company background image
CBU logo

Community Financial System NYSE:CBU Stock Report

Last Price

US$62.64

Market Cap

US$3.3b

7D

-7.3%

1Y

18.0%

Updated

23 Dec, 2024

Data

Company Financials +

Community Financial System, Inc.

NYSE:CBU Stock Report

Market Cap: US$3.3b

CBU Stock Overview

Operates as the bank holding company for Community Bank, N.A. More details

CBU fundamental analysis
Snowflake Score
Valuation2/6
Future Growth3/6
Past Performance4/6
Financial Health6/6
Dividends5/6

My Notes

Capture your thoughts, links and company narrative

Community Narratives

Create a narrative

Narratives bring a range of perspectives from our community.

US$70.17
FV
10.7% undervalued intrinsic discount
10.71%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
5 days ago author updated this narrative

Community Financial System, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Community Financial System
Historical stock prices
Current Share PriceUS$62.64
52 Week HighUS$73.39
52 Week LowUS$41.50
Beta0.66
1 Month Change-11.60%
3 Month Change8.28%
1 Year Change17.99%
3 Year Change-16.38%
5 Year Change-11.86%
Change since IPO1,152.80%

Recent News & Updates

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

Nov 03

Recent updates

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

Nov 03

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

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

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

Sep 15

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

Sep 07
Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.45

Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45

Aug 01
Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45

Community Bank System declares $0.44 dividend

Feb 15

Community Bank System Q4 2022 Earnings Preview

Jan 23

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

Nov 14

Community Bank System Non-GAAP EPS of $0.94 beats by $0.02, revenue of $175.37M beats by $2.01M

Oct 24

Community Bank System's (NYSE:CBU) Shareholders Will Receive A Bigger Dividend Than Last Year

Sep 11
Community Bank System's (NYSE:CBU) Shareholders Will Receive A Bigger Dividend Than Last Year

Community Bank's Earnings Will Likely Grow Next Year But Stock Appears Overvalued

Jul 30

Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.44

Jul 24
Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.44

Community Bank System raises quarterly dividend by 2.3%

Jul 20

Shareholder Returns

CBUUS BanksUS Market
7D-7.3%-3.5%-2.7%
1Y18.0%29.1%23.4%

Return vs Industry: CBU underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: CBU underperformed the US Market which returned 23.4% over the past year.

Price Volatility

Is CBU's price volatile compared to industry and market?
CBU volatility
CBU Average Weekly Movement6.2%
Banks Industry Average Movement5.2%
Market Average Movement6.3%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.2%

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 (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18662,768Dimitar Karaivanovcommunityfinancialsystem.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

How do Community Financial System's earnings and revenue compare to its market cap?
CBU fundamental statistics
Market capUS$3.29b
Earnings (TTM)US$165.75m
Revenue (TTM)US$706.34m

19.9x

P/E Ratio

1.8x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CBU income statement (TTM)
RevenueUS$706.34m
Cost of RevenueUS$0
Gross ProfitUS$706.34m
Other ExpensesUS$540.59m
EarningsUS$165.75m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Jan 21, 2025

Earnings per share (EPS)3.15
Gross Margin100.00%
Net Profit Margin23.47%
Debt/Equity Ratio53.4%

How did CBU perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

58%

Payout Ratio

Does CBU pay a reliable dividends?

See CBU dividend history and benchmarks
When do you need to buy CBU by to receive an upcoming dividend?
Community Financial System dividend dates
Ex Dividend DateDec 13 2024
Dividend Pay DateJan 10 2025
Days until Ex dividend10 days
Days until Dividend pay date18 days

Does CBU pay a reliable dividends?

See CBU dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 07:43
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Community Financial System, Inc. is covered by 18 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Erik ZwickBoenning & Scattergood, Inc.
Manuel NavasD.A. Davidson & Co.
Russell Elliott GuntherD.A. Davidson & Co.