Community Financial System Future Growth

Future criteria checks 0/6

We currently don't have sufficient analyst coverage to forecast growth and revenue for Community Financial System.

Key information

n/a

Earnings growth rate

n/a

EPS growth rate

Banks earnings growth	7.8%
Revenue growth rate	n/a
Future return on equity	n/a
Analyst coverage	Low
Last updated	n/a

Recent future growth updates

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Jan 26

Recent updates

Community Financial System: Network Expansion, Deposit Re-Pricing Are The Biggest Earnings Catalysts

Jun 29

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Nov 03

Strategic Acquisitions And Diverse Revenue Streams Poised For Robust Earnings Growth

Sep 24 Focusing on both organic and inorganic growth through acquisitions and a diversified revenue stream enhances future earnings and market share.

Community Financial System: A Solid Dividend Aristocrat, But Still Too Expensive

Aug 11

Community Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46

Jul 22

Community Bank System: The Cost Of Total Deposits Remains Incredibly Low

Jan 28

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Jan 26

Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged

Sep 15

Community Bank System Enjoys A Bright Top Line Outlook But Appears Fairly Valued

Nov 14

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Community Financial System has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

Earnings and Revenue Growth Forecasts

NYSE:CBU - Analysts future estimates and past financials data (USD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
3/31/2025	742	190	196	225	N/A
12/31/2024	724	182	222	242	N/A
9/30/2024	706	166	203	221	N/A
6/30/2024	698	166	209	229	N/A
3/31/2024	691	166	214	231	N/A
12/31/2023	641	131	210	228	N/A
9/30/2023	641	150	238	255	N/A
6/30/2023	639	155	220	235	N/A
3/31/2023	626	146	226	240	N/A
12/31/2022	665	188	202	215	N/A
9/30/2022	649	179	179	193	N/A
6/30/2022	636	175	200	213	N/A
3/31/2022	631	183	178	193	N/A
12/31/2021	629	189	189	203	N/A
9/30/2021	625	192	191	207	N/A
6/30/2021	618	190	157	172	N/A
3/31/2021	597	177	202	215	N/A
12/31/2020	582	164	165	179	N/A
9/30/2020	576	161	189	199	N/A
6/30/2020	572	157	202	208	N/A
3/31/2020	584	167	187	195	N/A
12/31/2019	581	169	197	203	N/A
9/30/2019	573	166	174	183	N/A
6/30/2019	567	170	187	199	N/A
3/31/2019	560	170	183	195	N/A
12/31/2018	559	168	N/A	221	N/A
9/30/2018	554	199	N/A	219	N/A
6/30/2018	549	191	N/A	210	N/A
3/31/2018	536	164	N/A	208	N/A
12/31/2017	507	150	N/A	190	N/A
9/30/2017	479	105	N/A	171	N/A
6/30/2017	450	96	N/A	158	N/A
3/31/2017	427	105	N/A	151	N/A
12/31/2016	421	103	N/A	136	N/A
9/30/2016	410	97	N/A	139	N/A
6/30/2016	395	95	N/A	133	N/A
3/31/2016	381	93	N/A	122	N/A
12/31/2015	365	91	N/A	120	N/A
9/30/2015	360	94	N/A	114	N/A
6/30/2015	358	91	N/A	119	N/A
3/31/2015	357	91	N/A	117	N/A
12/31/2014	356	91	N/A	122	N/A
9/30/2014	370	83	N/A	122	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if CBU's forecast earnings growth is above the savings rate (2.9%).

Earnings vs Market: Insufficient data to determine if CBU's earnings are forecast to grow faster than the US market

High Growth Earnings: Insufficient data to determine if CBU's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if CBU's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if CBU's revenue is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if CBU's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/07/05 07:07
End of Day Share Price	2025/07/03 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Community Financial System, Inc. is covered by 13 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Erik Zwick	Boenning & Scattergood, Inc.
Manuel Navas	D.A. Davidson & Co.
null null	D.A. Davidson & Co.

Community Financial System Future Growth

Future criteria checks 0/6

Key information

Recent future growth updates

Price target increased by 7.5% to US$64.75

Price target increased by 8.2% to US$56.75

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Price target increased by 8.4% to US$52.43

Price target increased by 9.4% to US$48.36

Price target increased by 7.3% to US$56.86

Recent updates

New major risk - Revenue and earnings growth

Community Financial System: Network Expansion, Deposit Re-Pricing Are The Biggest Earnings Catalysts

Community Financial System, Inc. to Report Q2, 2025 Results on Jul 22, 2025

Upcoming dividend of US$0.46 per share

First quarter 2025 earnings: EPS exceeds analyst expectations

Fourth quarter dividend of US$0.46 announced

Community Financial System, Inc. Announces Quarterly Dividend, Payable on July 10,2025

Community Financial System, Inc., Annual General Meeting, May 21, 2025

Community Financial System, Inc. to Report Q1, 2025 Results on Apr 29, 2025

Community Financial System, Inc. and Community Bank, N.A. Announce Executive Changes

Upcoming dividend of US$0.46 per share

Full year 2024 earnings: Revenues and EPS in line with analyst expectations

Community Financial System, Inc. Announces Retirement of Susan E. Skerritt as Member of the Board of Directors

Full year 2024 earnings released

New major risk - Revenue and earnings growth

Third quarter dividend of US$0.46 announced

Community Financial System, Inc. Announces Quarterly Cash Dividend, Payable on April 10, 2025

Community Financial System, Inc. to Report Fiscal Year 2024 Results on Jan 21, 2025

Upcoming dividend of US$0.46 per share

Executive VP exercised options and sold US$441k worth of stock

Investor sentiment improves as stock rises 17%

Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)

Price target increased by 7.5% to US$64.75

Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Second quarter dividend of US$0.46 announced

Community Financial System, Inc. Announces Quarterly Dividend on Common Stock, Payable on January 10, 2025

Community Financial System, Inc. Appoints Savneet Singh as Independent Director, Effective October 1, 2024

Strategic Acquisitions And Diverse Revenue Streams Poised For Robust Earnings Growth

Community Financial System, Inc. to Report Q3, 2024 Results on Oct 22, 2024

Upcoming dividend of US$0.46 per share

Community Financial System: A Solid Dividend Aristocrat, But Still Too Expensive

Now 22% undervalued

Price target increased by 8.2% to US$56.75

Community Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46

First quarter dividend increased to US$0.46

Community Financial System, Inc. Announces Quarterly Dividend, Payable on October 10, 2024

Investor sentiment improves as stock rises 18%

Community Financial System, Inc. to Report Q2, 2024 Results on Jul 23, 2024

Upcoming dividend of US$0.45 per share

First quarter dividend of US$0.45 announced

Community Bank System, Inc. Declares Quarterly Dividend, Payable on July 10, 2024

First quarter 2024 earnings: EPS misses analyst expectations

Community Bank System, Inc., Annual General Meeting, May 15, 2024

Community Bank System, Inc. to Report Q1, 2024 Results on Apr 23, 2024

Upcoming dividend of US$0.45 per share

Full year 2023 earnings: EPS misses analyst expectations

Fourth quarter dividend of US$0.45 announced

Community Bank System, Inc. Announces Quarterly Dividend, Payable on April 10, 2024

Community Bank Appoints Dan Kennell as New Commercial Banking Officer

Community Bank System: The Cost Of Total Deposits Remains Incredibly Low

The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts

Full year 2023 earnings: EPS misses analyst expectations

Community Bank System, Inc. Reports Net Charge-Offs for the Fourth Quarter 2023

Community Bank System, Inc. Elects Michele Sullivan as Independent Director, Effective as of February 1, 2024

Price target increased by 8.4% to US$52.43

Community Bank Names Jeff Levy as New Chief Banking Officer

Now 21% undervalued

Price target increased by 9.4% to US$48.36

Community Bank System, Inc. to Report Fiscal Year 2023 Results on Jan 23, 2024

Upcoming dividend of US$0.45 per share at 3.8% yield

Insufficient new directors

Community Bank System, Inc. Announces its Quarterly Dividend, Payable on January 10, 2024

Third quarter 2023 earnings: EPS misses analyst expectations

Community Bank System, Inc. Reports Net Charge-Offs for the Third Quarter 2023

Community Bank System, Inc. to Report Q3, 2023 Results on Oct 24, 2023

Price target increased by 7.3% to US$56.86

Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged

Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.45

Upcoming dividend of US$0.45 per share at 4.0% yield