Community Financial System Management
Management criteria checks 4/4
Community Financial System's CEO is Dimitar Karaivanov, appointed in Jan 2024, has a tenure of 2.42 years. total yearly compensation is $2.79M, comprised of 32.2% salary and 67.8% bonuses, including company stock and options. directly owns 0.051% of the company’s shares, worth $1.75M. The average tenure of the management team and the board of directors is 3.2 years and 5.5 years respectively.
Key information
Dimitar Karaivanov
Chief executive officer
US$2.8m
Total compensation
| CEO salary percentage | 32.21% |
| CEO tenure | 2.4yrs |
| CEO ownership | 0.05% |
| Management average tenure | 3.2yrs |
| Board average tenure | 5.5yrs |
Recent management updates
Recent updates
Community Financial System (NYSE:CBU) Is Paying Out A Dividend Of $0.47
The board of Community Financial System, Inc. ( NYSE:CBU ) has announced that it will pay a dividend of $0.47 per share...Community Financial System: Still Offering Growth At A Reasonable Price
Summary Community Financial System continues to benefit from favorable balance sheet repricing, driving strong interest margin expansion and earnings growth. CBU's diversified revenue mix, with around 40% from non-interest income, is also being supported by buoyant asset markets. Credit quality remains robust, with net charge-offs at 0.09% and non-performing loans at 0.52%. Shares trade at a reasonable 14.6x trailing earnings, with NIM-driven growth and a 3% dividend yield giving investors a good shot at realizing a double-digit annualized return. Read the full article on Seeking AlphaCommunity Financial System (NYSE:CBU) Is Due To Pay A Dividend Of $0.47
Community Financial System, Inc. ( NYSE:CBU ) will pay a dividend of $0.47 on the 10th of April. This means that the...Community Financial System (NYSE:CBU) Is Increasing Its Dividend To $0.47
Community Financial System, Inc. ( NYSE:CBU ) has announced that it will be increasing its dividend from last year's...Community Financial System (NYSE:CBU) Is Increasing Its Dividend To $0.47
Community Financial System, Inc. ( NYSE:CBU ) has announced that it will be increasing its periodic dividend on the...Community Financial System: Earnings Outlook Is Positive, But Stock Appears Fairly Valued (Rating Downgrade)
Summary The upcoming maturity of fixed-rate loans and the subsequent reinvestment will boost the margin. Interest rate cuts and strong labor markets bode well for loan growth. The December 2025 target price suggests a single-digit upside from the current market price. CBU is offering a dividend yield of 3.0%. The payout ratiois in line with the historical average. Read the full article on Seeking Alpha
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
Summary Community Financial System has a history of increasing dividends for 32 years, conservative management, and sustainable dividend yield, making it a reliable choice for investors. But it is still a bit expensive. Fear of recession prompts investors to seek passive income, with some regional banks offering high dividend yields. CBU stands out as a strong bank with low-cost deposits and a focus on consumer loans. Read the full article on Seeking AlphaCommunity Financial System's (NYSE:CBU) Dividend Will Be Increased To $0.46
The board of Community Financial System, Inc. ( NYSE:CBU ) has announced that the dividend on 10th of October will be...Community Bank System: The Cost Of Total Deposits Remains Incredibly Low
Summary Community Bank System reported positive Q4 results, with revenue beating expectations and a low-risk loan portfolio. CBU is taking advantage of competitors' lack of liquidity to expand in larger metropolitan areas and increase lending opportunities. The bank has a low cost of deposits, stable net interest margin (NIM), and a history of increasing dividends and share buybacks. Read the full article on Seeking AlphaThe Community Bank System, Inc. (NYSE:CBU) Yearly Results Are Out And Analysts Have Published New Forecasts
Community Bank System, Inc. ( NYSE:CBU ) came out with its yearly results last week, and we wanted to see how the...CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$219m |
| Dec 31 2025 | US$3m | US$900k | US$211m |
| Sep 30 2025 | n/a | n/a | US$205m |
| Jun 30 2025 | n/a | n/a | US$194m |
| Mar 31 2025 | n/a | n/a | US$192m |
| Dec 31 2024 | US$3m | US$893k | US$183m |
| Sep 30 2024 | n/a | n/a | US$166m |
| Jun 30 2024 | n/a | n/a | US$166m |
| Mar 31 2024 | n/a | n/a | US$166m |
| Dec 31 2023 | US$1m | US$542k | US$132m |
| Sep 30 2023 | n/a | n/a | US$150m |
| Jun 30 2023 | n/a | n/a | US$155m |
| Mar 31 2023 | n/a | n/a | US$146m |
| Dec 31 2022 | US$1m | US$501k | US$188m |
| Sep 30 2022 | n/a | n/a | US$179m |
| Jun 30 2022 | n/a | n/a | US$175m |
| Mar 31 2022 | n/a | n/a | US$183m |
| Dec 31 2021 | US$2m | US$270k | US$189m |
Compensation vs Market: Dimitar's total compensation ($USD2.79M) is below average for companies of similar size in the US market ($USD7.00M).
Compensation vs Earnings: Dimitar's compensation has been consistent with company performance over the past year.
CEO
Dimitar Karaivanov (44 yo)
Mr. Dimitar A. Karaivanov serves as President, CEO & Director at Community Financial System, Inc. (formerly known as Community Bank System, Inc.) & Community Bank, National Association since January 01, 20...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 2.4yrs | US$2.79m | 0.051% $ 1.8m | |
| Executive VP | 1.3yrs | US$1.00m | 0.0047% $ 161.0k | |
| Executive VP & Chief Human Resources Officer and Administration officer | 4.7yrs | US$2.43m | 0.013% $ 448.0k | |
| Executive VP & General Counsel | 3.9yrs | US$1.11m | 0.021% $ 702.5k | |
| Executive Officer | 4.4yrs | US$1.17m | 0.024% $ 825.7k | |
| Senior VP | 8.6yrs | no data | no data | |
| Senior VP & Chief Accounting Officer | 1.8yrs | no data | 0.012% $ 393.0k | |
| Chief Compliance Officer | no data | no data | no data | |
| Senior VP & Chief Risk Officer | 3.2yrs | no data | no data | |
| Senior VP | 2.4yrs | no data | 0.024% $ 827.4k | |
| Corporate Secretary & Senior Associate General Counsel | no data | no data | no data | |
| VP of Finance & Director of Financial Planning and Analysis | no data | no data | no data |
Experienced Management: CBU's management team is considered experienced (3.2 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 2.4yrs | US$2.79m | 0.051% $ 1.8m | |
| Independent Chair of the Board | 10.5yrs | US$191.17k | 0.092% $ 3.1m | |
| Independent Director | less than a year | US$17.50k | 0.00033% $ 11.3k | |
| Independent Director | less than a year | no data | 0.000070% $ 2.4k | |
| Independent Director | 16.3yrs | US$161.17k | 0.26% $ 9.0m | |
| Independent Director | 16.3yrs | US$163.17k | 0.021% $ 731.5k | |
| Independent Director | 16.3yrs | US$158.17k | 0.20% $ 6.7m | |
| Independent Director | 1.7yrs | US$149.92k | 0.000030% $ 1.0k | |
| Independent Director | 9.1yrs | US$154.42k | 0.043% $ 1.5m | |
| Lead Independent Director | 6.6yrs | US$176.61k | 0.0057% $ 194.8k | |
| Independent Director | 4.5yrs | US$158.30k | 0.0092% $ 313.6k | |
| Independent Director | 2.3yrs | US$166.80k | 0.00019% $ 6.5k |
Experienced Board: CBU's board of directors are considered experienced (5.5 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/11 19:32 |
| End of Day Share Price | 2026/06/11 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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 |
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| Ownership | 10 years |
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| Management | 10 years |
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| 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
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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 10 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 |
|---|---|
| Daniel Cardenas | Brean Capital Historical (Janney Montgomery) |
| null null | D.A. Davidson & Co. |
| Jacob Civiello | D.A. Davidson & Co. |