CBU

Community Financial System Inc

60.74

Oct 21 • 3:59 PM ET -0.07 (-0.12%)

60.74

Aftermarket • 7:30 PM ET 0.00 (0.00%)

Financial Banks - Regional USA Mid NYSE

Oct 21, 4:23 PMCommunity Financial System Inc announces a regular quarterly dividend on its common stock.

Peers: NBTB TMP NWBI AROW TRST FISI FCF MTB CHMG KEY

| Held by: IJR VTI IWM VB VBR VXF DFAT SDY SPSM DFAS

Scroll to Statements

Index	RUT
Market Cap	3.20B
Enterprise Value	-
Income	227.25M
Sales	1.05B
Book/sh	39.41
Cash/sh	-
Dividend Est.	1.90 (3.13%)
Dividend TTM	1.90 (3.13%)
Dividend Ex-Date	Sep 15, 2026
Dividend Gr. 3/5Y	2.25% 2.30%
Payout	46.88%
Employees	3001
IPO	Nov 26, 1985

P/E	14.12
Forward P/E	11.73
PEG	0.97
P/S	3.05
P/B	1.54
P/C	-
P/FCF	12.96
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.08
Debt/Eq	0.37
LT Debt/Eq	0.21
Option/Short	Yes / Yes

EPS (ttm)	4.30
EPS next Y	5.18
EPS next Q	1.19
EPS this Y	8.79%
EPS next Y	12.53%
EPS next 5Y	12.04%
EPS past 3/5Y	4.67% 5.20%
Sales past 3/5Y	12.79% 10.36%
EPS Y/Y TTM	17.31%
Sales Y/Y TTM	7.22%
EPS Q/Q	19.94%
Sales Q/Q	8.67%
Earnings	Oct 27 BMO
EPS/Sales Surpr.	-1.69% -1.50%

Insider Own	0.93%
Insider Trans	-2.59%
Inst Own	78.79%
Inst Trans	0.25%
ROA	1.32%
ROE	11.49%
ROIC	9.07%
Gross Margin	-
Oper. Margin	29.12%
Profit Margin	21.70%
SMA20	1.41%
SMA50	-1.76%
SMA200	-3.31%
Trades

Shs Outstand	52.60M
Shs Float	52.13M
Short Float	3.94%
Short Ratio	8.15
Short Interest	2.05M
52W High	71.11 -14.58%
52W Low	53.46 13.62%
Volatility	1.64% 1.83%
ATR (14)	1.12
RSI (14)	51.44
Beta	0.77
Rel Volume	0.58
Avg Volume	251.75K
Volume	145,201

Perf Week	2.88%
Perf Month	-0.65%
Perf Quarter	-8.99%
Perf Half Y	-2.72%
Perf YTD	5.75%
Perf Year	8.12%
Perf 3Y	52.08%
Perf 5Y	-16.41%
Perf 10Y	27.87%
Recom	2.67
Target Price	69.00
Prev Close	60.81
Price	60.74
Change %	-0.12%

Date	Action	Analyst	Rating Change	Price Target Change
Feb-25-26	Initiated	DA Davidson	Neutral	$72
Jan-13-26	Downgrade	Janney	Buy → Neutral
Dec-03-25	Resumed	Piper Sandler	Neutral	$62
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

Show Previous Ratings

Oct-21-26 04:15PM	Community Financial System, Inc. Announces Quarterly Dividend (Business Wire)
Sep-17-26 10:00AM	Community Financial System Announces Third Quarter 2026 Earnings Conference Call (Business Wire)
Sep-08-26 08:00AM	BPAS Acquires ESOP One, Expanding Employee Ownership and ESOP Capabilities (PR Newswire)
Aug-24-26 08:55AM	Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update (PR Newswire)
Jul-28-26 07:00PM	Community Financial System Inc (CBU) Q2 2026 Earnings Call Highlights: Record Earnings and ... (GuruFocus.com)
07:33AM	Loading…
07:33AM	Community Financial: Q2 Earnings Snapshot (Associated Press)
06:45AM	Community Financial System, Inc. Reports Second Quarter 2026 Results (Business Wire)
Jul-22-26 04:15PM	Community Financial System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 34th Consecutive Year of Dividend Increases (Business Wire)
Jun-17-26 10:00AM	Community Financial System Announces Second Quarter 2026 Earnings Conference Call (Business Wire)
Jun-01-26 06:45AM	Community Financial System, Inc. Completes Acquisition of ClearPoint Federal Bank & Trust (Business Wire)
Apr-30-26 03:15AM	Community Financial System Inc (CBU) Q1 2026 Earnings Call Highlights: Strong Revenue Growth ... (GuruFocus.com)
Apr-29-26 12:45PM	Community Bank System, Inc. Q1 2026 Earnings Call Summary (Moby)
06:23AM	Community Financial: Q1 Earnings Snapshot (Associated Press)
06:00AM	Community Financial System, Inc. Reports First Quarter 2026 Results (Business Wire)
Apr-22-26 04:15PM	Community Financial System, Inc. Announces Quarterly Dividend (Business Wire)
10:00AM	Loading…
Mar-19-26 10:00AM	Community Financial System Announces First Quarter 2026 Earnings Conference Call (Business Wire)
Feb-11-26 04:15PM	Community Financial System, Inc. Appoints Brenda M. Hall as New Independent Director (Business Wire)
Feb-08-26 11:41PM	3 Bank Stocks That Fall Short (StockStory)
Feb-03-26 12:35AM	The 5 Most Interesting Analyst Questions From Community Bank's Q4 Earnings Call (StockStory)
Jan-28-26 12:31AM	CBU Q4 Deep Dive: Diversification and Deposit Growth Support Steady Results (StockStory)
Jan-27-26 06:01PM	Community Financial System Inc (CBU) Q4 2025 Earnings Call Highlights: Strong Growth Across Key ... (GuruFocus.com)
12:40PM	Community Financial System Q4 Earnings Call Highlights (MarketBeat)
10:30AM	Community Financial (CBU) Reports Q4 Earnings: What Key Metrics Have to Say (Zacks)
10:14AM	Community Bank (NYSE:CBU) Exceeds Q4 CY2025 Expectations (StockStory)
08:30AM	Community Financial System (CBU) Misses Q4 Earnings Estimates (Zacks)
07:40AM	Community Financial: Q4 Earnings Snapshot (Associated Press Finance)
06:45AM	Community Financial System, Inc. Reports Fourth Quarter And Full Year 2025 Results (Business Wire)
Jan-25-26 10:05PM	Community Bank (CBU) Reports Earnings Tomorrow: What To Expect (StockStory)
Jan-21-26 04:45PM	Community Financial System, Inc. Announces Quarterly Dividend (Business Wire) +5.07%
10:00AM	Alerus (ALRS) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
06:45AM	Loading…
Jan-15-26 06:45AM	Community Financial System, Inc. Significantly Expands Its Wealth Management Services With Acquisition of ClearPoint Federal Bank & Trust (Business Wire)
Jan-07-26 11:01PM	3 Reasons to Sell CBU and 1 Stock to Buy Instead (StockStory)
Dec-19-25 10:00AM	Community Financial System Announces Fourth Quarter and Full Year 2025 Earnings Conference Call (Business Wire)
Dec-01-25 10:33PM	Regional Banks Stocks Q3 Recap: Benchmarking Community Bank (NYSE:CBU) (StockStory)
Nov-10-25 06:45AM	Community Bank, N.A. Completes Acquisition of Seven Former Santander Bank, N.A. Branches in Allentown, Pennyslvania Area (Business Wire)
Oct-28-25 08:48AM	Implied Volatility Surging for Community Financial System Stock Options (Zacks)
01:31AM	The 5 Most Interesting Analyst Questions From Community Bank's Q3 Earnings Call (StockStory)
Oct-23-25 09:10AM	Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks (Zacks)
Oct-22-25 01:31AM	CBU Q3 Deep Dive: Diversified Revenue and Strategic Expansion Define Results (StockStory)
Oct-21-25 05:01PM	Community Financial System Inc (CBU) Q3 2025 Earnings Call Highlights: Record Earnings and ... (GuruFocus.com)
03:28PM	Community Bank's (NYSE:CBU) Q3 Earnings Results: Revenue In Line With Expectations (StockStory)
09:30AM	Here's What Key Metrics Tell Us About Community Financial (CBU) Q3 Earnings (Zacks)
08:00AM	Community Financial System (CBU) Q3 Earnings Surpass Estimates (Zacks)
06:58AM	Community Financial: Q3 Earnings Snapshot (Associated Press Finance)
Oct-20-25 09:19AM	What To Expect From Community Financial System Inc (CBU) Q3 2025 Earnings (GuruFocus.com)
Oct-19-25 11:00PM	Community Bank (CBU) Reports Q3: Everything You Need To Know Ahead Of Earnings (StockStory)
Oct-15-25 04:15PM	Community Financial System, Inc. Announces Quarterly Dividend (Business Wire)
Oct-14-25 03:00PM	Community Financial System: Consistent Dividends and Disciplined Growth for Shareholders (Insider Monkey)
Sep-17-25 04:15PM	Community Financial System, Inc. Appoints John A. Vaccaro as New Independent Director (Business Wire)
Sep-11-25 11:36PM	Q2 Earnings Highlights: Community Bank (NYSE:CBU) Vs The Rest Of The Regional Banks Stocks (StockStory)
Sep-10-25 06:34PM	BPAS Earns Top Spots in NAPA Advisor Choice Awards (PR Newswire)
Sep-08-25 06:45AM	Community Financial System, Inc. Announces Investment in Leap Holdings, Inc. (Business Wire)
Aug-13-25 12:06AM	Community Bank (CBU): Buy, Sell, or Hold Post Q2 Earnings? (StockStory)
Jul-29-25 01:30AM	5 Must-Read Analyst Questions From Community Bank's Q2 Earnings Call (StockStory)
Jul-24-25 09:10AM	3 Top-Ranked Dividend Stocks: A Smarter Way to Boost Your Retirement Income (Zacks)
Jul-23-25 03:09AM	Community Financial System Inc (CBU) Q2 2025 Earnings Call Highlights: Record Operating Results ... (GuruFocus.com)
01:31AM	CBU Q2 Deep Dive: Deposit Growth, Branch Expansion, and Margin Trends Shape Outlook (StockStory)
Jul-22-25 09:30AM	Here's What Key Metrics Tell Us About Community Financial (CBU) Q2 Earnings (Zacks)
09:00AM	Community Financial System (CBU) Misses Q2 Earnings and Revenue Estimates (Zacks)
08:31AM	Community Bank (NYSE:CBU) Misses Q2 Sales Targets (StockStory)
07:56AM	Community Financial: Q2 Earnings Snapshot (Associated Press Finance)
06:45AM	Community Financial System, Inc. Reports Second Quarter 2025 Results (Business Wire)
Jul-21-25 09:20AM	Earnings To Watch: Community Financial System Inc (CBU) Reports Q2 2025 Result (GuruFocus.com)
Jul-20-25 11:01PM	What To Expect From Community Bank's (CBU) Q2 Earnings (StockStory)
Jul-16-25 04:30PM	Community Financial System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 33rd Consecutive Year of Dividend Increases (Business Wire)
10:00AM	Moody's (MCO) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Jul-15-25 11:04AM	Implied Volatility Surging for Community Financial System Stock Options (Zacks)
10:00AM	Community Financial System (CBU) Earnings Expected to Grow: Should You Buy? (Zacks)
Jul-07-25 09:10AM	How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks (Zacks)
Jul-01-25 09:10AM	3 Top Dividend Stocks to Maximize Your Retirement Income (Zacks)
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)
09:10AM	How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks (Zacks)
Jun-16-25 09:10AM	3 Top Dividend Stocks to Maximize Your Retirement Income (Zacks)
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)
Jun-02-25 09:10AM	How to Maximize Your Retirement Portfolio with These Top-Ranked Dividend Stocks (Zacks)
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)
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)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Singh Savneet	Director	Sep 09 '26	Buy	62.47	400	24,988	418	Sep 10 03:57 PM
Vaccaro John A	Director	Aug 27 '26	Buy	63.11	317	20,006	492	Aug 28 04:26 PM
Hall Brenda M	Director	Aug 24 '26	Buy	63.59	476	30,271	515	Aug 26 12:07 PM
Sally Steele	BOARD OF DIRECTOR	Jul 31 '26	Proposed Sale	68.00	16,001	1,088,068		Jul 20 03:27 PM
Bolus Mark J.	Director	Jun 25 '26	Sale	67.00	12,191	816,786	94,060	Jun 29 11:13 AM
Bolus Mark J.	Director	Jun 25 '26	Proposed Sale	66.94	12,190	816,017		Jun 26 05:37 PM
Durkee Deresa Fischer	SVP, Chief Accounting Officer	Jun 10 '26	Option Exercise	46.21	1,623	74,997	6,804	Jun 11 04:21 PM
STICKELS ERIC	Director	Jun 08 '26	Sale	63.98	2,000	127,962	31,592	Jun 10 11:33 AM
ERIC STICKELS	DIRECTOR	Jun 08 '26	Proposed Sale	63.59	2,000	127,180		Jun 08 11:58 AM
Gillan-Myer Maureen A	EVP, Chief Admin & HR Officer	Dec 29 '25	Sale	58.85	3,450	203,054	0	Mar 04 12:09 PM
Whipple John F.	Director	Feb 04 '26	Option Exercise	38.02	4,246	161,433	12,752	Feb 06 10:59 AM
Whipple John F.	Director	Feb 04 '26	Sale	65.17	4,246	276,704	8,506	Feb 06 10:59 AM
STEELE SALLY A	Director	Feb 03 '26	Option Exercise	23.04	4,000	92,160	43,964	Feb 05 03:52 PM
STEELE SALLY A	Director	Feb 03 '26	Sale	64.12	4,000	256,480	39,964	Feb 05 03:52 PM
STICKELS ERIC	Director	Feb 03 '26	Sale	64.75	2,000	129,492	33,342	Feb 05 02:45 PM
John Whipple	DIRECTOR	Feb 04 '26	Proposed Sale	65.60	4,246	278,538		Feb 04 01:35 PM
Abdo Michael N	EVP and General Counsel	Jan 30 '26	Option Exercise	38.02	2,287	86,952	9,017	Feb 03 04:05 PM
Sally Steele	BOARD OF DIRECTOR	Feb 03 '26	Proposed Sale	64.00	4,000	256,000		Feb 03 03:47 PM
Eric Stickels	BOARD OF DIRECTOR	Feb 03 '26	Proposed Sale	63.76	2,000	127,520		Feb 03 03:31 PM
LEVY JEFFREY M	Affiliate	Jan 30 '26	Proposed Sale	62.22	1,435	89,285		Jan 30 11:08 AM
Parente John	Director	Dec 16 '25	Option Exercise	38.02	4,246	161,433	74,074	Dec 17 01:55 PM

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 Syracuse, NY.

PresidentMr. Dimitar A. Karaivanov

Executive VPMs. Marya Burgio Wlos

Executive VP and Chief Human Resources Officer & Administration officerMs. Maureen A. Gillan-Myer

Executive VP & General CounselMr. Michael N. Abdo

Senior VPMr. Aaron Friot

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CBU

Community Financial System Inc

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