Community Financial System (CBU) Stock Overview
Operates as the bank holding company for Community Bank, N.A. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 3/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
No risks detected for CBU from our risk checks.
CBU Community Fair Values
Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.
Community Financial System, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$56.42 |
| 52 Week High | US$73.39 |
| 52 Week Low | US$49.44 |
| Beta | 0.81 |
| 1 Month Change | -3.44% |
| 3 Month Change | -2.79% |
| 1 Year Change | -5.37% |
| 3 Year Change | -17.83% |
| 5 Year Change | -6.09% |
| Change since IPO | 1,028.40% |
Recent News & Updates
Community Financial System (NYSE:CBU) Is Increasing Its Dividend To $0.47
Aug 04
Community Financial System (NYSE:CBU) Is Increasing Its Dividend To $0.47
Jul 21Recent updates
Community Financial System (NYSE:CBU) Is Increasing Its Dividend To $0.47
Aug 04Community Financial System (NYSE:CBU) Is Increasing Its Dividend To $0.47
Jul 21Community Financial System: Network Expansion, Deposit Re-Pricing Are The Biggest Earnings Catalysts
Jun 29Community 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
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 11Community Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46
Jul 22Community Bank System: The Cost Of Total Deposits Remains Incredibly Low
Jan 28The Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts
Jan 26Community Bank: Upgrading To Buy But Keeping Earnings Estimate Largely Unchanged
Sep 15Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.45
Sep 07Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45
Aug 01Community Bank System declares $0.44 dividend
Feb 15Community Bank System Q4 2022 Earnings Preview
Jan 23Shareholder Returns
| CBU | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.2% | 1.6% | 1.3% |
| 1Y | -5.4% | 21.7% | 16.1% |
Return vs Industry: CBU underperformed the US Banks industry which returned 22.8% over the past year.
Return vs Market: CBU underperformed the US Market which returned 17% over the past year.
Price Volatility
| CBU volatility | |
|---|---|
| CBU Average Weekly Movement | 3.8% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 6.4% |
| 10% most volatile stocks in US Market | 17.2% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: CBU has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CBU's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1866 | 2,824 | Dimitar Karaivanov | communityfinancialsystem.com |
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 municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits.
Community Financial System, Inc. Fundamentals Summary
| CBU fundamental statistics | |
|---|---|
| Market cap | US$2.98b |
| Earnings (TTM) | US$193.74m |
| Revenue (TTM) | US$756.01m |
Is CBU overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CBU income statement (TTM) | |
|---|---|
| Revenue | US$756.01m |
| Cost of Revenue | US$0 |
| Gross Profit | US$756.01m |
| Other Expenses | US$562.27m |
| Earnings | US$193.74m |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.67 |
| Gross Margin | 100.00% |
| Net Profit Margin | 25.63% |
| Debt/Equity Ratio | 47.8% |
How did CBU perform over the long term?
See historical performance and comparisonDividends
Does CBU pay a reliable dividends?
See CBU dividend history and benchmarks| Community Financial System dividend dates | |
|---|---|
| Ex Dividend Date | Sep 12 2025 |
| Dividend Pay Date | Oct 10 2025 |
| Days until Ex dividend | 25 days |
| Days until Dividend pay date | 53 days |
Does CBU pay a reliable dividends?
See CBU dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/08/18 03:11 |
| End of Day Share Price | 2025/08/15 00:00 |
| Earnings | 2025/06/30 |
| 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 |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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 14 analysts. 4 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. |