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Community Financial System(NYSE) CBU

Market Cap$3.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1986)+5,417%
5 Year-2%
1 Year+8%
1 Month-2%
Premium Feature
Moneyball Superscore
73/100
$63.20
+0.19%
+0.12Today
After hours$63.14-$0.06 (-0.10%)
Community Financial System last closing stock price
MetricPriceDate
Last closeUSD 63.162026-08-28
Community Financial System stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.63%USD 63.562026-08-21
1 month-1.97%USD 64.432026-07-29
3 month-0.04%USD 63.192026-05-29
Year to date+11.66%USD 56.572025-12-31
1 year+7.62%USD 58.692025-08-28
3 year+48.37%USD 42.572023-08-29
5 year-1.58%USD 64.172021-08-27
Since inception+5,417.04%USD 1.141986-09-18

Community Financial System Financials at a Glance

Market Cap

$3.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.05B

Net Income (TTM)

$228.06M

EPS (TTM)

$4.30

P/E Ratio

14.68

Dividend

$1.88

Beta (Volatility)

0.79 (Low)

Price

$63.20

Volume

146,981

Open

$63.23

Previous Close

$63.16

Daily Range

$62.92 - $63.55

52-Week Range

$53.46 - $71.11

Estimated Earnings Date

Oct 27, 2026

CBU News

SellAlert-Blue.png

Community Financial System Director Sells 12,190 Shares. What Does This Mean for Investors?

Brendan CoffeyJul 3, 2026
Foolcom-Featured.png

Community Financial's EPS Jumps in Q2

Motley Fool Markets TeamJul 22, 2025
Smiling Banker With Couple Applying for Loan

Community Bank System Is Poised for a Rebound in 2021

Asit Sharma, CPAJan 25, 2021
Generic Handshake Getty

Bank M&A: The Buyers Are Ready, but Now They're Waiting on the Sellers

Bram BerkowitzNov 4, 2020
Syracuse Skyline in Spring

This Small Bank's Earnings Report Gives a Green Light to Dividend Investors

Asit Sharma, CPAJul 27, 2020
Farmer and Banker Shaking Hands

Community Bank System Is Beefing Up Its Asset Base Through Acquisitions

Asit Sharma, CPAOct 24, 2019

Finding Hidden Value in Financial Growth Stocks

Jay JenkinsSep 26, 2013

Regional Banks Earnings Rundown

Robert EberhardApr 25, 2012
Page 1

CBU: Motley Fool Moneyball Superscore

73

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About Community Financial System

Community Financial System helps people and businesses manage money. It offers bank accounts, insurance, and retirement plans. These services help families and local companies build wealth.

Beyond the Teller Window

  • Banking Services: Deposit accounts and loan products for individuals, businesses, and local government entities.
  • Employee Benefit Services: Retirement plan administration, trust services, and actuarial consulting provided on a national scale.
  • Wealth Management: Financial planning, trust administration, and investment advisory services for long-term wealth building.
  • Insurance Services: Personal and commercial insurance lines along with risk management products through its OneGroup unit.

Growing the Network

  • Acquired customer deposits and financial assets through the Santander Bank N.A. branch transaction.
  • Completed the acquisition of ClearPoint Federal Bank & Trust during the second quarter of 2026.
  • Sold $296.8 million of lower-yielding U.S. Treasury securities on Aug. 3, 2026.
  • Opened new bank branches and regional headquarters to expand the regional service footprint.

Stability in Diversification

The company operates a diverse business model that combines traditional banking with insurance and retirement plan administration. It maintains a low-risk lending profile by focusing on markets outside of major metropolitan cities.

Recent Financial Performance

  • Net income rose 19.5% year over year to $61.3 million in the second quarter of 2026.
  • Net interest income reached $139.1 million in the second quarter of 2026, up 11.5% year over year.
  • The non-GAAP operating efficiency ratio reached 60.6% for the three-month period ended June 30, 2026.
  • Total loans grew 7.3% year over year to $11.28 billion at the end of the second quarter of 2026.

Evolution of the Business

Community Financial System has transformed from a local lender into a multi-service financial firm. Its mix of steady banking and fee-based services helps the company navigate different economic cycles.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

3,001

CEO

Dimitar A. Karaivanov, MBA

Website

www.communityfinancialsystem.com

Headquarters

Syracuse, NY 13214-2141, US

CBU Financials

Key Financial Metrics (TTM)

Gross Margin

80.09%

Operating Margin

28.71%

Net Income Margin

21.79%

Return on Equity

11.34%

Return on Capital

10.00%

Return on Assets

1.28%

Earnings Yield

6.81%

Dividend Yield

2.98%

Payout Ratio

43.23%

Stock Overview

Market Cap

$3.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

52.62M

Volume

146.98K

Avg. Volume

291.02K

Financials (TTM)

Gross Profit

$838.44M

Operating Income

$300.52M

EBITDA

$336.59M

Operating Cash Flow

$308.27M

Capital Expenditure

-$77.01M

Free Cash Flow

$231.26M

Cash & ST Invst.

$4.78B

Total Debt

$764.00M

Community Financial System Performance Analysis

Community Financial System annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 704,100,00011.1%
20232023-12-31USD 756,622,0007.5%
20242024-12-31USD 943,904,00024.8%
20252025-12-31USD 1,010,357,0007.0%
Community Financial System sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.6%
Q42025-12-313.0%
Q12026-03-31-2.0%
Q22026-06-303.8%
Community Financial System annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.46-0.5%
20232023-12-31USD 2.45-29.3%
20242024-12-31USD 3.4440.4%
20252025-12-31USD 3.9715.5%
Community Financial System sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.2%
Q42025-12-31-1.0%
Q12026-03-314.9%
Q22026-06-307.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$268.36M

+8.5%

Gross Profit

$218.55M

+12.0%

Gross Margin

81.44%

N/A

Market Cap

$3.32BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.14M

N/A

Employees

2,927

N/A

Net Income

$61.33M

+19.5%

EBITDA

$91.52M

+24.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$4.78B

+77.8%

Total Debt

$764.00M

-14.6%

Accounts Receivable

$60.89M

+5.7%

Inventory

$0.00

N/A

Long Term Debt

$433.72M

-25.7%

Short Term Debt

$330.38M

+6.2%

Return on Assets

1.28%

N/A

Return on Invested Capital

1.72%

N/A

Free Cash Flow

$41.38M

+13.7%

Operating Cash Flow

$51.05M

-4.9%

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Questions About CBU

What is the current price of Community Financial System?

Community Financial System is trading at $63.16 per share.

What is the 52-week range for Community Financial System?

Over the past 52 weeks, Community Financial System has traded between $53.46 and $71.11.

How much debt does Community Financial System have?

As of the most recent reporting period, Community Financial System reported total debt of $764.10M.

How much cash does Community Financial System have on hand?

Community Financial System does not have cash on hand data available.

What is Community Financial System’s dividend yield?

Community Financial System currently has a dividend yield of 2.98%.

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