Community Financial System, Inc. CBU
At closeNov 4, 2026, 4:01 PM EST
After hours · Nov 4, 4:01 PM ET
- YTD
- +14.43%
- 1 year
- +18.03%
- Market cap
- 3.44B
- Revenue (ttm)
- 858.40M
- Profit margin
- 27.29%
- EPS (ttm)
- 4.42
- Shares out
- 52.38M
- P/E ratio
- 14.87
- Forward P/E
- 12.71
- Dividend
- 1.90 (2.98%)
- Ex-dividend date
- Dec 14, 2026
- YTD return
- +14.43%
- 1-year return
- +18.03%
- Volume
- 501.03K
- Avg volume
- 244.16K
- Open
- 65.43
- Previous close
- 63.80
- Day's range
- 65.25 – 66.48
- 52-week range
- 53.46 – 71.11
- Beta
- 0.77
- Analysts
- Hold
- Price target
- 69.00 (+5.0%)
- Earnings date
- Jan 26, 2027
5D +0.03 (+0.05%)
Key statistics
- Enterprise value
- 3.55B
- PEG ratio
- 2.62
- Price / sales
- 4.01
- Price / book
- 1.70
- Dividend yield
- 2.98%
- Payout ratio
- 43.62%
- Revenue growth
- 10.00%
- Free cash flow
- 0
- Total cash
- 424.64M
- Total debt
- 636.01M
- Return on equity
- 11.80%
- Short % of float
- 5.08%
- 50-day average
- 61.57
- 200-day average
- 62.90
Analyst view
Consensus: hold
- Target (low)
- 65.00
- Target (mean)
- 69.00
- Target (high)
- 75.00
- Strong buy0
- Buy1
- Hold5
- Sell0
- Strong sell0
Next earnings
Jan 26, 2027
Expected Jan 26, 2027. Consensus EPS estimate 1.19.
Financials — quick view
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Jan 26, 2027 | Dec 30, 2026 | 1.20 | — | — | — |
| Oct 27, 2026 | Sep 30, 2026 | 1.19 | 1.27 | +0.08 | +6.72% |
| Jul 28, 2026 | Jun 30, 2026 | 1.18 | 1.16 | -0.02 | -1.69% |
| Apr 29, 2026 | Mar 31, 2026 | 1.10 | 1.09 | -0.01 | -0.91% |
| Jan 27, 2026 | Dec 31, 2025 | 1.13 | 1.07 | -0.06 | -5.31% |
| Oct 21, 2025 | Sep 30, 2025 | 1.05 | 1.04 | -0.01 | -0.95% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 12, 2026 | DA Davidson | main | Neutral | Neutral |
| Oct 6, 2026 | Piper Sandler | main | Neutral | Neutral |
| Aug 3, 2026 | Piper Sandler | main | Neutral | Neutral |
| Jul 30, 2026 | Keefe, Bruyette & Woods | main | Market Perform | Market Perform |
| Apr 30, 2026 | Piper Sandler | main | Neutral | Neutral |
| Feb 25, 2026 | DA Davidson | init | — | Neutral |
About Community Financial System, Inc.
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.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Country
- United States
- Website
- ir.cfsi.com
News
Community Financial System, Inc. (CBU) Q3 2026 Earnings Call Transcript 
Community Financial System Q3 Earnings Call Highlights 
Community Financial (CBU) Reports Q3 Earnings: What Key Metrics Have to Say 
Community Financial System (CBU) Q3 Earnings and Revenues Beat Estimates 
Community Financial Q3 Adj. EPS $1.27 Beats $1.19 Estimate, Sales $227.291M Beat $224.672M Estimate 
Community Financial System, Inc. Reports Third Quarter 2026 Results 
Community Financial System, Inc. Announces Quarterly Dividend 
Community Financial System (CBU) Earnings Expected to Grow: What to Know Ahead of Next Week's Release 
Implied Volatility Surging for Community Financial Stock Options 
DA Davidson Maintains Neutral on Community Financial Sys, Lowers Price Target to $69
Your note
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| ABDO MICHAEL N. | General Counsel | Stock Award(Grant) | Mar 3, 2026 | 10,741 |
| BOLUS MARK J | Director | Sale | Jun 24, 2026 | 125,946 |
| KARAIVANOV DIMITAR | Chief Executive Officer | Stock Award(Grant) | Mar 3, 2026 | 26,928 |
| LEVY JEFFREY M | Officer | Sale | Aug 26, 2025 | 12,716 |
| PARENTE JOHN | Director | Conversion of Exercise of derivative security | Apr 28, 2026 | 102,654 |
| PECOR RAYMOND C III | Director | Conversion of Exercise of derivative security | Apr 28, 2026 | 22,726 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Blackrock Inc. | 14.36% | 7,556,770 | 496.78M | Jun 29, 2026 |
| FMR, LLC | 6.99% | 3,678,108 | 241.80M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 6.75% | 3,549,062 | 233.32M | Jun 29, 2026 |
| Neuberger Berman Group, LLC | 6.57% | 3,456,640 | 227.24M | Jun 29, 2026 |
| State Street Corporation | 6.30% | 3,313,651 | 217.84M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 4.49% | 2,364,665 | 155.45M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| iShares Trust-iShares Core S&P Small-Cap ETF | 5.99% | 3,149,799 | 207.07M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.18% | 1,673,706 | 110.03M | Jun 29, 2026 |
| NEUBERGER BERMAN EQUITY FUNDS-Neuberger Genesis Fund | 2.94% | 1,545,332 | 101.59M | Sep 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.52% | 1,327,512 | 87.27M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 2.29% | 1,206,557 | 79.32M | Jun 29, 2026 |
| Fidelity Capital Trust-Fidelity Stock Selector Small Cap Fund | 1.57% | 826,655 | 54.34M | Aug 30, 2026 |