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Community Financial System, Inc. (CBU)

Profile

Full Name

Community Financial System, Inc.

Ticker

NYSE: CBU

Exchange

NYSE

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

November 26, 1985

Indexes

Not included

Website

https://communityfinancialsystem.com

Employees

2730

Key Details

Price

$57.99(2.17%)

Market Cap

$3.05B(Mid cap)

Last Dividend

$0.47

TTM Dividend Yield

3.19%

Annual Revenue

$943.90M(24.85% YoY)

Annual EPS

$3.44(40.43% YoY)

PE Ratio

14.97

Next earnings date

Jan 20, 2026

Next ex-dividend date

Dec 12, 2025

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $57.99
    CBU price is $57.99

    30-Day Relative Volume

    0.82
    CBU 30-day relative volume is 0.82

    Price Performance

    Price Most Recent Change

    +2.17%
    CBU price was up +2.17% on Dec 1, 2025

    Price YTD Change

    -5.98%
    CBU price is down -5.98% since January 1st

    Price 1-Year Change

    -16.24%
    CBU price is down -16.24% year-on-year

    Price 3-Year Change

    -10.66%
    CBU price is down -10.66% over the past 3 years

    Price Range

    Price All-Time High

    $82.53
    CBU price is currently -29.73% below its historical high of $82.53

    Price 3-Year Low

    $35.38
    CBU price is currently +63.91% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $3.05B
    CBU market cap is $3.05 billion

    Market Cap 3-Year Change

    -12.44%
    CBU market cap is down -12.44% over the past 3 years

    Market Cap All-Time High

    $4.43B
    CBU market cap is currently -31.00% below its historical high of $4.43 billion

    Market Cap Sector Percentile

    80.64%
    CBU market cap is higher than 80.64% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +0.19%
    CBU shares outstanding is up +0.19% year-on-year

    Shares Outstanding 3-Year Change

    -2%
    CBU shares outstanding is down -2% over the past 3 years

    Technical Indicators

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    Beta

    0.90
    CBU beta is 0.90

    200-day SMA

    $57.21
    CBU price is currently +1.36% above its 200-day simple moving average

    50-day SMA

    $57.07
    CBU price is currently +1.61% above its 50-day simple moving average

    14-Day RSI

    56.74
    CBU 14-day relative strength index is 56.74

    Volume

    0.82
    CBU 30-day relative volume is 0.82

    ATR

    $1.51
    CBU average true range is $1.51

    10-day Historical Volatility

    34.63%
    CBU 10-day historical volatility is 34.63%

    Dividend

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    Events

    Last Paid Dividend

    $0.47
    CBU last dividend was $0.47 per share, with an ex-dividend date of September 12, 2025

    Next Dividend

    $0.47
    CBU has announced a dividend of $0.47 per share, with an ex-dividend date set for December 12, 2025

    Dividend per share

    Dividend Per Share

    $1.82
    CBU annual dividend per share is $1.82

    Dividend Per Share Sector Percentile

    82.07%
    CBU annual dividend per share is higher than 82.07% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    +2.25%
    CBU annual dividend per share is up +2.25% year-on-year

    Dividend Per Share 3-Year Change

    +7.06%
    CBU annual dividend per share is up +7.06% over the past 3 years

    Dividend yield

    Dividend Yield

    3.14%
    CBU annual dividend yield is 3.14%

    Dividend Yield Sector Percentile

    35.78%
    CBU annual dividend yield is higher than 35.78% of companies in Financial Services sector

    Other

    Payout Ratio

    52.70%
    CBU annual payout ratio is 52.70%

    Dividends Paid

    $95.78M
    CBU annual dividends paid is $95.78 million

    Free Cash Flow

    $221.57M
    CBU annual free cash flow is $221.57 million

    Income Statement

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    Revenue

    Revenue

    $943.90M
    CBU annual revenue is $943.90 million

    Revenue Analysts Estimate

    $815.99M
    CBU annual revenue is currently +15.68% higher than the consensus analysts' forecast

    Revenue 1-Year Change

    +24.85%
    CBU annual revenue is up +24.85% year-on-year

    Revenue Sector Percentile

    78.24%
    CBU annual revenue is higher than 78.24% of companies in Financial Services sector

    EPS

    EPS

    $3.44
    CBU annual earnings per share is $3.44

    EPS Analysts Estimate

    $4.10
    CBU annual earnings per share is currently -16.18% lower than the consensus analysts' forecast

    EPS 1-Year Change

    +40.43%
    CBU annual earnings per share is up +40.43% year-on-year

    EPS Sector Percentile

    80.3%
    CBU annual earnings per share is higher than 80.3% of companies in Financial Services sector

    Profit

    Gross Profit

    $0.00
    CBU annual gross profit is $0.00

    Gross Margin

    0.00%
    CBU annual gross profit margin is 0.00%

    Operating Profit

    $241.72M
    CBU annual operating income is $241.72 million

    Operating Margin

    25.61%
    CBU annual operating profit margin is 25.61%

    Net Income

    $181.74M
    CBU annual net profit is $181.74 million

    Net Margin

    19.25%
    CBU annual net profit margin is 19.25%

    Expenses

    Total Expenses

    $762.16M
    CBU annual total expenses is $762.16 million

    Operating Expenses

    -$241.72M
    CBU annual total operating expenses is -$241.72 million

    Cost Of Goods Sold

    -
    CBU annual cost of goods sold value is unknown

    Selling, General & Administrative Expenses

    $0.00
    CBU annual SG&A is $0.00

    Depreciation & Amortization

    $28.66M
    CBU annual D&A is $28.66 million

    Interest Expense

    $194.41M
    CBU annual interest expense is $194.41 million

    Income Tax

    $54.22M
    CBU annual income tax is $54.22 million

    EBIT & EBITDA

    EBIT

    $431.12M
    CBU annual earnings before interest & taxes is $431.12 million

    EBITDA

    $459.77M
    CBU annual EBITDA is $459.77 million

    Balance Sheet

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    Assets

    Total Assets

    $16.47B
    CBU annual total assets is $16.47 billion

    Non Current Assets

    $16.06B
    CBU annual long term assets is $16.06 billion

    Current Assets

    $254.13M
    CBU annual total current assets is $254.13 million

    Cash and Cash Equivalents

    $197.00M
    CBU annual cash & cash equivalents is $197.00 million

    Accounts Receivable

    $54.34M
    CBU annual accounts receivable is $54.34 million

    Inventory

    -
    CBU annual inventory value is unknown

    Liabilities

    Total Liabilities

    $14.71B
    CBU annual total liabilities is $14.71 billion

    Long Term Liabilities

    $222.30M
    CBU annual total long term liabilities is $222.30 million

    Current Liabilities

    $8.32B
    CBU annual current liabilities is $8.32 billion

    Accounts Payable

    -
    CBU annual accounts payable value is unknown

    Debt

    Total Debt

    $1.05B
    CBU annual total debt is $1.05 billion

    Total Debt 1-Year Change

    +29.9%
    CBU annual total debt is up +29.9% year-on-year

    Long Term Debt

    $657.45M
    CBU annual long term debt is $657.45 million

    Short Term Debt

    $390.36M
    CBU annual short term debt is $390.36 million

    Equity & Capital

    Shareholders Equity

    $1.76B
    CBU annual stockholders equity is $1.76 billion

    Book Value

    $1.76B
    CBU annual book value is $1.76 billion

    Retained Earnings

    $1.28B
    CBU annual retained earnings is $1.28 billion

    Working Capital

    -$8.07B
    CBU annual working capital is -$8.07 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $242.28M
    CBU annual cash from operations is $242.28 million

    Cash From Operations 1-Year Change

    +6.07%
    CBU annual cash from operations is up +6.07% year-on-year

    Cash From Investing

    -$835.62M
    CBU annual cash from investing is -$835.62 million

    Cash From Investing 1-Year Change

    -348.86%
    CBU annual cash from investing is down -348.86% year-on-year

    Cash From Financing

    $599.38M
    CBU annual cash from financing is $599.38 million

    Cash From Financing 1-Year Change

    +202.79%
    CBU annual cash from financing is up +202.79% year-on-year

    CAPEX

    CAPEX

    $20.70M
    CBU annual capital expenditures is $20.70 million

    CAPEX 1-Year Change

    +11.4%
    CBU annual capital expenditures is up +11.4% year-on-year

    Free Cash Flow

    Free Cash Flow

    $221.57M
    CBU annual free cash flow is $221.57 million

    Free Cash Flow 1-Year Change

    +5.59%
    CBU annual free cash flow is up +5.59% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    0.00%
    CBU annual gross profit margin is 0.00%

    Operating Margin

    25.61%
    CBU annual operating profit margin is 25.61%

    Net Margin

    19.25%
    CBU annual net profit margin is 19.25%

    ROA & ROE

    ROA

    1.13%
    CBU annual return on assets is 1.13%

    ROE

    10.50%
    CBU annual return on equity is 10.50%

    Valuation

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    PE Ratio

    PE Ratio

    14.97
    CBU price to earnings ratio is 14.97

    PE Ratio Sector Percentile

    46.25%
    CBU price to earnings ratio is higher than 46.25% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    1.57
    CBU price to book ratio is 1.57

    PB Ratio Sector Percentile

    77.11%
    CBU price to book ratio is higher than 77.11% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    3.08
    CBU price to sales ratio is 3.08

    PS Ratio Sector Percentile

    72.16%
    CBU price to sales ratio is higher than 72.16% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $3.57B
    CBU enterprise value is $3.57 billion

    Enterprise Value Sector Percentile

    78.21%
    CBU enterprise value is higher than 78.21% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    CBU EV/EBITDA value is unknown

    EV/EBITDA Sector Percentile

    -
    CBU EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current Ratio

    0.03
    CBU annual current ratio is 0.03

    Quick Ratio

    -
    CBU annual quick ratio value is unknown

    Leverage

    Debt To Equity

    0.59
    CBU annual debt to equity ratio is 0.59

    Interest Coverage Ratio

    2.22
    CBU annual interest coverage ratio is 2.22

    Risk & Stability

    F-Score

    5
    CBU piotroski f-score is 5

    Altman Z-Score

    -0.21
    CBU altman z-score is -0.21

    Analyst ratings

    Recent major analysts updates

    Oct 23, 25 Keefe, Bruyette & Woods
    Market Perform
    Jul 23, 25 Keefe, Bruyette & Woods
    Market Perform
    Jan 22, 25 Keefe, Bruyette & Woods
    Market Perform
    Dec 4, 24 Keefe, Bruyette & Woods
    Market Perform
    Oct 28, 24 Raymond James
    Strong Buy
    Sep 10, 24 Keefe, Bruyette & Woods
    Market Perform
    Mar 14, 24 DA Davidson
    Neutral
    Jan 5, 24 Raymond James
    Outperform
    Oct 25, 23 Raymond James
    Outperform
    Oct 25, 23 Piper Sandler
    Underweight

    Institutional Ownership

    Screeners with CBU included

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    • What is the ticker symbol for Community Financial System, Inc.?
    • Does Community Financial System, Inc. pay dividends?
    • What sector is Community Financial System, Inc. in?
    • What industry is Community Financial System, Inc. in?
    • What country is Community Financial System, Inc. based in?
    • When did Community Financial System, Inc. go public?
    • Is Community Financial System, Inc. in the S&P 500?
    • Is Community Financial System, Inc. in the NASDAQ 100?
    • Is Community Financial System, Inc. in the Dow Jones?
    • When was Community Financial System, Inc.'s last earnings report?
    • When does Community Financial System, Inc. report earnings?

    What is the ticker symbol for Community Financial System, Inc.?

    The ticker symbol for Community Financial System, Inc. is NYSE:CBU

    Does Community Financial System, Inc. pay dividends?

    Yes, Community Financial System, Inc. pays dividends. The last payment was $0.47, with an ex-dividend date on September 12, 2025

    What sector is Community Financial System, Inc. in?

    Community Financial System, Inc. is in the Financial Services sector

    What industry is Community Financial System, Inc. in?

    Community Financial System, Inc. is in the Regional Banks industry

    What country is Community Financial System, Inc. based in?

    Community Financial System, Inc. is headquartered in United States

    When did Community Financial System, Inc. go public?

    Community Financial System, Inc.'s initial public offering (IPO) was on November 26, 1985

    Is Community Financial System, Inc. in the S&P 500?

    No, Community Financial System, Inc. is not included in the S&P 500 index

    Is Community Financial System, Inc. in the NASDAQ 100?

    No, Community Financial System, Inc. is not included in the NASDAQ 100 index

    Is Community Financial System, Inc. in the Dow Jones?

    No, Community Financial System, Inc. is not included in the Dow Jones index

    When was Community Financial System, Inc.'s last earnings report?

    Community Financial System, Inc.'s most recent earnings report was on October 21, 2025

    When does Community Financial System, Inc. report earnings?

    The next expected earnings date for Community Financial System, Inc. is January 20, 2026
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