
Diluted EPS 1.892.011.931.942.222.192.323.033.243.233.083.483.462.453.443.97

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -5.44B6.49B7.50B7.10B7.49B8.55B8.67B10.75B10.61B11.41B13.93B15.55B15.84B15.56B16.39B17.30B
Total Equity 565.70M607.26M774.58M902.78M875.81M987.90M1.14B1.20B1.64B1.71B1.86B2.10B2.10B1.55B1.70B1.76B2.01B
Cash & Equivalents 361.88M211.84M324.88M228.56M149.65M138.40M153.21M173.86M221.04M211.83M205.03M1.65B1.88B209.90M190.96M197.00M301.75M
Long Term Debt ---------------990.20M-
Total Liabilities --5.71B6.59B6.22B6.50B7.41B7.47B9.11B8.89B9.56B11.83B13.45B14.28B13.86B14.62B15.30B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -94.38M108.42M103.18M-119.57M135.77M189.67M221.41M202.50M179.48M202.55M214.60M228.42M242.28M301.86M
Investing Cash Flow -207.25M-22.70M-264.26M553.26M--274.16M-122.00M131.37M17.50M-157.05M-398.72M-1.53B-2.14B335.78M-835.62M-182.10M
Financing Cash Flow -39.88M41.36M59.52M-735.35M-169.41M6.87M-273.86M-248.11M-52.25M1.66B1.56B259.22M-583.13M599.38M-15.01M
Capital Expenditure -15.72M-9.61M-10.85M-13.86M-13.38M-12.40M-12.44M-10.82M-12.65M-5.69M-14.78M-13.38M-12.92M-18.59M-20.70M-68.53M
Free Cash Flow -84.77M97.58M89.33M-107.17M123.33M178.85M208.76M196.82M164.70M189.17M201.68M209.84M221.57M233.33M
Share Buybacks --004.37M9.13M3.47M3.31M298.00K286.00K271.00K5.11M16.61M30.02M45.84M11.17M

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ------------27.7%20.2%24.5%25.7%
ROE % 10.4%9.4%8.5%9.0%9.2%8.0%8.7%9.2%9.8%9.1%7.8%9.0%12.1%7.8%10.4%10.5%
ROCE % ----------------

Shareholding Pattern

Insiders
0.75%
Institutions
79.24%
Public Float
79.84%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.30% 7.51M $510.04M
2 Neuberger Berman Group, LLC 7.07% 3.72M $252.20M
3 Vanguard Portfolio Management LLC 6.71% 3.53M $239.33M
4 State Street Corporation 5.99% 3.15M $213.85M
5 FMR, LLC 5.76% 3.03M $205.43M
6 Vanguard Capital Management LLC 4.52% 2.37M $161.16M
7 Morgan Stanley 3.54% 1.86M $126.33M
8 Dimensional Fund Advisors LP 3.46% 1.82M $123.43M
9 Geode Capital Management, LLC 2.47% 1.30M $88.09M
10 Federated Hermes, Inc. 1.44% 754.80K $51.24M

Analyst View

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Latest News

Recent headlines for CBU

Google News Mon, 15 Jun 2026

Community Financial System (CBU) Stock Valuation After Recent Gains And Conflicting P/E And DCF Signals - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxNb0EzdmY5d3Z3dms0WHlWZ2xMRjExLXBDU3hBMXRJcG9xWElkTDZXcGY5SnZ5MzUyLU91Rk43cDAzSG1GRHNlWGw1ZklNT2NYRmdBMTJUejhkQi02aEtNZm5SLVAyWjZWWUZSeHkyLVdKXzZmdkdfY0xzUm8tWjR0dU5XZEpyTnhFS0NXbG…

Google News Fri, 19 Jun 2026

Community Financial System (CBU) Stock Could Be 41% Below Fair Value After Profit Gains - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi1AFBVV95cUxNaDdPbUdQS21XQW42QXRmMzR5bXdwWU9QdFp5UUwyVnpEMnNYcjFUQmd1ZlZqVGRFY2xpSkpScERPaUxxTzE4cGJVSlZ6d0VUNGk3SDVWdG5FQmU5SnZtak1oVUZfczM4WTdlTkZEMW1TdzhuWHRQdm9jazB6eURzWW9laS1PdDBIU19taC…

Google News Mon, 29 Jun 2026

Community Financial System (NYSE: CBU) director reports sale and updated holdings - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxPTkh3STNuUFVZWWxjUkpabHJuMXVxbXVPT0dFZ2ZOUm9ZMVFyekFGckd5WG9GUEVCMnRUWVA1OWYxS0FwRG1aVzl1MC1nOU9NRzNMM2NrektHcmtrMnpwUFRwVHZsU2NGR003aFZ1dkxTSlhkZUZtMUlBbXdLZ3pmdk85bG5JMEpaTVpoVz…

Google News Fri, 03 Jul 2026

Community Financial System Director Sells 12,190 Shares. What Does This Mean for Investors? - The Motley Fool

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxQVUgwTFFTcWlacXVvYmdSWFBsNlQ2dG5ObXVjRGpxSDBkaGowdy14VjRORE5YY2JNcjBQSDVRYnpYUDY2ZjRRaVRZVHdEUlFDUnM4LWx3ZXpYMEl4TV9ES3VhR1NhWDRVUWpERjBpcUthS00waVdxb1V0dTRxMXdQOEtGdUFPdlRxMWZSWl…

Google News Wed, 29 Apr 2026

Community Bank (NYSE:CBU) Reports Sales Below Analyst Estimates In Q1 CY2026 Earnings - StockStory

<a href="https://news.google.com/rss/articles/CBMi1AFBVV95cUxNTS1MekpIbWVUTnJSUmN5WFYzSGpCZjFXc2lIcGJCTDZVNmNpX3JROXRpdnlRd01FR3pLaTdqdmp4Z2JjclM4RUM0WHBzVzUweUFzTUdqUjdUZU1Nb29GcHBRSVl5NlRJaHZLN0tSNU04bWhBTDVnZTdNUm9yb25rSDRFZFdkY2hYVzJ6SW…

Google News Mon, 06 Jul 2026

Understanding the Setup: (CBU) and Scalable Risk - Stock Traders Daily

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CBU — Frequently Asked Questions

What is the current share price of Community Financial System, Inc. (CBU)?

As of 2026-07-15 16:51 PDT, Community Financial System, Inc. (CBU) trades at $68.76 on NYSE. Its 52-week range is $49.89 to $68.76.

What is the market capitalisation of CBU?

Community Financial System, Inc. (CBU) has a market capitalisation of $3.61B on NYSE.

What is the P/E ratio of CBU?

CBU trades at a trailing price-to-earnings (P/E) ratio of 16.69. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.76.

Does CBU pay a dividend?

Community Financial System, Inc. (CBU) currently offers a dividend yield of 2.78%.

What is the return on equity (ROE) of CBU?

CBU has a return on equity (ROE) of 11.30%.

Is CBU a good stock to buy?

This page provides a data-driven analysis of Community Financial System, Inc. (CBU), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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