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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CBU | +0.52% | +11.32% | +2.17% | +4,709% |
| S&P | +14.5% | +93.32% | +14.09% | +2,784% |
Community Bank 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.
The company offers an attractive total return opportunity for small bank enthusiasts.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $255.93M | 6.6% |
| Market Cap | $3.10B | 1.6% |
| Market Cap / Employee | $1.06M | 0.0% |
| Employees | 2.9K | 2.4% |
| Net Income | $55.09M | 26.0% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $539.18M | -14.5% |
| Short Term Debt | $224.17M | -29.4% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.23% | 0.2% |
| Return On Invested Capital | 8.34% | -0.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $36.39M | 7.7% |
| Operating Free Cash Flow | $53.69M | 34.9% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 17.96 | 15.78 | 15.52 | 15.14 | -16.26% |
| Price to Book | 1.82 | 1.70 | 1.64 | 1.65 | -9.85% |
| Price to Sales | 3.48 | 3.13 | 3.08 | 3.13 | -7.08% |
| Price to Tangible Book Value | 3.67 | 3.48 | 3.22 | 3.15 | -21.09% |
| Price to Free Cash Flow TTM | 28.49 | 26.03 | 30.04 | 29.37 | 33.87% |
| Free Cash Flow Yield | 3.5% | 3.8% | 3.3% | 3.4% | -25.30% |
| Return on Equity | 10.5% | 10.9% | 10.9% | 11.0% | 7.92% |
| Total Debt | $1.05B | $862.04M | $894.46M | $763.35M | -19.51% |
CBU earnings call for the period ending September 30, 2021.
CBU earnings call for the period ending June 30, 2021.
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