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 | 4/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for CBU from our risk checks.
My Notes
Capture your thoughts, links and company narrative
Community Narratives
Create a narrativeNarratives bring a range of perspectives from our community.
Community Financial System, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$62.98 |
| 52 Week High | US$73.39 |
| 52 Week Low | US$41.50 |
| Beta | 0.66 |
| 1 Month Change | -11.12% |
| 3 Month Change | 9.53% |
| 1 Year Change | 17.35% |
| 3 Year Change | -15.88% |
| 5 Year Change | -11.22% |
| Change since IPO | 1,159.60% |
Recent News & Updates
Recent updates
Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)
Nov 03Community 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 22
Community 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 23Community Bank System Enjoys A Bright Top Line Outlook But Appears Fairly Valued
Nov 14Community Bank System Non-GAAP EPS of $0.94 beats by $0.02, revenue of $175.37M beats by $2.01M
Oct 24Community Bank System's (NYSE:CBU) Shareholders Will Receive A Bigger Dividend Than Last Year
Sep 11Community Bank's Earnings Will Likely Grow Next Year But Stock Appears Overvalued
Jul 30Community Bank System's (NYSE:CBU) Dividend Will Be Increased To $0.44
Jul 24Community Bank System raises quarterly dividend by 2.3%
Jul 20Shareholder Returns
| CBU | US Banks | US Market | |
|---|---|---|---|
| 7D | -3.5% | -3.4% | -2.2% |
| 1Y | 17.3% | 29.3% | 23.9% |
Return vs Industry: CBU underperformed the US Banks industry which returned 29.3% over the past year.
Return vs Market: CBU underperformed the US Market which returned 23.9% over the past year.
Price Volatility
| CBU volatility | |
|---|---|
| CBU Average Weekly Movement | 6.1% |
| Banks Industry Average Movement | 5.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.0% |
| 10% least volatile stocks in US Market | 3.1% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1866 | 2,768 | 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$3.31b |
| Earnings (TTM) | US$165.75m |
| Revenue (TTM) | US$706.34m |
20.0x
P/E Ratio1.9x
P/B RatioIs CBU overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CBU income statement (TTM) | |
|---|---|
| Revenue | US$706.34m |
| Cost of Revenue | US$0 |
| Gross Profit | US$706.34m |
| Other Expenses | US$540.59m |
| Earnings | US$165.75m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
Jan 21, 2025
| Earnings per share (EPS) | 3.15 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.47% |
| Debt/Equity Ratio | 53.4% |
How did CBU perform over the long term?
See historical performance and comparisonDividends
2.9%
Current Dividend Yield58%
Payout RatioDoes CBU pay a reliable dividends?
See CBU dividend history and benchmarks| Community Financial System dividend dates | |
|---|---|
| Ex Dividend Date | Dec 13 2024 |
| Dividend Pay Date | Jan 10 2025 |
| Days until Ex dividend | 12 days |
| Days until Dividend pay date | 16 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 | 2024/12/24 23:54 |
| End of Day Share Price | 2024/12/24 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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.
| Analyst | Institution |
|---|---|
| Erik Zwick | Boenning & Scattergood, Inc. |
| Manuel Navas | D.A. Davidson & Co. |
| Russell Elliott Gunther | D.A. Davidson & Co. |