Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

CBU stock hub

Community Financial System, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

3.4B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

CBU

In the news

Latest news · CBU

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E12.9

P25 8.8P50 10.4P75 13.1

Trailing P/E15.5

P25 10.9P50 14.7P75 36.2

ROE11.3

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All CBU market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

211

Groups with data

Currency

USD

Showing 211 of 211 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000723188
Company name	Community Financial System, Inc.
Country	United States
Country code	US
Cusip	203607106
Employees	3,001
Employees Change	83%
Employees Change Percent	2.84
Enterprise value	$3.4B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US2036071064
Last refreshed	2026-05-10
Market cap	$3.4B
Market cap category	Mid-Cap
Price	$63.96
Price currency	USD
Rev Per Employee	271,492.5x
Sector	Financials
Sic	6021
Symbol	CBU
Website	https://communityfinancialsystem.com/overview/default.aspx

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	6.52%
EV Earnings	15.69x
EV Sales Forward	3.72x
EV/Sales	4.22x
Forward P/E	12.89x
P/B ratio	1.66x
P/E ratio	15.52x
P/S ratio	4.12x
PE Ratio10 Y	19.01x
PE Ratio3 Y	16.12x
PE Ratio5 Y	17.54x
PS Forward	3.64x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$814.7M
Net Income	$218.9M
Net Income Growth	14.03%
Net Income Growth Q	15.33%
Net Income Growth Quarters	5%
Net Income Growth Years	2%
Net Income Growth3 Y	14.36%
Net Income Growth5 Y	4.36%
Pretax Margin	35.07%
Profit Margin	26.76%
Profit Per Employee	$72,953
Profitable Years	33
ROA	1.26
Roa5y	1.14
ROE	11.3
Roe5y	9.83

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	8.1%
Cagr15y	10.11%
Cagr1y	18.22%
Cagr20y	9.41%
Cagr3y	13.46%
Cagr5y	-1.57%
Div CAGR10	4.25%
Div CAGR3	2.22%
Div CAGR5	2.28%
EPS Growth	14.1
EPS Growth Q	16.13
EPS Growth Quarters	8
EPS Growth Years	2
EPS Growth3 Y	14.97
EPS Growth5 Y	4.59
Revenue Growth	9.81x
Revenue Growth Q	9.54x
Revenue Growth Quarters	8x
Revenue Growth Years	2x
Revenue Growth3 Y	9.2x
Revenue Growth5 Y	6.41x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$17.7B
Cash	$572.2M
Debt	$647.3M
Equity	$2B
Liabilities	$15.7B
Net Cash	$-75.2M
Net Cash By Market Cap	$-2.24
Net Debt Equity	$0.04
Tangible Book Value	$1.1B
Tangible Book Value Per Share	$20.57
WACC	7.24

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-14.7B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0%
Dividend Growth	2.17%
Dividend Growth Years	35%
Dividend per share	$1.88
Dividend Years	43
Dividend Yield	2.94%
Ex Div Date	2026-06-15
Last Dividend	$0.47
Payout Frequency	Quarterly
Payout Ratio	45.63%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	117.87%
1Y total return	18.2%
200-day SMA	59.37
3Y total return	46.09%
50-day SMA	60.44
50-day SMA vs 200-day SMA	50over200
5Y total return	-7.59%
All Time High	82.53
All Time High Change	-22.5%
All Time High Date	2021-03-12
All Time Low	1.69
All Time Low Change	3,689.1%
All Time Low Date	1991-01-07
ATR	1.34
Beta	0.8
Beta1y	0.86
Beta2y	0.87
Ch YTD	11.35
High	64.3
High52	67.5
High52 Date	2026-02-12
High52ch	-5.24%
Low	63.49
Low52	51.12
Low52 Date	2025-08-01
Low52ch	25.12%
Ma50ch	5.83%
Price vs 200-day SMA	7.73%
RSI	61.4
RSI Monthly	56.54
RSI Weekly	58.28
Sharpe ratio	0.64x
Sortino ratio	1.23
Total Return	2.94%
Tr YTD	12.27
Tr15y	323.97%
Tr1m	5.91%
Tr1w	0.53%
Tr3m	-2.87%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	4
Analyst Ratings	Hold
Earnings EPS Estimate	$1.09
Earnings EPS Estimate Growth	11.22
Earnings Revenue Estimate	216,229,336x
Earnings Revenue Estimate Growth	10.18x
Operating Income	$300.6M
Operating margin	36.89
Price target	$68
Price Target Change	$6.32

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	52,032,813%
Float Percent	99.04%
Shares Insiders	0.94%
Shares Institutions	79.61%
Shares Out	52,537,729
Shares Qo Q	0.04%
Shares Yo Y	0%
Short Float	3.83%
Short Ratio	7.71
Short Shares	3.79

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	184,379.95x
Bv Per Share	38.53
Ch10y	64.34
Ch15y	167.7
Ch1m	5.91
Ch1w	0.53
Ch1y	14.48
Ch20y	209.6
Ch3m	-3.66
Ch3y	31.77
Ch5y	-20.96
Ch6m	12.51
Change	0.14%
Change From Open	-0.53
Close	63.87
Days Gap	0.67
Dollar Volume	7,117,724.6
Earnings Date	2026-04-29
Earnings Time	bmo
EPS	$4.12
F Score	2
Fiscal Year End	December
Founded	1,866
Graham Number	59.7636
Graham Upside	-6.56
Income Tax	$67.7M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-29
Last Report Date	2026-03-31
Last Split Date	2004-04-13
Last Split Type	Forward
Last10k Filing Date	2026-02-27
Lynch Fair Value	$20.6
Lynch Upside	-67.79
Ma150	59.89
Ma150ch	6.79%
Ma20	62.97
Ma20ch	1.58%
Next Earnings Date	2026-07-21
Open	64.3
Optionable	Yes
Payment Date	2026-07-10
Position In Range	58.02
Post Close	63.96
Postmarket Change Percent	-0.08
Postmarket Price	$63.91
Price Date	2026-05-08
Ptbv Ratio	3.11
Relative Volume	0.6x
Revenue	814,749,000x
Tax By Revenue	8.31x
Tax Rate	23.69%
Tr20y	503.91%
Tr6m	14.32%
Us State	New York
Volume	111,284

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

CBU dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.9%

$1.88 annual per share

Payout ratio

+45.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+2.3%

35 consecutive years of growth

Total shareholder yield

+2.9%

Next ex-dividend date: 2026-06-15

Performance

CBU stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns CBU?

Insider, institutional, and short-interest positioning.

Institutional ownership

+79.6%

Float: +99.0% of shares outstanding

Insider ownership

+0.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

CBU momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

61.4

Neutral momentum band

Price vs 200-day MA

+7.7%

50/200-day relationship not available

Beta (5Y)

0.80

Less volatile than the market

Sharpe ratio

0.64

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

CBU vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Ridurre
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Ridurre
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Ridurre

Questions

About CBU

Hub-level FAQ points readers to the deeper analysis pages.

What is the current CBU stock rating?

Community Financial System, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full CBU analysis?

The full report lives at /stocks/CBU/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for CBU?

The latest report frames CBU around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the CBU page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.