Community Financial System, Inc. CBU
Set alert
At close · Nov 2
After hours · Nov 2, 4:01 PM ET
- YTD
- +12.26%
- 1 year
- +16.22%
- Open
- 63.05
- Prev close
- 62.37
- Mkt cap
- 3.38B
- Vol
- 205.22K
- Avg vol
- 245.51K
- EPS
- 4.42
- P/E
- 14.59
- Div yield
- 3.05%
More statistics
- Low
- 62.13
- High
- 64.56
- Forward P/E
- 12.46
- Beta
- 0.77
- Short ratio
- 6.05
- Inst. own
- 80.34%
- Dividend
- 1.90
- Ex-div date
- Dec 14, 2026
- Earnings
- Jan 26, 2027
- 50-d avg
- 61.54
- 200-d avg
- 62.88
- 1y target
- 69.00
YTD chart
Events in this range
- Jan 27, 2026Earnings: 1.07; estimate 1.13; surprise -5.31%
- Feb 25, 2026Rating: DA Davidson · — → Neutral
- Mar 16, 2026Dividend: 0.47
- Apr 29, 2026Earnings: 1.09; estimate 1.1; surprise -0.91%
- Apr 30, 2026Rating: Piper Sandler · Neutral → Neutral
- Jun 15, 2026Dividend: 0.47
- Jul 28, 2026Earnings: 1.16; estimate 1.18; surprise -1.69%
- Jul 30, 2026Rating: Keefe, Bruyette & Woods · Market Perform → Market Perform
- 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 (44)
| Name | Date | Ago |
|---|---|---|
| SMA: Bullish | Nov 2, 2026 | 12 hours ago |
| SMA: Bearish | Oct 30, 2026 | 3 days ago |
| SMA: Bullish | Oct 29, 2026 | 4 days ago |
| SMA: Bullish | Oct 22, 2026 | 1 week ago |
| MACD: Buy Signal | Oct 15, 2026 | 2 weeks ago |
| MACD: Sell Signal | Sep 21, 2026 | 1 month ago |
| SMA: Bearish | Sep 17, 2026 | 1 month ago |
| SMA: Bullish | Sep 14, 2026 | 1 month ago |
| SMA: Bearish | Sep 11, 2026 | 1 month ago |
| SMA: Bullish | Sep 10, 2026 | 1 month ago |
| SMA: Bearish | Sep 9, 2026 | 1 month ago |
| MACD: Buy Signal | Sep 4, 2026 | 1 month ago |
| SMA: Bullish | Sep 2, 2026 | 2 months ago |
| SMA: Bearish | Sep 1, 2026 | 2 months ago |
| SMA: Bearish | Aug 6, 2026 | 2 months ago |
| SMA: Bullish | Aug 3, 2026 | 3 months ago |
| SMA: Bearish | Jul 28, 2026 | 3 months ago |
| MACD: Sell Signal | Jul 21, 2026 | 3 months ago |
| MACD: Buy Signal | Jul 14, 2026 | 3 months ago |
| MACD: Sell Signal | Jul 9, 2026 | 3 months ago |
| MACD: Buy Signal | Jun 24, 2026 | 4 months ago |
| SMA: Bullish | Jun 22, 2026 | 4 months ago |
| MACD: Sell Signal | Jun 17, 2026 | 4 months ago |
| SMA: Bearish | Jun 16, 2026 | 4 months ago |
| MACD: Buy Signal | Jun 9, 2026 | 4 months ago |
| SMA: Bullish | Jun 4, 2026 | 5 months ago |
| SMA: Bearish | Jun 3, 2026 | 5 months ago |
| MACD: Sell Signal | Jun 1, 2026 | 5 months ago |
| MACD: Buy Signal | May 26, 2026 | 5 months ago |
| MACD: Sell Signal | May 11, 2026 | 5 months ago |
| MACD: Buy Signal | May 6, 2026 | 6 months ago |
| MACD: Sell Signal | May 4, 2026 | 6 months ago |
| SMA: Bullish | Apr 8, 2026 | 6 months ago |
| SMA: Bullish | Apr 1, 2026 | 7 months ago |
| MACD: Buy Signal | Mar 25, 2026 | 7 months ago |
| RSI: Oversold | Mar 10, 2026 | 7 months ago |
| SMA: Bearish | Mar 9, 2026 | 7 months ago |
| SMA: Bearish | Feb 27, 2026 | 8 months ago |
| MACD: Sell Signal | Feb 18, 2026 | 8 months ago |
| RSI: Overbought | Feb 9, 2026 | 8 months ago |
| MACD: Buy Signal | Feb 2, 2026 | 9 months ago |
| MACD: Sell Signal | Jan 28, 2026 | 9 months ago |
| MACD: Buy Signal | Jan 8, 2026 | 9 months ago |
| SMA: Bullish | Jan 2, 2026 | 10 months ago |
Key statistics
- Market cap
- 3.38B
- Enterprise value
- 3.48B
- Trailing P/E
- 14.58
- Forward P/E
- 12.46
- PEG ratio
- 2.62
- Price / sales
- 3.93
- Price / book
- 1.66
- EPS (TTM)
- 4.42
- Beta
- 0.77
- Dividend yield
- 3.05%
- 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
- 61.54
- 200-day average
- 62.88
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 | 487.15M | Jun 29, 2026 |
| FMR, LLC | 6.99% | 3,678,108 | 237.11M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 6.75% | 3,549,062 | 228.79M | Jun 29, 2026 |
| Neuberger Berman Group, LLC | 6.57% | 3,456,640 | 222.83M | Jun 29, 2026 |
| State Street Corporation | 6.30% | 3,313,651 | 213.61M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 4.49% | 2,364,665 | 152.44M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| iShares Trust-iShares Core S&P Small-Cap ETF | 5.99% | 3,149,799 | 203.05M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 3.18% | 1,673,706 | 107.90M | Jun 29, 2026 |
| NEUBERGER BERMAN EQUITY FUNDS-Neuberger Genesis Fund | 2.94% | 1,545,332 | 99.62M | Sep 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.52% | 1,327,512 | 85.58M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 2.29% | 1,206,557 | 77.78M | Jun 29, 2026 |
| Fidelity Capital Trust-Fidelity Stock Selector Small Cap Fund | 1.55% | 815,855 | 52.59M | Jul 30, 2026 |