Community Financial System, Inc. CBU

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Price alert · CBU

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62.37 USD -1.00 -1.58%

At close · Oct 30

62.37 0.00 0.00%

After hours · Oct 30, 4:01 PM ET

Bid
62.31 × 100
Ask
62.51 × 100
61.97 Day range 63.69
53.67 52-week range 70.99
YTD
+8.58%
1 year
+11.24%
Open
63.90
Prev close
63.37
Mkt cap
3.27B
Vol
262.17K
Avg vol
246.37K
EPS
4.42
P/E
14.11
Div yield
3.00%
More statistics
Low
61.97
High
63.69
Forward P/E
12.02
Beta
0.78
Short ratio
6.05
Inst. own
80.34%
Dividend
1.90
Ex-div date
Dec 14, 2026
Earnings
Jan 26, 2027
50-d avg
61.55
200-d avg
62.87
1y target
69.00

5D chart

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Interval

Events in this range
  • Oct 27, 2026Earnings: 1.27; estimate 1.19; surprise 6.72%
Signals (90)
NameTimeAgo
MACD: Buy SignalOct 29, 9:30 AM2 days ago
RSI: OverboughtOct 29, 9:30 AM2 days ago
SMA: BullishOct 28, 3:55 PM3 days ago
SMA: BullishOct 28, 3:55 PM3 days ago
MACD: Sell SignalOct 28, 3:25 PM3 days ago
SMA: BearishOct 28, 3:20 PM3 days ago
SMA: BearishOct 28, 3:20 PM3 days ago
SMA: BullishOct 28, 3:00 PM3 days ago
SMA: BearishOct 28, 2:55 PM3 days ago
MACD: Buy SignalOct 28, 2:55 PM3 days ago
SMA: BullishOct 28, 2:45 PM3 days ago
SMA: BullishOct 28, 2:45 PM3 days ago
SMA: BearishOct 28, 2:05 PM3 days ago
SMA: BearishOct 28, 2:05 PM3 days ago
SMA: BullishOct 28, 1:50 PM3 days ago
MACD: Sell SignalOct 28, 1:10 PM3 days ago
SMA: BearishOct 28, 1:05 PM3 days ago
RSI: OverboughtOct 28, 12:40 PM3 days ago
RSI: OverboughtOct 28, 12:05 PM3 days ago
MACD: Buy SignalOct 28, 11:30 AM3 days ago
SMA: BullishOct 28, 11:20 AM3 days ago
SMA: BearishOct 28, 10:25 AM3 days ago
MACD: Sell SignalOct 28, 10:25 AM3 days ago
SMA: BullishOct 27, 3:45 PM4 days ago
MACD: Buy SignalOct 27, 3:40 PM4 days ago
SMA: BullishOct 27, 3:35 PM4 days ago
SMA: BearishOct 27, 3:10 PM4 days ago
MACD: Sell SignalOct 27, 3:10 PM4 days ago
SMA: BearishOct 27, 2:50 PM4 days ago
SMA: BullishOct 27, 2:35 PM4 days ago
MACD: Buy SignalOct 27, 2:35 PM4 days ago
SMA: BearishOct 27, 2:30 PM4 days ago
SMA: BearishOct 27, 12:55 PM4 days ago
MACD: Sell SignalOct 27, 12:55 PM4 days ago
MACD: Buy SignalOct 27, 12:35 PM4 days ago
SMA: BullishOct 27, 12:15 PM4 days ago
SMA: BullishOct 27, 12:15 PM4 days ago
SMA: BearishOct 27, 12:00 PM4 days ago
MACD: Sell SignalOct 27, 11:30 AM4 days ago
SMA: BearishOct 27, 11:25 AM4 days ago
SMA: BullishOct 27, 10:40 AM4 days ago
SMA: BearishOct 27, 10:30 AM4 days ago
SMA: BullishOct 27, 10:15 AM4 days ago
SMA: BearishOct 27, 10:05 AM4 days ago
SMA: BullishOct 27, 9:50 AM4 days ago
SMA: BullishOct 27, 9:50 AM4 days ago
MACD: Buy SignalOct 27, 9:50 AM4 days ago
MACD: Sell SignalOct 27, 9:45 AM4 days ago
SMA: BearishOct 27, 9:40 AM4 days ago
SMA: BearishOct 27, 9:40 AM4 days ago
SMA: BullishOct 27, 9:30 AM4 days ago
MACD: Buy SignalOct 26, 4:00 PM5 days ago
SMA: BullishOct 26, 3:55 PM5 days ago
MACD: Sell SignalOct 26, 3:45 PM5 days ago
SMA: BearishOct 26, 3:30 PM5 days ago
SMA: BearishOct 26, 3:30 PM5 days ago
SMA: BullishOct 26, 3:20 PM5 days ago
SMA: BullishOct 26, 3:05 PM5 days ago
SMA: BearishOct 26, 2:55 PM5 days ago
MACD: Buy SignalOct 26, 2:50 PM5 days ago
SMA: BullishOct 26, 2:45 PM5 days ago
RSI: OversoldOct 26, 2:40 PM5 days ago
SMA: BearishOct 26, 12:55 PM5 days ago
MACD: Sell SignalOct 26, 12:55 PM5 days ago
MACD: Buy SignalOct 26, 12:45 PM5 days ago
SMA: BearishOct 26, 12:10 PM5 days ago
SMA: BullishOct 26, 12:05 PM5 days ago
SMA: BearishOct 26, 11:30 AM5 days ago
MACD: Sell SignalOct 26, 10:55 AM5 days ago
SMA: BearishOct 26, 10:50 AM5 days ago
SMA: BullishOct 26, 10:00 AM5 days ago
SMA: BearishOct 26, 9:55 AM5 days ago
SMA: BullishOct 26, 9:35 AM5 days ago
SMA: BullishOct 26, 9:35 AM5 days ago
MACD: Buy SignalOct 26, 9:35 AM5 days ago
MACD: Sell SignalOct 26, 9:30 AM5 days ago
RSI: OversoldOct 26, 9:30 AM5 days ago
SMA: BearishOct 23, 3:55 PM1 week ago
RSI: OverboughtOct 23, 3:35 PM1 week ago
MACD: Buy SignalOct 23, 3:15 PM1 week ago
SMA: BullishOct 23, 3:10 PM1 week ago
SMA: BearishOct 23, 1:55 PM1 week ago
SMA: BearishOct 23, 1:55 PM1 week ago
SMA: BullishOct 23, 1:40 PM1 week ago
SMA: BearishOct 23, 1:20 PM1 week ago
SMA: BearishOct 23, 1:20 PM1 week ago
SMA: BullishOct 23, 12:50 PM1 week ago
SMA: BearishOct 23, 12:40 PM1 week ago
SMA: BullishOct 23, 12:35 PM1 week ago
SMA: BullishOct 23, 10:40 AM1 week ago

Financial health

Altman Z-Score

0.26 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

9 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 2
  • P/B 2

Valuation

P/E 14.4×
FY 2016: 26.4×FY 2017: 17.5×FY 2018: 17.7×FY 2019: 21.8×FY 2020: 20.1×FY 2021: 21.2×FY 2022: 18.1×FY 2023: 21.3×FY 2024: 17.9×FY 2025: 14.4×
FY 2016 5y median 18.1× FY 2025
P/S 3.0×
FY 2016: 6.2×FY 2017: 5.0×FY 2018: 5.1×FY 2019: 6.0×FY 2020: 5.3×FY 2021: 6.3×FY 2022: 4.8×FY 2023: 3.7×FY 2024: 3.5×FY 2025: 3.0×
FY 2016 5y median 3.7× FY 2025
P/B 1.5×
FY 2016: 2.3×FY 2017: 1.6×FY 2018: 1.7×FY 2019: 2.0×FY 2020: 1.6×FY 2021: 1.9×FY 2022: 2.2×FY 2023: 1.6×FY 2024: 1.8×FY 2025: 1.5×
FY 2016 5y median 1.8× FY 2025
P/FCF 13.0×
FY 2016: 22.2×FY 2017: 14.8×FY 2018: 14.3×FY 2019: 18.6×FY 2020: 20.0×FY 2021: 21.3×FY 2022: 16.8×FY 2023: 13.3×FY 2024: 14.7×FY 2025: 13.0×
FY 2016 5y median 14.7× FY 2025
EV/EBITDA 11.4×
FY 2016: 16.1×FY 2017: 15.0×FY 2018: 12.9×FY 2019: 15.8×FY 2020: 8.6×FY 2021: 9.1×FY 2022: 16.0×FY 2023: 17.1×FY 2024: 15.3×FY 2025: 11.4×
FY 2016 5y median 15.3× FY 2025
EV/Sales 3.4×
FY 2016: 6.4×FY 2017: 5.5×FY 2018: 5.4×FY 2019: 6.2×FY 2020: 3.3×FY 2021: 3.9×FY 2022: 6.2×FY 2023: 4.5×FY 2024: 4.3×FY 2025: 3.4×
FY 2016 5y median 4.3× FY 2025
FCF Yield 7.7%
FY 2016: 4.5%FY 2017: 6.8%FY 2018: 7.0%FY 2019: 5.4%FY 2020: 5.0%FY 2021: 4.7%FY 2022: 5.9%FY 2023: 7.5%FY 2024: 6.8%FY 2025: 7.7%
FY 2016 5y median 6.8% FY 2025

Profitability

Gross Margin 78.8%
FY 2016: 95.6%FY 2017: 95.3%FY 2018: 95.1%FY 2019: 94.3%FY 2020: 94.3%FY 2021: 99.3%FY 2022: 94.6%FY 2023: 84.7%FY 2024: 76.9%FY 2025: 78.8%
FY 2016 5y median 84.7% FY 2025
Operating Margin 27.2%
FY 2016: 35.1%FY 2017: 30.1%FY 2018: 36.3%FY 2019: 34.0%FY 2020: 33.4%FY 2021: 38.1%FY 2022: 34.2%FY 2023: 22.3%FY 2024: 25.2%FY 2025: 27.2%
FY 2016 5y median 27.2% FY 2025
Net Margin 20.8%
FY 2016: 23.6%FY 2017: 28.3%FY 2018: 28.7%FY 2019: 27.4%FY 2020: 26.7%FY 2021: 29.9%FY 2022: 26.8%FY 2023: 17.5%FY 2024: 19.4%FY 2025: 20.8%
FY 2016 5y median 20.8% FY 2025
ROE 10.5%
FY 2016: 8.7%FY 2017: 9.2%FY 2018: 9.8%FY 2019: 9.1%FY 2020: 7.8%FY 2021: 9.0%FY 2022: 12.1%FY 2023: 7.8%FY 2024: 10.4%FY 2025: 10.5%
FY 2016 5y median 10.4% FY 2025
ROIC 1.2%
FY 2016: 7.2%FY 2017: 7.1%FY 2018: 7.9%FY 2019: 7.7%FY 2020: 6.7%FY 2021: 7.8%FY 2022: 7.0%FY 2023: 5.0%FY 2024: 6.2%FY 2025: 1.2%
FY 2016 5y median 6.2% FY 2025
ROA 1.2%
FY 2016: 1.2%FY 2017: 1.4%FY 2018: 1.6%FY 2019: 1.5%FY 2020: 1.2%FY 2021: 1.2%FY 2022: 1.2%FY 2023: 0.8%FY 2024: 1.1%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 7.5%
FY 2016: 15.1%FY 2017: 20.7%FY 2018: 10.4%FY 2019: 5.0%FY 2020: 0.2%FY 2021: 2.7%FY 2022: 10.9%FY 2023: 7.6%FY 2024: 24.4%FY 2025: 7.5%
FY 2016 FY 2025
Operating Income 16.3%
FY 2016: 16.9%FY 2017: 3.5%FY 2018: 33.1%FY 2019: -1.7%FY 2020: -1.6%FY 2021: 17.1%FY 2022: -0.4%FY 2023: -30.0%FY 2024: 40.7%FY 2025: 16.3%
FY 2016 FY 2025
EPS (diluted) 15.4%
FY 2016: 5.9%FY 2017: 30.6%FY 2018: 7.6%FY 2019: -0.9%FY 2020: -4.6%FY 2021: 13.0%FY 2022: -0.6%FY 2023: -29.2%FY 2024: 40.4%FY 2025: 15.4%
FY 2016 FY 2025
Free Cash Flow 5.3%
FY 2016: 15.1%FY 2017: 45.0%FY 2018: 16.7%FY 2019: -5.7%FY 2020: -16.3%FY 2021: 14.9%FY 2022: 6.6%FY 2023: 4.0%FY 2024: 5.6%FY 2025: 5.3%
FY 2016 FY 2025

Financial Health

Current Ratio 1.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 1.5×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 1.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 1.5×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 1.5×
FY 2016: 0.4×FY 2017: 1.4×FY 2018: 0.8×FY 2019: 0.6×FY 2020: -5.4×FY 2021: -5.7×FY 2022: 3.4×FY 2023: 2.9×FY 2024: 3.0×FY 2025: 1.5×
FY 2016 5y median 2.9× FY 2025
Interest Coverage 1.4×
FY 2016: 13.7×FY 2017: 11.6×FY 2018: 12.0×FY 2019: 7.9×FY 2020: 9.9×FY 2021: 18.6×FY 2022: 10.4×FY 2023: 1.6×FY 2024: 1.2×FY 2025: 1.4×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 2.0%FY 2017: 2.4%FY 2018: 2.4%FY 2019: 2.2%FY 2020: 2.6%FY 2021: 2.3%FY 2022: 2.8%FY 2023: 3.4%FY 2024: 2.9%FY 2025: 3.2%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 46.4%
FY 2016: 53.0%FY 2017: 41.3%FY 2018: 42.4%FY 2019: 47.5%FY 2020: 52.9%FY 2021: 48.0%FY 2022: 49.7%FY 2023: 72.1%FY 2024: 52.5%FY 2025: 46.4%
FY 2016 5y median 49.7% FY 2025

Annual · latest fiscal year ends 2025-12-31