Symbols / CBU $57.40 -1.30%
CBU Chart
About
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 Dewitt, New York.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Banks - Regional | Market Cap | 3.03B |
| Enterprise Value | 3.52B | Income | 211.33M | Sales | 796.66M |
| Book/sh | 38.08 | Cash/sh | 5.87 | Dividend Yield | 3.22% |
| Payout | 46.85% | Employees | 2853 | IPO | — |
| P/E | 14.46 | Forward P/E | 10.74 | PEG | — |
| P/S | 3.80 | P/B | 1.51 | P/C | — |
| EV/EBITDA | — | EV/Sales | 4.42 | Quick Ratio | — |
| Current Ratio | — | Debt/Eq | — | LT Debt/Eq | — |
| EPS (ttm) | 3.97 | EPS next Y | 5.34 | EPS Growth | 9.70% |
| Revenue Growth | 10.70% | Earnings | 2026-05-05 | ROA | 1.25% |
| ROE | 11.17% | ROIC | — | Gross Margin | 0.00% |
| Oper. Margin | 34.95% | Profit Margin | 26.42% | Shs Outstand | 52.72M |
| Shs Float | 52.26M | Short Float | 4.93% | Short Ratio | 7.39 |
| Short Interest | — | 52W High | 67.50 | 52W Low | 49.44 |
| Beta | 0.79 | Avg Volume | 240.47K | Volume | 41.91K |
| Target Price | $68.33 | Recom | None | Prev Close | $58.15 |
| Price | $57.40 | Change | -1.30% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$68.33
Mean price target
2. Current target
$57.40
Latest analyst target
3. DCF / Fair value
$59.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$57.40
Low
$62.00
High
$73.00
Mean
$68.33
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-25 | init | DA Davidson | — → Neutral | $72 |
| 2026-01-13 | down | Janney Montgomery Scott | Buy → Neutral | — |
| 2025-10-23 | reit | Keefe, Bruyette & Woods | Market Perform → Market Perform | $66 |
| 2025-07-23 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $67 |
| 2025-01-22 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $76 |
| 2024-12-04 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $74 |
| 2024-10-28 | up | Raymond James | Market Perform → Strong Buy | $67 |
| 2024-09-10 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $59 |
| 2024-03-14 | main | DA Davidson | Neutral → Neutral | $50 |
| 2024-01-05 | main | Raymond James | Outperform → Outperform | $55 |
| 2023-10-25 | main | Piper Sandler | Underweight → Underweight | $38 |
| 2023-10-25 | main | Raymond James | Outperform → Outperform | $45 |
| 2023-08-01 | main | Raymond James | Outperform → Outperform | $60 |
| 2023-06-28 | up | Hovde Group | Market Perform → Outperform | — |
| 2023-06-06 | up | Raymond James | Market Perform → Outperform | $55 |
| 2023-04-26 | main | Piper Sandler | — → Underweight | $50 |
| 2023-04-06 | main | Keefe, Bruyette & Woods | — → Market Perform | $57 |
| 2023-03-14 | init | Janney Montgomery Scott | — → Buy | $66 |
| 2022-12-21 | init | Raymond James | — → Market Perform | — |
| 2022-05-02 | down | Piper Sandler | Neutral → Underweight | $66 |
News
RSS: Latest CBU news- Community Financial System Breaks Below 200-Day Moving Average - Notable for CBU - Nasdaq Fri, 06 Mar 2026 15
- Citigroup Inc. Lowers Stock Position in Community Financial System, Inc. $CBU - MarketBeat Sat, 07 Mar 2026 08
- Insider Sale: EVP of $CBU Sells 3,450 Shares - Quiver Quantitative Wed, 04 Mar 2026 17
- Community Financial sets 3.08% cash payout for April 10 - Stock Titan Wed, 21 Jan 2026 08
- Liquidity Mapping Around (CBU) Price Events - Stock Traders Daily Fri, 06 Mar 2026 19
- Gillan-Myer sells Community Financial (CBU) shares for $203,053 - Investing.com Wed, 04 Mar 2026 17
- Is Community Financial System (CBU) Attractive After Recent Pullback And Mixed Valuation Signals? - Yahoo Finance ue, 24 Feb 2026 08
- Community Financial System: Still Offering Growth At A Reasonable Price (NYSE:CBU) - Seeking Alpha ue, 27 Jan 2026 08
- Reassessing Community Financial System (CBU) After Recent Share Price Swings - simplywall.st hu, 19 Feb 2026 08
- Top Executive Makes Notable Move With Community Bank System Stock - TipRanks hu, 05 Mar 2026 03
- Riggs Asset Managment Co. Inc. Buys 41,759 Shares of Community Financial System, Inc. $CBU - MarketBeat Sun, 08 Mar 2026 12
- Bank managing $1.5B in death care assets to be bought for $40M cash deal - Stock Titan hu, 15 Jan 2026 08
- DA Davidson Initiates Coverage of Community Financial System (CBU) with Neutral Recommendation - Nasdaq Wed, 25 Feb 2026 13
- COMMUNITY BANK SYSTEM ($CBU) Q4 2025 Earnings Results - Quiver Quantitative ue, 27 Jan 2026 08
- Community Financial (CBU) Reports Q4 Earnings: What Key Metrics Have to Say - Yahoo Finance ue, 27 Jan 2026 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 5224 | — | — | Stock Award(Grant) at price 0.00 per share. | KARAIVANOV DIMITAR | Chief Executive Officer | — | 2026-03-04 00:00:00 | D |
| 1 | 2562 | — | — | Stock Award(Grant) at price 0.00 per share. | GILLAN-MYER MAUREEN A | Officer | — | 2026-03-04 00:00:00 | D |
| 2 | 1948 | — | — | Stock Award(Grant) at price 0.00 per share. | ABDO MICHAEL N. | General Counsel | — | 2026-03-04 00:00:00 | D |
| 3 | 4246 | 161433.0 | — | Conversion of Exercise of derivative security at price 38.02 per share. | WHIPPLE JOHN F JR | Director | — | 2026-02-04 00:00:00 | D |
| 4 | 4246 | 276704.0 | — | Sale at price 65.17 per share. | WHIPPLE JOHN F JR | Director | — | 2026-02-04 00:00:00 | D |
| 5 | 4000 | nan | — | — | STEELE SALLY A | Director | — | 2026-02-03 00:00:00 | D |
| 6 | 4000 | 256480.0 | — | Sale at price 64.12 per share. | STEELE SALLY A | Director | — | 2026-02-03 00:00:00 | D |
| 7 | 2000 | 129492.0 | — | Sale at price 64.75 per share. | STICKELS ERIC E | Director | — | 2026-02-03 00:00:00 | D |
| 8 | 2287 | 86952.0 | — | Conversion of Exercise of derivative security at price 38.02 per share. | ABDO MICHAEL N. | General Counsel | — | 2026-01-30 00:00:00 | D |
| 9 | 3450 | 203054.0 | — | Sale at price 58.85 per share. | GILLAN-MYER MAUREEN A | Officer | — | 2025-12-29 00:00:00 | I |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | -1.21M | -136.30K | -2.17M | -1.02M |
| TaxRateForCalcs | 0.24 | 0.23 | 0.22 | 0.22 |
| TotalUnusualItems | -5.11M | -595.00K | -10.06M | -4.72M |
| TotalUnusualItemsExcludingGoodwill | -5.11M | -595.00K | -10.06M | -4.72M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 210.46M | 182.48M | 131.92M | 188.08M |
| ReconciledDepreciation | 30.20M | 28.66M | 28.35M | 30.43M |
| NetInterestIncome | 506.55M | 449.12M | 437.29M | 420.63M |
| InterestExpense | 192.72M | 194.41M | 104.10M | 23.10M |
| InterestIncome | 699.27M | 643.53M | 541.39M | 443.73M |
| NormalizedIncome | 214.36M | 182.94M | 139.81M | 191.78M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 210.46M | 182.48M | 131.92M | 188.08M |
| DilutedAverageShares | 52.82M | 52.88M | 53.95M | 54.36M |
| BasicAverageShares | 52.70M | 52.76M | 53.74M | 54.05M |
| DilutedEPS | 3.97 | 3.44 | 2.53 | 3.46 |
| BasicEPS | 3.98 | 3.44 | 2.54 | 3.48 |
| DilutedNIAvailtoComStockholders | 209.58M | 181.74M | 131.48M | 187.55M |
| NetIncomeCommonStockholders | 209.58M | 181.74M | 131.48M | 187.55M |
| OtherunderPreferredStockDividend | 873.00K | 740.00K | 447.00K | 533.00K |
| NetIncome | 210.46M | 182.48M | 131.92M | 188.08M |
| NetIncomeIncludingNoncontrollingInterests | 210.46M | 182.48M | 131.92M | 188.08M |
| NetIncomeContinuousOperations | 210.46M | 182.48M | 131.92M | 188.08M |
| TaxProvision | 64.94M | 54.22M | 36.31M | 52.23M |
| PretaxIncome | 275.39M | 236.71M | 168.23M | 240.31M |
| SpecialIncomeCharges | -5.11M | -595.00K | -10.06M | -4.72M |
| OtherSpecialCharges | -50.00K | 138.00K | 5.80M | -100.00K |
| RestructuringAndMergernAcquisition | 5.16M | 457.00K | 4.51M | 4.72M |
| GainOnSaleOfSecurity | 375.00K | 744.00K | -52.38M | -44.00K |
| DepreciationAmortizationDepletionIncomeStatement | 13.85M | 14.26M | 14.51M | 15.21M |
| DepreciationAndAmortizationInIncomeStatement | 13.85M | 14.26M | 14.51M | 15.21M |
| Amortization | 13.85M | 14.26M | 14.51M | 15.21M |
| AmortizationOfIntangiblesIncomeStatement | 13.85M | 14.26M | 14.51M | 15.21M |
| SellingGeneralAndAdministration | 329.05M | 316.84M | 297.53M | 270.43M |
| SellingAndMarketingExpense | 15.13M | 16.06M | 15.73M | 13.10M |
| GeneralAndAdministrativeExpense | 313.92M | 300.78M | 281.80M | 257.34M |
| OtherGandA | 51.00M | |||
| SalariesAndWages | 313.92M | 300.78M | 281.80M | 257.34M |
| TotalRevenue | 818.29M | 746.30M | 651.88M | 679.36M |
| OperatingRevenue | 818.29M | 746.30M | 651.88M | 679.36M |
| OccupancyAndEquipment | 48.25M | 43.66M | 42.55M | 42.41M |
| ProfessionalExpenseAndContractServicesExpense | 17.90M | 15.32M | 15.92M | 14.02M |
| OtherNonInterestExpense | 107.11M | 96.15M | 91.86M | 77.47M |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 2.23M | 2.03M | 1.05M | 452.95K |
| OrdinarySharesNumber | 52.68M | 52.67M | 53.33M | 53.74M |
| ShareIssued | 54.91M | 54.70M | 54.37M | 54.19M |
| NetDebt | 171.78M | 545.42M | 269.64M | 581.23M |
| TotalDebt | 458.77M | 737.31M | 460.60M | 791.12M |
| TangibleBookValue | 1.06B | 861.36M | 799.95M | 648.87M |
| InvestedCapital | 2.46B | 2.50B | 2.16B | 2.34B |
| NetTangibleAssets | 1.06B | 861.36M | 799.95M | 648.87M |
| CommonStockEquity | 2.01B | 1.76B | 1.70B | 1.55B |
| TotalCapitalization | 2.46B | 2.38B | 2.11B | 1.57B |
| TotalEquityGrossMinorityInterest | 2.01B | 1.76B | 1.70B | 1.55B |
| StockholdersEquity | 2.01B | 1.76B | 1.70B | 1.55B |
| OtherEquityInterest | 5.38M | 5.89M | 6.89M | 7.76M |
| GainsLossesNotAffectingRetainedEarnings | -418.99M | -548.09M | -556.89M | -686.44M |
| OtherEquityAdjustments | -418.99M | -548.09M | -556.89M | -686.44M |
| TreasuryStock | 110.94M | 100.54M | 55.59M | 26.48M |
| RetainedEarnings | 1.39B | 1.28B | 1.19B | 1.15B |
| AdditionalPaidInCapital | 1.09B | 1.08B | 1.06B | 1.05B |
| CapitalStock | 54.91M | 54.70M | 54.37M | 54.19M |
| CommonStock | 54.91M | 54.70M | 54.37M | 54.19M |
| PreferredStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 15.30B | 14.62B | 13.86B | 14.28B |
| LongTermDebtAndCapitalLeaseObligation | 458.77M | 619.31M | 407.60M | 22.72M |
| LongTermDebt | 458.77M | 619.31M | 407.60M | 22.72M |
| CurrentDebtAndCapitalLeaseObligation | 0.00 | 118.00M | 53.00M | 768.40M |
| CurrentDebt | 0.00 | 118.00M | 53.00M | 768.40M |
| OtherCurrentBorrowings | 0.00 | 118.00M | 53.00M | 768.40M |
| PayablesAndAccruedExpenses | 133.86M | 210.80M | ||
| Payables | 133.86M | 210.80M | ||
| AccountsPayable | 133.86M | 210.80M | ||
| TotalAssets | 17.30B | 16.39B | 15.56B | 15.84B |
| InvestmentsAndAdvances | 4.06B | 4.14B | 4.10B | 5.24B |
| HeldToMaturitySecurities | 1.45B | 1.35B | 1.17B | 1.08B |
| AvailableForSaleSecurities | 10.69M | 8.67M | 7.05M | 4.70M |
| LongTermEquityInvestment | 37.06M | 0.00 | ||
| GoodwillAndOtherIntangibleAssets | 942.72M | 901.47M | 897.99M | 902.84M |
| OtherIntangibleAssets | 54.74M | 48.25M | 52.59M | 61.00M |
| Goodwill | 887.98M | 853.23M | 845.40M | 841.84M |
| NetPPE | 246.50M | 183.76M | 173.42M | 160.78M |
| AccumulatedDepreciation | -153.67M | -145.54M | -135.09M | -137.43M |
| GrossPPE | 400.18M | 329.30M | 308.50M | 298.20M |
| Leases | 56.22M | 28.33M | ||
| ConstructionInProgress | 24.27M | 5.48M | 8.00M | 2.38M |
| OtherProperties | 140.02M | 125.65M | 111.41M | 103.03M |
| BuildingsAndImprovements | 144.50M | 135.25M | 155.15M | 158.31M |
| LandAndImprovements | 35.17M | 34.59M | 33.95M | 34.49M |
| Receivables | 57.73M | 54.34M | 54.53M | 52.61M |
| AccountsReceivable | 57.73M | 54.34M | 54.53M | 52.61M |
| OtherShortTermInvestments | 2.56B | 2.79B | 2.92B | 4.15B |
| CashAndCashEquivalents | 287.00M | 191.89M | 190.96M | 209.90M |
| CashCashEquivalentsAndFederalFundsSold | 301.75M | 197.00M | 190.96M | 209.90M |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 233.33M | 221.57M | 209.84M | 201.68M |
| RepurchaseOfCapitalStock | -11.17M | -45.84M | -30.02M | -16.61M |
| RepaymentOfDebt | -160.26M | -47.07M | -14.97M | -95.00K |
| IssuanceOfDebt | 0.00 | 250.00M | 400.00M | 0.00 |
| IssuanceOfCapitalStock | 5.28M | 7.09M | 1.01M | 1.18M |
| CapitalExpenditure | -68.53M | -20.70M | -18.59M | -12.92M |
| InterestPaidSupplementalData | 193.05M | 192.87M | 100.04M | 23.40M |
| IncomeTaxPaidSupplementalData | 40.50M | 43.73M | 41.66M | 57.13M |
| EndCashPosition | 301.75M | 197.00M | 190.96M | 209.90M |
| BeginningCashPosition | 197.00M | 190.96M | 209.90M | 1.88B |
| ChangesInCash | 104.75M | 6.04M | -18.93M | -1.67B |
| FinancingCashFlow | -15.01M | 599.38M | -583.13M | 259.22M |
| CashFlowFromContinuingFinancingActivities | -15.01M | 599.38M | -583.13M | 259.22M |
| NetOtherFinancingCharges | -4.55M | -4.57M | -2.41M | -1.28M |
| ProceedsFromStockOptionExercised | 193.00K | 217.00K | 236.00K | 252.00K |
| CashDividendsPaid | -97.56M | -95.78M | -95.10M | -93.39M |
| CommonStockDividendPaid | -97.56M | -95.78M | -95.10M | -93.39M |
| NetCommonStockIssuance | -5.89M | -38.74M | -29.00M | -15.43M |
| CommonStockPayments | -11.17M | -45.84M | -30.02M | -16.61M |
| CommonStockIssuance | 5.28M | 7.09M | 1.01M | 1.18M |
| NetIssuancePaymentsOfDebt | -278.26M | 267.93M | -330.37M | 768.30M |
| NetShortTermDebtIssuance | -118.00M | 65.00M | -715.40M | 768.40M |
| NetLongTermDebtIssuance | -160.26M | 202.93M | 385.03M | -95.00K |
| LongTermDebtPayments | -160.26M | -47.07M | -14.97M | -95.00K |
| LongTermDebtIssuance | 0.00 | 250.00M | 400.00M | 0.00 |
| InvestingCashFlow | -182.10M | -835.62M | 335.78M | -2.14B |
| CashFlowFromContinuingInvestingActivities | -182.10M | -835.62M | 335.78M | -2.14B |
| NetInvestmentPurchaseAndSale | -52.41M | -39.46M | 1.28B | -1.12B |
| SaleOfInvestment | 96.35M | 126.73M | 1.35B | 266.94M |
| PurchaseOfInvestment | -148.76M | -166.18M | -68.08M | -1.39B |
| NetBusinessPurchaseAndSale | 469.69M | -15.62M | -8.52M | -915.00K |
| SaleOfBusiness | 469.69M | |||
| PurchaseOfBusiness | -15.62M | -8.52M | -915.00K | -29.98M |
| NetPPEPurchaseAndSale | -66.55M | -14.96M | -11.11M | -10.49M |
| SaleOfPPE | 1.97M | 5.74M | 7.47M | 2.43M |
| PurchaseOfPPE | -68.53M | -20.70M | -18.59M | -12.92M |
| OperatingCashFlow | 301.86M | 242.28M | 228.42M | 214.60M |
| CashFlowFromContinuingOperatingActivities | 301.86M | 242.28M | 228.42M | 214.60M |
| ChangeInWorkingCapital | 7.57M | -5.88M | 1.11M | -6.23M |
| OtherNonCashItems | -3.39M | -2.50M | -2.41M | -2.15M |
| StockBasedCompensation | 10.86M | 8.37M | 9.27M | 7.74M |
| UnrealizedGainLossOnInvestmentSecurities | -375.00K | -1.23M | 47.00K | 44.00K |
| AmortizationOfSecurities | 14.08M | 10.82M | 5.84M | -18.74M |
| DeferredTax | 11.67M | 674.00K | -7.50M | 1.31M |
| DeferredIncomeTax | 11.67M | 674.00K | -7.50M | 1.31M |
| DepreciationAmortizationDepletion | 30.20M | 28.66M | 28.35M | 30.43M |
| DepreciationAndAmortization | 30.20M | 28.66M | 28.35M | 30.43M |
| AmortizationCashFlow | 14.62M | 14.98M | 15.36M | 16.02M |
| AmortizationOfIntangibles | 14.62M | 14.98M | 15.36M | 16.02M |
| Depreciation | 15.58M | 13.68M | 12.99M | 14.41M |
| OperatingGainsLosses | -570.00K | -1.90M | 50.60M | -655.00K |
| EarningsLossesFromEquityInvestments | 285.00K | 0.00 | 0.00 | |
| GainLossOnInvestmentSecurities | 0.00 | 487.00K | 52.33M | 0.00 |
| NetIncomeFromContinuingOperations | 210.46M | 182.48M | 131.92M | 188.08M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for CBU
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|