CBU

Community Financial System Inc

Jan 30 • 12:27PM ET

62.07

-0.37 -0.59 %

Financial • Banks - Regional • USA • NYSE

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

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

Index	RUT	P/E	15.64	EPS (ttm)	3.97	Insider Own	0.84%	Shs Outstand	52.68M	Perf Week	0.13%
Market Cap	3.27B	Forward P/E	11.40	EPS next Y	5.45	Insider Trans	-0.32%	Shs Float	52.22M	Perf Month	7.22%
Enterprise Value	-	PEG	-	EPS next Q	1.13	Inst Own	75.92%	Short Float	3.22%	Perf Quarter	10.90%
Income	209.78M	P/S	3.24	EPS this Y	13.85%	Inst Trans	1.69%	Short Ratio	7.32	Perf Half Y	17.78%
Sales	1.01B	P/B	1.63	EPS next Y	13.08%	ROA	1.24%	Short Interest	1.68M	Perf YTD	8.06%
Book/sh	38.08	P/C	-	EPS next 5Y	-	ROE	11.13%	52W High	68.11 -8.87%	Perf Year	-4.54%
Cash/sh	-	P/FCF	14.19	EPS past 3/5Y	4.69% 5.22%	ROIC	8.51%	52W Low	49.44 25.55%	Perf 3Y	12.65%
Dividend Est.	1.89 (3.05%)	EV/EBITDA	-	Sales past 3/5Y	12.79% 10.36%	Gross Margin	-	Volatility	3.16% 2.66%	Perf 5Y	-8.64%
Dividend TTM	1.86 (3.00%)	EV/Sales	-	EPS Y/Y TTM	15.40%	Oper. Margin	27.48%	ATR (14)	1.59	Perf 10Y	74.94%
Dividend Ex-Date	Mar 16, 2026	Quick Ratio	-	Sales Y/Y TTM	7.54%	Profit Margin	20.76%	RSI (14)	54.94	Recom	2.60
Dividend Gr. 3/5Y	2.25% 2.30%	Current Ratio	0.08	EPS Q/Q	10.28%	SMA20	1.12%	Beta	0.82	Target Price	66.60
Payout	46.85%	Debt/Eq	0.34	Sales Q/Q	7.15%	SMA50	4.17%	Rel Volume	0.74	Prev Close	62.44
Employees	2918	LT Debt/Eq	0.23	Earnings	Jan 27 BMO	SMA200	7.71%	Avg Volume	229.61K	Price	62.07
IPO	Nov 26, 1985	Option/Short	Yes / Yes	EPS/Sales Surpr.	-0.88% 1.27%	Trades		Volume	81,484	Change	-0.59%

Date	Action	Analyst	Rating Change	Price Target Change
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
Jan-12-17	Downgrade	Sandler O'Neill	Hold → Sell

Show Previous Ratings

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	Loading…
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)
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)
06:45AM	Loading…
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)
11:36PM	Loading…
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)
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)

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
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
LEVY JEFFREY M	SVP & Chief Banking Officer	Aug 27 '25	Sale	61.38	1,440	88,380	6,657	Aug 28 11:27 AM
LEVY JEFFREY M	Officer	Aug 26 '25	Proposed Sale	61.03	1,440	87,887		Aug 26 04:16 PM
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

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CBU

Community Financial System Inc

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