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CBU

Community Financial System Inc

Jun 30 • 04:00PM ET

56.87

Dollar change -0.24
Percentage change -0.42	%

Financial • Banks - Regional • USA • NYSE

Peers: FNB FFBC SRCE UBSI HBAN PNFP HOMB CBSH SFNC FULT

| Held by: IJR VTI IWM VB VBR VXF SDY SPSM IWN IJT

Scroll to Statements

Index	RUT	P/E	15.79	EPS (ttm)	3.60	Insider Own	1.33%	Shs Outstand	52.84M	Perf Week	1.90%
Market Cap	3.01B	Forward P/E	11.96	EPS next Y	4.76	Insider Trans	-0.16%	Shs Float	52.15M	Perf Month	0.34%
Enterprise Value	-	PEG	-	EPS next Q	1.01	Inst Own	73.64%	Short Float	2.99%	Perf Quarter	0.21%
Income	190.45M	P/S	3.13	EPS this Y	18.76%	Inst Trans	0.58%	Short Ratio	7.19	Perf Half Y	-9.70%
Sales	959.99M	P/B	1.64	EPS next Y	16.78%	ROA	1.17%	Short Interest	1.56M	Perf YTD	-7.80%
Book/sh	34.71	P/C	-	EPS next 5Y	-	ROE	10.91%	52W High	73.39 -22.51%	Perf Year	26.01%
Cash/sh	-	P/FCF	15.32	EPS past 3/5Y	-0.41% 1.26%	ROIC	7.84%	52W Low	45.64 24.61%	Perf 3Y	-8.53%
Dividend Est.	1.86 (3.26%)	EV/EBITDA	-	Sales past 3/5Y	14.03% 8.80%	Gross Margin	-	Volatility	1.64% 1.94%	Perf 5Y	2.91%
Dividend TTM	1.84 (3.24%)	EV/Sales	-	EPS Y/Y TTM	12.98%	Oper. Margin	25.87%	ATR (14)	1.23	Perf 10Y	51.37%
Dividend Ex-Date	Jun 13, 2025	Quick Ratio	-	Sales Y/Y TTM	14.34%	Profit Margin	19.84%	RSI (14)	54.34	Recom	2.33
Dividend Gr. 3/5Y	2.30% 2.87%	Current Ratio	0.15	EPS Q/Q	22.16%	SMA20	1.48%	Beta	0.80	Target Price	66.33
Payout	52.96%	Debt/Eq	0.47	Sales Q/Q	9.20%	SMA50	1.39%	Rel Volume	0.71	Prev Close	57.11
Employees	2918	LT Debt/Eq	0.32	Earnings	Jul 22 BMO	SMA200	-5.74%	Avg Volume	216.49K	Price	56.87
IPO	Nov 26, 1985	Option/Short	Yes / Yes	EPS/Sales Surpr.	7.69% -0.57%	Trades		Volume	153,935	Change	-0.42%

Date	Action	Analyst	Rating Change	Price Target Change
Dec-05-24	Resumed	Piper Sandler	Neutral	$70
Oct-28-24	Upgrade	Raymond James	Mkt Perform → Strong Buy	$67
Jul-24-24	Downgrade	Raymond James	Outperform → Mkt Perform
Jun-28-23	Upgrade	Hovde Group	Market Perform → Outperform
Jun-06-23	Upgrade	Raymond James	Mkt Perform → Outperform	$55
Mar-14-23	Initiated	Janney	Buy	$66
Dec-21-22	Initiated	Raymond James	Mkt Perform
May-02-22	Downgrade	Piper Sandler	Neutral → Underweight	$74 → $66
Jan-10-22	Resumed	Keefe Bruyette	Mkt Perform	$75
Jun-01-20	Resumed	Stephens	Equal-Weight	$62
Mar-30-20	Downgrade	Hovde Group	Outperform → Market Perform	$65
Mar-02-20	Upgrade	Hovde Group	Market Perform → Outperform	$72 → $70
Apr-10-19	Initiated	Stephens	Equal-Weight
Jul-24-18	Downgrade	Hovde Group	Outperform → Market Perform
Mar-28-18	Upgrade	Hovde Group	Market Perform → Outperform	$58
Dec-21-17	Upgrade	Sandler O'Neill	Sell → Hold
May-16-17	Reiterated	RBC Capital Mkts	Sector Perform	$41 → $56
Jan-12-17	Downgrade	Sandler O'Neill	Hold → Sell
Oct-25-16	Reiterated	Hovde Group	Market Perform	$43 → $49
Jul-26-16	Reiterated	Hovde Group	Market Perform	$38 → $43

Show Previous Ratings

Jun-25-25 06:45AM	Santander Bank Announces Agreement to Sell Seven Branches to Community Bank, N.A. (Business Wire)
06:45AM	Community Bank Accelerates Greater Lehigh Valley PA Expansion (Business Wire)
Jun-24-25 02:09AM	CBU Q1 Deep Dive: Diversified Operations, Margin Expansion, and Prudent Growth Amid Uncertainty (StockStory)
Jun-23-25 10:05AM	Community Financial System Announces Second Quarter 2025 Earnings Conference Call (GlobeNewswire)
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12:02AM	Community Bank (CBU): Buy, Sell, or Hold Post Q1 Earnings? (StockStory)
Jun-09-25 09:10AM	3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income (Zacks)
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May-19-25 09:10AM	Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks (Zacks)
May-13-25 12:00PM	Community Financial (CBU) Upgraded to Buy: What Does It Mean for the Stock? (Zacks)
09:10AM	Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks (Zacks)
May-08-25 02:30AM	U.S. Bank Stocks Weather April Tariff Storms (Seeking Alpha)
May-07-25 09:10AM	3 Top Dividend Stocks to Maximize Your Retirement Income (Zacks)
May-01-25 09:10AM	How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks (Zacks)
03:14AM	Loading…
Apr-30-25 03:14AM	Community Financial System Inc (CBU) Q1 2025 Earnings Call Highlights: Strong Revenue Growth ... (GuruFocus.com)
Apr-29-25 04:17PM	Community Financial System, Inc. (CBU) Q1 2025 Earnings Call Transcript (Seeking Alpha)
09:30AM	Community Financial (CBU) Reports Q1 Earnings: What Key Metrics Have to Say (Zacks)
07:55AM	Community Financial System (CBU) Tops Q1 Earnings Estimates (Zacks)
06:45AM	Community Financial System, Inc. Reports First Quarter 2025 Results (Business Wire)
Apr-28-25 10:00PM	What To Expect From Community Financial System Inc (CBU) Q1 2025 Earnings (GuruFocus.com)
10:00PM	Earnings To Watch: Community Financial System Inc (CBU) Reports Q1 2025 Result (GuruFocus.com)
10:00PM	Community Financial System Inc (CBU) Q1 2025: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
01:15PM	Global Trust Company Expands Team to Accelerate Distribution Strategy (PR Newswire)
Apr-24-25 09:10AM	3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income (Zacks)
Apr-18-25 09:10AM	How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks (Zacks)
Apr-16-25 04:30PM	Community Financial System, Inc. Announces Quarterly Dividend (Business Wire)
Apr-15-25 04:30PM	BPAS Achieves CEFEX Certification (PR Newswire)
Apr-12-25 01:15AM	Community Financial System: Shares Look Cheap On Margin Expansion Potential (Seeking Alpha)
Apr-07-25 09:10AM	3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income (Zacks)
12:54AM	Loading…
Apr-06-25 12:54AM	Dividend Champion, Contender, And Challenger Highlights: Week Of April 6 (Seeking Alpha)
Mar-31-25 09:10AM	3 Top Dividend Stocks to Maximize Your Retirement Income (Zacks)
Mar-24-25 10:05AM	Community Financial System Announces First Quarter 2025 Earnings Conference Call (GlobeNewswire)
09:10AM	3 Top Dividend Stocks to Maximize Your Retirement Income (Zacks)
Mar-11-25 06:45AM	Community Financial System, Inc. Appoints Marya Burgio Wlos as Executive Vice President and Chief Financial Officer (Business Wire)
Jan-21-25 06:45AM	Community Financial System, Inc. Reports Fourth Quarter and Full Year 2024 Results (Business Wire)
Jan-20-25 07:02AM	Community Financial System Inc (CBU) Q4 2024 Earnings Report Preview: What To Expect (GuruFocus.com)
Jan-16-25 08:32AM	Implied Volatility Surging for Community Financial System (CBU) Stock Options (Zacks)
Jan-15-25 04:30PM	Community Financial System, Inc. Announces Quarterly Dividend (Business Wire)
Jan-09-25 12:00PM	Community Financial (CBU) Upgraded to Strong Buy: Here's Why (Zacks)
Dec-19-24 10:05AM	Community Financial System Announces Fourth Quarter and Full Year 2024 Earnings Conference Call (GlobeNewswire)
Nov-06-24 12:00PM	Community Financial (CBU) Upgraded to Buy: Here's What You Should Know (Zacks) +13.81%
Oct-23-24 09:55AM	Community Financial (CBU) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now (Zacks)
Oct-22-24 06:45AM	Community Financial System, Inc. Reports Third Quarter 2024 Results (Business Wire)
Oct-21-24 09:02AM	Community Financial System Inc (CBU) Q3 2024 Earnings Report Preview: What To Expect (GuruFocus.com)
Oct-16-24 04:30PM	Community Financial System, Inc. Announces Quarterly Dividend (Business Wire)
Oct-03-24 12:00PM	All You Need to Know About Community Financial (CBU) Rating Upgrade to Strong Buy (Zacks)
Sep-26-24 04:30PM	Community Financial System, Inc. Appoints Savneet Singh as New Independent Director (Business Wire)
Sep-23-24 10:05AM	Community Financial System Announces Third Quarter 2024 Earnings Conference Call (GlobeNewswire)
Sep-11-24 09:55AM	Here's Why Community Financial (CBU) Is a Great 'Buy the Bottom' Stock Now (Zacks)
Aug-27-24 10:00AM	Community Financial System, Inc. To Host Investor Day on September 6, 2024 (GlobeNewswire)
Jul-23-24 06:45AM	Community Financial System, Inc. Reports Second Quarter 2024 Results (Business Wire)
Jul-17-24 04:30PM	Community Financial System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 32nd Consecutive Year of Dividend Increases (Business Wire)
Jun-24-24 10:05AM	Community Financial System Announces Second Quarter 2024 Earnings Conference Call (GlobeNewswire)
Jun-18-24 11:00AM	Community Financial System, Inc. to Host Investor Day on September 6, 2024 (GlobeNewswire)
May-30-24 03:53AM	15 Best Mortgage Lenders in America (Insider Monkey)
May-15-24 04:30PM	Community Financial System, Inc. Announces Quarterly Common Stock Dividend and Results of Annual Shareholders Meeting (Business Wire)
11:00AM	Community Bank System, Inc. Changes Corporate Name to Community Financial System, Inc. (Business Wire)
Apr-25-24 09:01AM	Community Bank System Inc. Reports Q1 2024 Earnings: A Close Call with Analyst Estimates (GuruFocus.com)
Apr-24-24 09:30AM	Community Bank System, Inc. (NYSE:CBU) Q1 2024 Earnings Call Transcript (Insider Monkey)
Apr-23-24 11:54AM	CBU Stock Earnings: Community Bank System Beats EPS, Beats Revenue for Q1 2024 (InvestorPlace)
09:30AM	Compared to Estimates, Community Bank (CBU) Q1 Earnings: A Look at Key Metrics (Zacks)
08:50AM	Community Bank System's Q1 Non-GAAP Operating Earnings Fall, Revenue Rises (MT Newswires)
06:55AM	Community Bank: Q1 Earnings Snapshot (Associated Press Finance)
06:45AM	Community Bank System, Inc. Reports First Quarter 2024 Results (Business Wire)
Mar-25-24 10:05AM	Community Bank System Announces First Quarter 2024 Earnings Conference Call (GlobeNewswire)
Feb-16-24 03:34PM	New York bank settles wage dispute with a $5.8 million payout (American Banker)
Feb-14-24 04:30PM	Community Bank System, Inc. Announces Its Quarterly Dividend (Business Wire)
Jan-25-24 08:32AM	Community Bank System Inc. Reports Mixed Results Amidst Challenging Environment (GuruFocus.com)
08:20AM	Community Bank System, Inc. (NYSE:CBU) Q4 2023 Earnings Call Transcript (Insider Monkey)
Jan-23-24 09:30AM	Here's What Key Metrics Tell Us About Community Bank (CBU) Q4 Earnings (Zacks)
07:55AM	Community Bank System (CBU) Q4 Earnings Lag Estimates (Zacks)
07:04AM	Community Bank: Q4 Earnings Snapshot (Associated Press Finance)
06:45AM	Community Bank System, Inc. Reports Fourth Quarter And Full Year 2023 Results (Business Wire)
Jan-19-24 04:15PM	Community Bank System, Inc. Elects Michele Sullivan as New Independent Director (Business Wire)
Dec-21-23 10:05AM	Community Bank System Announces Fourth Quarter and Full Year 2023 Earnings Conference Call (GlobeNewswire)
Dec-07-23 08:32AM	Implied Volatility Surging for Community Bank (CBU) Stock Options (Zacks)
Nov-19-23 08:12AM	Dividend Champions List Ranked By Yield: Top 30 (Insider Monkey)
Nov-15-23 04:30PM	Community Bank System, Inc. Announces Its Quarterly Dividend (Business Wire)
Nov-09-23 08:05AM	Transamerica Teams with State Street Global Advisors to Help More Americans Become Retirement Ready (PR Newswire)
Oct-25-23 03:13PM	Community Bank System Inc (CBU) Reports Q3 2023 Earnings (GuruFocus.com)
10:59AM	Community Bank System, Inc. (NYSE:CBU) Q3 2023 Earnings Call Transcript (Insider Monkey)
Oct-24-23 09:30AM	Community Bank (CBU) Reports Q3 Earnings: What Key Metrics Have to Say (Zacks) -5.44%
08:05AM	Community Bank System (CBU) Lags Q3 Earnings and Revenue Estimates (Zacks)
06:56AM	Community Bank: Q3 Earnings Snapshot (Associated Press Finance)
06:45AM	Community Bank System, Inc. Reports Third Quarter 2023 Results (Business Wire)
Sep-25-23 10:05AM	Community Bank System Announces Third Quarter 2023 Earnings Conference Call (GlobeNewswire)
Sep-08-23 09:08PM	EVP, COO Dimitar Karaivanov Acquires 1000 Shares of Community Bank System Inc (CBU) (GuruFocus.com)
Aug-13-23 08:23AM	Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45 (Simply Wall St.)
Jul-31-23 09:30AM	Community Bank (CBU) Reports Q2 Earnings: What Key Metrics Have to Say (Zacks)
08:05AM	Community Bank System (CBU) Surpasses Q2 Earnings Estimates (Zacks)
06:58AM	Community Bank: Q2 Earnings Snapshot (Associated Press Finance)
06:45AM	Community Bank System, Inc. Reports Second Quarter 2023 Results (Business Wire)
Jul-24-23 10:00AM	Community Bank System (CBU) Reports Next Week: What You Should Expect (Zacks)
Jul-23-23 08:26AM	Community Bank System (NYSE:CBU) Is Increasing Its Dividend To $0.45 (Simply Wall St.)
Jul-20-23 07:00AM	Community Bank System's (NYSE:CBU) earnings trajectory could turn positive as the stock swells 12% this past week (Simply Wall St.)
Jul-19-23 04:30PM	Community Bank System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 31st Consecutive Year of Dividend Increases (Business Wire)
Jul-05-23 09:00AM	Community Bank System, Inc. Announces CEO Succession Plan (Business Wire)
Jul-03-23 06:34AM	New Strong Sell Stocks for July 3rd (Zacks)
Jun-30-23 06:45AM	Community Bank, N.A. Appoints President and CEO of Community Bank Wealth Management (Business Wire)

Community Financial System, Inc. is a holding company, which engages in the provision of retail, business, and municipal banking services. It operates through the following segments: Banking, Employee Benefit Services, and All Other. The Banking segment offers lending and depository-related products and services to individuals, businesses, and municipal enterprises. The Employee Benefit Services segment provides employee benefit trust services, collective investment funds, fund administration, transfer agency, retirement plan and VEBA/HRA, and health savings account plan administration services, actuarial services, and healthcare consulting services. The All Other segment consists of wealth management and insurance services. The company was founded on April 15, 1983 and is headquartered in DeWitt, NY.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
SKERRITT SUSAN E	Recently Retired from Board	Jun 25 '25	Proposed Sale	56.61	2,619	148,262		Jun 25 01:28 PM
Knauss Jeffery J	Director	Apr 14 '25	Option Exercise	0.00	12	0	3,566	Apr 16 05:30 PM
STEELE SALLY A	Director	Apr 15 '25	Option Exercise	0.00	1,181	0	39,964	Apr 16 05:21 PM
STICKELS ERIC	Director	Apr 14 '25	Option Exercise	0.00	3	0	35,342	Apr 16 04:06 PM
Bolus Mark J.	Director	Apr 14 '25	Option Exercise	0.00	12	0	103,828	Apr 16 03:41 PM
Parente John	Director	Apr 14 '25	Option Exercise	0.00	12	0	69,828	Apr 16 03:09 PM
Parente John	Director	Mar 19 '25	Option Exercise	0.00	1,430	0	69,816	Mar 20 01:28 PM
Knauss Jeffery J	Director	Mar 19 '25	Option Exercise	0.00	1,430	0	3,554	Mar 20 12:45 PM
Bolus Mark J.	Director	Mar 19 '25	Option Exercise	0.00	1,430	0	103,816	Mar 20 11:34 AM
STICKELS ERIC	Director	Mar 17 '25	Option Exercise	0.00	451	0	35,339	Mar 18 09:53 AM
LEVY JEFFREY M	SVP & Chief Banking Officer	Jan 24 '25	Sale	65.98	1,136	74,953	6,539	Jan 28 01:28 PM
LEVY JEFFREY M	Officer	Jan 24 '25	Proposed Sale	65.00	1,136	73,840		Jan 22 09:12 PM
Bolus Mark J.	Director	Jan 15 '25	Option Exercise	0.00	712	0	101,769	Jan 17 03:44 PM
STEELE SALLY A	Director	Jan 13 '25	Option Exercise	0.00	28	0	38,783	Jan 14 04:45 PM
STEELE SALLY A	Director	Jan 02 '25	Option Exercise	0.00	3,663	0	38,755	Jan 06 02:34 PM
Abdo Michael N	EVP and General Counsel	Nov 26 '24	Option Exercise	0.00	2,100	0	7,258	Nov 27 03:31 PM
SUTARIS JOSEPH E	EVP & Chief Financial Officer	Nov 26 '24	Option Exercise	0.00	7,647	0	20,094	Nov 27 01:47 PM
Whipple John F.	Director	Nov 25 '24	Option Exercise	35.36	3,937	139,212	9,760	Nov 26 10:42 AM
Whipple John F.	Director	Nov 25 '24	Sale	73.10	3,937	287,802	5,823	Nov 26 10:42 AM
John Whipple	Director	Nov 25 '24	Proposed Sale	72.76	3,937	286,456		Nov 25 02:25 PM
Bolus Mark J.	Director	Nov 06 '24	Option Exercise	36.74	4,092	150,340	103,020	Nov 07 03:46 PM
Bolus Mark J.	Director	Nov 06 '24	Sale	70.06	4,092	286,686	98,928	Nov 07 03:46 PM
Durkee Deresa Fischer	SVP, Chief Accounting Officer	Nov 06 '24	Option Exercise	48.91	2,132	104,281	6,692	Nov 07 02:45 PM
MacPherson Kerrie D.	Director	Nov 05 '24	Buy	62.20	320	19,902	3,302	Nov 06 03:25 PM
MARK BOLUS	BOARD OF DIRECTOR	Nov 06 '24	Proposed Sale	70.06	4,092	286,686		Nov 06 03:09 PM

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CBU

Community Financial System Inc

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