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Community Financial System, Inc. CBU

Set alert

Price alert · CBU

All alert types
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

3M chart

Chart tools
Interval

Events in this range
  • Aug 3, 2026Rating: Piper Sandler · Neutral → Neutral
  • Sep 15, 2026Dividend: 0.49
  • Oct 6, 2026Rating: Piper Sandler · Neutral → Neutral
  • Oct 12, 2026Rating: DA Davidson · Neutral → Neutral
  • Oct 27, 2026Earnings: 1.27; estimate 1.19; surprise 6.72%
Signals (7)
NameDateAgo
SMA: BullishOct 22, 20261 week ago
SMA: BullishOct 20, 20261 week ago
MACD: Buy SignalOct 15, 20262 weeks ago
MACD: Sell SignalSep 21, 20261 month ago
MACD: Buy SignalSep 4, 20261 month ago
SMA: BearishAug 6, 20262 months ago
SMA: BullishAug 3, 20263 months ago

Key statistics

Market cap
3.27B
Enterprise value
3.53B
Trailing P/E
14.11
Forward P/E
12.02
PEG ratio
2.62
Price / sales
3.81
Price / book
1.61
EPS (TTM)
4.42
Beta
0.78
Dividend yield
3.00%
Payout ratio
43.62%
Profit margin
27.29%
Revenue (TTM)
858.40M
Revenue growth
10.00%
Free cash flow
0
Total cash
424.64M
Total debt
636.01M
Return on equity
11.80%
Shares outstanding
52.38M
Short % of float
5.08%
50-day average
61.55
200-day average
62.87

Analyst view

Consensus: hold

Hold
Price target (mean) 69.00 +10.6% upside
Target (low)
65.00
Target (mean)
69.00
Target (high)
75.00
Ratings (0m) 6 1 buy · 5 hold · 0 sell
  • Strong buy0
  • Buy1
  • Hold5
  • Sell0
  • Strong sell0

Next earnings

Jan 26, 2027

Expected Jan 26, 2027. Consensus EPS estimate 1.19.

Earnings history

Financials — quick view

All financials
CBU Revenue — quarterly 218.55M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
CBU Net income — quarterly 61.33M
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026
CBU EPS — quarterly 1.16
2022-Q3 20222022-Q4 20222023-Q1 20232023-Q2 20232023-Q3 20232023-Q4 20232024-Q1 20242024-Q2 20242024-Q3 20242024-Q4 20242025-Q1 20252025-Q2 20252025-Q3 20252025-Q4 20252026-Q1 20262026-Q2 2026

Earnings

CBU recent earnings
Report dateQuarter endingEPS estimateEPS reportedSurpriseSurprise %
Jan 26, 2027Dec 30, 20261.20———
Oct 27, 2026Sep 30, 20261.191.27+0.08+6.72%
Jul 28, 2026Jun 30, 20261.181.16-0.02-1.69%
Apr 29, 2026Mar 31, 20261.101.09-0.01-0.91%
Jan 27, 2026Dec 31, 20251.131.07-0.06-5.31%
Oct 21, 2025Sep 30, 20251.051.04-0.01-0.95%

Upgrades / downgrades

CBU analyst upgrades and downgrades
DateFirmActionFromTo
Oct 12, 2026DA DavidsonmainNeutralNeutral
Oct 6, 2026Piper SandlermainNeutralNeutral
Aug 3, 2026Piper SandlermainNeutralNeutral
Jul 30, 2026Keefe, Bruyette & WoodsmainMarket PerformMarket Perform
Apr 30, 2026Piper SandlermainNeutralNeutral
Feb 25, 2026DA Davidsoninit—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

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Insider holders

CBU insider holders
InsiderRelationLatest transactionDateShares held
ABDO MICHAEL N.General CounselStock Award(Grant)Mar 3, 202610,741
BOLUS MARK JDirectorSaleJun 24, 2026125,946
KARAIVANOV DIMITARChief Executive OfficerStock Award(Grant)Mar 3, 202626,928
LEVY JEFFREY MOfficerSaleAug 26, 202512,716
PARENTE JOHNDirectorConversion of Exercise of derivative securityApr 28, 2026102,654
PECOR RAYMOND C IIIDirectorConversion of Exercise of derivative securityApr 28, 202622,726

Institution ownership

CBU institution ownership
Holder% heldSharesValueReported
Blackrock Inc.14.36%7,556,770471.28MJun 29, 2026
FMR, LLC6.99%3,678,108229.39MJun 29, 2026
Vanguard Portfolio Management LLC6.75%3,549,062221.34MJun 29, 2026
Neuberger Berman Group, LLC6.57%3,456,640215.57MJun 29, 2026
State Street Corporation6.30%3,313,651206.66MJun 29, 2026
Vanguard Capital Management LLC4.49%2,364,665147.47MJun 29, 2026

Fund ownership

CBU fund ownership
Holder% heldSharesValueReported
iShares Trust-iShares Core S&P Small-Cap ETF5.99%3,149,799196.44MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.18%1,673,706104.38MJun 29, 2026
NEUBERGER BERMAN EQUITY FUNDS-Neuberger Genesis Fund2.94%1,545,33296.37MSep 29, 2026
iShares Trust-iShares Russell 2000 ETF2.52%1,327,51282.79MSep 29, 2026
VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund2.29%1,206,55775.25MJun 29, 2026
Fidelity Capital Trust-Fidelity Stock Selector Small Cap Fund1.55%815,85550.88MJul 30, 2026
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