Symbols / CBU Stock $61.26 -1.91% Community Financial System, Inc.

Financial Services • Banks - Regional • United States • NYQ
CBU (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Dimitar A. Karaivanov
Exch · Country NYQ · United States
Market Cap 3.22B
Enterprise Value 3.30B
Income 218.93M
Sales 814.75M
FCF (ttm) —
Book/sh 38.52
Cash/sh 10.99
Employees 2,853
Insider 10d —
IPO Nov 26, 1985
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 45.39%
P/E 14.87
Forward P/E 11.38
PEG 2.62
P/S 3.95
P/B 1.59
P/C —
EV/EBITDA —
EV/Sales 4.05
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.12
EPS next Y 5.38
EPS Growth 16.10%
Revenue Growth 9.50%
EPS Gr Q/Q 15.30%
Rev Gr Q/Q —
Earnings (next) 2026-07-28
Earnings (prior) 2026-04-29
ROA 1.26%
ROE 11.30%
ROIC —
Gross Margin 0.00%
Oper. Margin 37.98%
Profit Margin 26.76%
Shs Outstand 52.55M
Shs Float 52.05M
Insider Own 0.78%
Instit Own 77.63%
Short Float 5.45%
Short Ratio 10.32
Short Interest 2.07M
52W High 67.50
vs 52W High -9.24%
52W Low 51.12
vs 52W Low 19.84%
Beta 0.80
Impl. Vol. 12.50%
Rel Volume 1.03
Avg Volume 236.14K
Volume 243.77K
Target (mean) $68.50
Tgt Median $67.50
Tgt Low $66.00
Tgt High $75.00
# Analysts 6
Recom Hold
Prev Close $62.45
Price $61.26
Change -1.91%
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 Syracuse, New York.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$68.50
Mean price target
2. Current target
$61.26
Latest analyst target
3. DCF / Fair value
$61.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$61.26
Low
$66.00
High
$75.00
Mean
$68.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-30 main Piper Sandler Neutral → Neutral $66
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 —
News
RSS: Latest CBU news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-29 STEELE SALLY A Director — 9 — —
2026-04-29 PECOR RAYMOND C III Director — 9 — —
2026-04-29 PARENTE JOHN Director — 9 — —
2026-04-29 KNAUSS JEFFERY J Director — 9 — —
2026-03-19 STEELE SALLY A Director — 1,254 — —
2026-03-19 PECOR RAYMOND C III Director — 1,254 — —
2026-03-19 PARENTE JOHN Director — 1,254 — —
2026-03-19 KNAUSS JEFFERY J Director — 1,254 — —
2026-03-16 STICKELS ERIC E Director — 250 — —
2026-03-04 KARAIVANOV DIMITAR Chief Executive Officer — 5,224 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
818.29
+9.65%
746.30
+14.49%
651.88
-4.04%
679.36
Operating Revenue
818.29
+9.65%
746.30
+14.49%
651.88
-4.04%
679.36
Selling General And Administration
329.05
+3.85%
316.84
+6.49%
297.53
+10.02%
270.43
Selling And Marketing Expense
15.13
-5.75%
16.06
+2.09%
15.73
+20.13%
13.10
General And Administrative Expense
313.92
+4.37%
300.78
+6.73%
281.80
+9.51%
257.34
Salaries And Wages
313.92
+4.37%
300.78
+6.73%
281.80
+9.51%
257.34
Other Gand A
—
—
—
—
Reconciled Depreciation
30.20
+5.39%
28.66
+1.08%
28.35
-6.82%
30.43
Total Unusual Items
-5.11
-759.16%
-0.59
+94.09%
-10.06
-113.18%
-4.72
Total Unusual Items Excluding Goodwill
-5.11
-759.16%
-0.59
+94.09%
-10.06
-113.18%
-4.72
Special Income Charges
-5.11
-759.16%
-0.59
+94.09%
-10.06
-113.18%
-4.72
Other Special Charges
-0.05
-136.23%
0.14
-97.62%
5.80
—
Restructuring And Mergern Acquisition
5.16
+1029.54%
0.46
-89.86%
4.51
-4.55%
4.72
Net Income
210.46
+15.33%
182.48
+38.32%
131.92
-29.86%
188.08
Pretax Income
275.39
+16.34%
236.71
+40.70%
168.23
-30.00%
240.31
Net Interest Income
506.55
+12.79%
449.12
+2.71%
437.29
+3.96%
420.63
Interest Expense
192.72
-0.87%
194.41
+86.75%
104.10
+350.68%
23.10
Interest Income
699.27
+8.66%
643.53
+18.87%
541.39
+22.01%
443.73
Gain On Sale Of Security
0.38
-49.60%
0.74
+101.42%
-52.38
-118936.36%
-0.04
Tax Provision
64.94
+19.76%
54.22
+49.35%
36.31
-30.49%
52.23
Tax Rate For Calcs
0.00
+2.94%
0.00
+6.05%
0.00
-0.46%
0.00
Tax Effect Of Unusual Items
-1.21
-784.38%
-0.14
+93.73%
-2.17
-112.19%
-1.02
Net Income Including Noncontrolling Interests
210.46
—
—
—
Net Income From Continuing Operation Net Minority Interest
210.46
+15.33%
182.48
+38.32%
131.92
-29.86%
188.08
Net Income From Continuing And Discontinued Operation
210.46
+15.33%
182.48
+38.32%
131.92
-29.86%
188.08
Net Income Continuous Operations
210.46
+15.33%
182.48
+38.32%
131.92
-29.86%
188.08
Normalized Income
214.36
+17.18%
182.94
+30.84%
139.81
-27.10%
191.78
Net Income Common Stockholders
209.58
+15.32%
181.74
+38.23%
131.48
-29.90%
187.55
Otherunder Preferred Stock Dividend
0.87
+17.97%
0.74
+65.55%
0.45
-16.14%
0.53
Diluted EPS
3.97
+15.41%
3.44
+35.97%
2.53
-26.88%
3.46
Basic EPS
3.98
+15.70%
3.44
+35.43%
2.54
-27.01%
3.48
Basic Average Shares
52.88
-0.32%
53.05
-1.29%
53.74
-0.56%
54.05
Diluted Average Shares
53.01
-0.07%
53.05
-1.68%
53.95
-0.74%
54.36
Diluted NI Availto Com Stockholders
209.58
+15.32%
181.74
+38.23%
131.48
-29.90%
187.55
Amortization
13.85
-2.90%
14.26
-1.74%
14.51
-4.62%
15.21
Amortization Of Intangibles Income Statement
13.85
-2.90%
14.26
-1.74%
14.51
-4.62%
15.21
Depreciation Amortization Depletion Income Statement
13.85
-2.90%
14.26
-1.74%
14.51
-4.62%
15.21
Depreciation And Amortization In Income Statement
13.85
-2.90%
14.26
-1.74%
14.51
-4.62%
15.21
Occupancy And Equipment
48.25
+10.52%
43.66
+2.60%
42.55
+0.32%
42.41
Other Non Interest Expense
107.11
+11.39%
96.15
+4.67%
91.86
+18.58%
77.47
Professional Expense And Contract Services Expense
17.90
+16.80%
15.32
-3.76%
15.92
+13.58%
14.02
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
17,303.30
+5.60%
16,386.04
+5.34%
15,555.75
-1.77%
15,835.65
Cash And Cash Equivalents
287.00
+49.56%
191.89
+0.49%
190.96
-9.02%
209.90
Other Short Term Investments
2,555.86
-8.25%
2,785.71
-4.60%
2,919.99
-29.67%
4,151.85
Receivables
57.73
+6.25%
54.34
-0.36%
54.53
+3.65%
52.61
Accounts Receivable
57.73
+6.25%
54.34
-0.36%
54.53
+3.65%
52.61
Net PPE
246.50
+34.15%
183.76
+5.96%
173.42
+7.86%
160.78
Gross PPE
400.18
+21.52%
329.30
+6.74%
308.50
+3.45%
298.20
Accumulated Depreciation
-153.67
-5.59%
-145.54
-7.74%
-135.09
+1.70%
-137.43
Land And Improvements
35.17
+1.67%
34.59
+1.87%
33.95
-1.55%
34.49
Buildings And Improvements
144.50
+6.83%
135.25
-12.82%
155.15
-2.00%
158.31
Construction In Progress
24.27
+343.02%
5.48
-31.47%
8.00
+236.35%
2.38
Other Properties
140.02
+11.44%
125.65
+12.78%
111.41
+8.13%
103.03
Leases
56.22
+98.44%
28.33
—
—
Goodwill And Other Intangible Assets
942.72
+4.58%
901.47
+0.39%
897.99
-0.54%
902.84
Goodwill
887.98
+4.07%
853.23
+0.93%
845.40
+0.42%
841.84
Other Intangible Assets
54.74
+13.46%
48.25
-8.26%
52.59
-13.78%
61.00
Investments And Advances
4,057.78
-1.97%
4,139.54
+0.98%
4,099.22
-21.71%
5,236.25
Long Term Equity Investment
37.06
0.00
—
—
Total Liabilities Net Minority Interest
15,297.26
+4.61%
14,623.21
+5.52%
13,857.82
-2.98%
14,283.95
Payables And Accrued Expenses
—
—
—
133.86
Payables
—
—
—
133.86
Accounts Payable
—
—
—
133.86
Current Debt And Capital Lease Obligation
0.00
-100.00%
118.00
+122.64%
53.00
-93.10%
768.40
Current Debt
0.00
-100.00%
118.00
+122.64%
53.00
-93.10%
768.40
Other Current Borrowings
0.00
-100.00%
118.00
+122.64%
53.00
-93.10%
768.40
Long Term Debt And Capital Lease Obligation
458.77
-25.92%
619.31
+51.94%
407.60
+1693.79%
22.72
Long Term Debt
458.77
-25.92%
619.31
+51.94%
407.60
+1693.79%
22.72
Stockholders Equity
2,006.03
+13.80%
1,762.84
+3.82%
1,697.94
+9.42%
1,551.70
Common Stock Equity
2,006.03
+13.80%
1,762.84
+3.82%
1,697.94
+9.42%
1,551.70
Capital Stock
54.91
+0.39%
54.70
+0.60%
54.37
+0.34%
54.19
Common Stock
54.91
+0.39%
54.70
+0.60%
54.37
+0.34%
54.19
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
54.91
+0.39%
54.70
+0.60%
54.37
+0.34%
54.19
Ordinary Shares Number
52.68
+0.03%
52.67
-1.24%
53.33
-0.76%
53.74
Treasury Shares Number
2.23
+9.70%
2.03
+94.06%
1.05
+130.76%
0.45
Additional Paid In Capital
1,088.05
+1.16%
1,075.54
+1.44%
1,060.29
+0.96%
1,050.23
Retained Earnings
1,387.64
+8.81%
1,275.33
+7.27%
1,188.87
+3.16%
1,152.45
Gains Losses Not Affecting Retained Earnings
-418.99
+23.55%
-548.09
+1.58%
-556.89
+18.87%
-686.44
Treasury Stock
110.94
+10.35%
100.54
+80.85%
55.59
+109.90%
26.48
Other Equity Adjustments
-418.99
+23.55%
-548.09
+1.58%
-556.89
+18.87%
-686.44
Total Equity Gross Minority Interest
2,006.03
+13.80%
1,762.84
+3.82%
1,697.94
+9.42%
1,551.70
Total Capitalization
2,464.80
+3.47%
2,382.15
+13.14%
2,105.54
+33.73%
1,574.43
Invested Capital
2,464.80
-1.41%
2,500.15
+15.83%
2,158.54
-7.87%
2,342.83
Total Debt
458.77
-37.78%
737.31
+60.08%
460.60
-41.78%
791.12
Net Debt
171.78
-68.51%
545.42
+102.28%
269.64
-53.61%
581.23
Net Tangible Assets
1,063.32
+23.45%
861.36
+7.68%
799.95
+23.28%
648.87
Tangible Book Value
1,063.32
+23.45%
861.36
+7.68%
799.95
+23.28%
648.87
Available For Sale Securities
10.69
+23.33%
8.67
+22.90%
7.05
+50.01%
4.70
Cash Cash Equivalents And Federal Funds Sold
301.75
+53.17%
197.00
+3.16%
190.96
-9.02%
209.90
Held To Maturity Securities
1,454.17
+8.10%
1,345.15
+14.76%
1,172.17
+8.57%
1,079.69
Other Equity Interest
5.38
-8.75%
5.89
-14.45%
6.89
-11.15%
7.76
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
301.86
+24.59%
242.28
+6.07%
228.42
+6.44%
214.60
Cash Flow From Continuing Operating Activities
301.86
+24.59%
242.28
+6.07%
228.42
+6.44%
214.60
Net Income From Continuing Operations
210.46
+15.33%
182.48
+38.32%
131.92
-29.86%
188.08
Depreciation Amortization Depletion
30.20
+5.39%
28.66
+1.08%
28.35
-6.82%
30.43
Depreciation
15.58
+13.90%
13.68
+5.27%
12.99
-9.85%
14.41
Amortization Cash Flow
14.62
-2.38%
14.98
-2.47%
15.36
-4.09%
16.02
Depreciation And Amortization
30.20
+5.39%
28.66
+1.08%
28.35
-6.82%
30.43
Amortization Of Intangibles
14.62
-2.38%
14.98
-2.47%
15.36
-4.09%
16.02
Other Non Cash Items
-3.39
-35.70%
-2.50
-3.48%
-2.41
-12.34%
-2.15
Stock Based Compensation
10.86
+29.68%
8.37
-9.66%
9.27
+19.79%
7.74
Deferred Tax
11.67
+1631.31%
0.67
+108.98%
-7.50
-673.19%
1.31
Deferred Income Tax
11.67
+1631.31%
0.67
+108.98%
-7.50
-673.19%
1.31
Operating Gains Losses
-0.57
+69.94%
-1.90
-103.75%
50.60
+7824.73%
-0.66
Gain Loss On Investment Securities
0.00
-100.00%
0.49
-99.07%
52.33
0.00
Unrealized Gain Loss On Investment Securities
-0.38
+69.54%
-1.23
-2719.15%
0.05
+6.82%
0.04
Change In Working Capital
7.57
+228.84%
-5.88
-631.46%
1.11
+117.75%
-6.23
Investing Cash Flow
-182.10
+78.21%
-835.62
-348.86%
335.78
+115.70%
-2,138.99
Cash Flow From Continuing Investing Activities
-182.10
+78.21%
-835.62
-348.86%
335.78
+115.70%
-2,138.99
Net PPE Purchase And Sale
-66.55
-344.88%
-14.96
-34.63%
-11.11
-5.93%
-10.49
Purchase Of PPE
-68.53
-231.01%
-20.70
-11.40%
-18.59
-43.82%
-12.92
Sale Of PPE
1.97
-65.63%
5.74
-23.15%
7.47
+207.28%
2.43
Capital Expenditure
-68.53
-231.01%
-20.70
-11.40%
-18.59
-43.82%
-12.92
Net Investment Purchase And Sale
-52.41
-32.83%
-39.46
-103.09%
1,278.68
+213.78%
-1,123.84
Purchase Of Investment
-148.76
+10.49%
-166.18
-144.10%
-68.08
+95.10%
-1,390.78
Sale Of Investment
96.35
-23.97%
126.73
-90.59%
1,346.77
+404.52%
266.94
Net Business Purchase And Sale
469.69
+3106.99%
-15.62
-83.40%
-8.52
-830.82%
-0.92
Purchase Of Business
—
-15.62
-83.40%
-8.52
-830.82%
-0.92
Financing Cash Flow
-15.01
-102.50%
599.38
+202.79%
-583.13
-324.96%
259.22
Cash Flow From Continuing Financing Activities
-15.01
-102.50%
599.38
+202.79%
-583.13
-324.96%
259.22
Net Issuance Payments Of Debt
-278.26
-203.86%
267.93
+181.10%
-330.37
-143.00%
768.30
Issuance Of Debt
0.00
-100.00%
250.00
-37.50%
400.00
0.00
Repayment Of Debt
-160.26
-240.44%
-47.07
-214.43%
-14.97
-15658.95%
-0.10
Long Term Debt Issuance
0.00
-100.00%
250.00
-37.50%
400.00
0.00
Long Term Debt Payments
-160.26
-240.44%
-47.07
-214.43%
-14.97
-15658.95%
-0.10
Net Long Term Debt Issuance
-160.26
-178.97%
202.93
-47.30%
385.03
+405393.68%
-0.10
Net Short Term Debt Issuance
-118.00
-281.54%
65.00
+109.09%
-715.40
-193.10%
768.40
Net Common Stock Issuance
-5.89
+84.80%
-38.74
-33.60%
-29.00
-87.95%
-15.43
Common Stock Payments
-11.17
+75.63%
-45.84
-52.71%
-30.02
-80.67%
-16.61
Common Stock Dividend Paid
-97.56
-1.86%
-95.78
-0.71%
-95.10
-1.84%
-93.39
Cash Dividends Paid
-97.56
-1.86%
-95.78
-0.71%
-95.10
-1.84%
-93.39
Repurchase Of Capital Stock
-11.17
+75.63%
-45.84
-52.71%
-30.02
-80.67%
-16.61
Proceeds From Stock Option Exercised
—
0.19
-11.06%
0.22
-8.05%
0.24
Net Other Financing Charges
-4.55
+0.33%
-4.57
-89.38%
-2.41
-87.77%
-1.28
Changes In Cash
104.75
+1633.71%
6.04
+131.91%
-18.93
+98.86%
-1,665.17
Beginning Cash Position
197.00
+3.16%
190.96
-9.02%
209.90
-88.81%
1,875.06
End Cash Position
301.75
+53.17%
197.00
+3.16%
190.96
-9.02%
209.90
Free Cash Flow
233.33
+5.31%
221.57
+5.59%
209.84
+4.04%
201.68
Interest Paid Supplemental Data
193.05
+0.09%
192.87
+92.79%
100.04
+327.48%
23.40
Income Tax Paid Supplemental Data
40.50
-7.38%
43.73
+4.96%
41.66
-27.08%
57.13
Amortization Of Securities
14.08
+30.18%
10.82
+85.30%
5.84
+131.16%
-18.74
Common Stock Issuance
5.28
-25.58%
7.09
+598.62%
1.01
-14.27%
1.18
Earnings Losses From Equity Investments
0.28
0.00
0.00
—
Issuance Of Capital Stock
5.28
-25.58%
7.09
+598.62%
1.01
-14.27%
1.18
Sale Of Business
469.69
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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