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Community Financial System

(NYSE) CBU

Current Price$68.65
Market Cap$3.62BMarket 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)+5,914%
5 Year+12%
1 Year+22%
1 Month+12%
Community Financial System last closing stock price
MetricPriceDate
Last closeUSD 68.852026-07-17
Community Financial System stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.1%USD 66.782026-07-10
1 month+12.43%USD 61.242026-06-17
3 month+9.53%USD 62.862026-04-17
Year to date+21.72%USD 56.572025-12-31
1 year+21.61%USD 56.622025-07-17
3 year+56.91%USD 43.882023-07-18
5 year+11.84%USD 61.562021-07-16
Since inception+5,914.06%USD 1.141986-09-18

Community Financial System Financials at a Glance

Market Cap

$3.62BMarket 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)

$1.03B

Net Income (TTM)

$218.06M

EPS (TTM)

$4.11

P/E Ratio

16.76

Dividend

$1.88

Beta (Volatility)

0.80 (Low)

Price

$68.65

Volume

413,719.422

Open

$69.92

Previous Close

$68.85

Daily Range

$68.37 - $70.74

52-Week Range

$51.12 - $71.11

Estimated Earnings Date

Jul 28, 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

67

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About Community Financial System

Community Financial helps people save and borrow for homes or businesses. It manages retirement plans and sells insurance to families. The company serves communities across the Northeastern United States.

Banking and Beyond

  • Personal and Commercial Banking: Offers checking, savings, and money market accounts alongside residential and business loans.
  • Employee Benefit Services: Provides retirement plan administration, consulting, and trust services for workers and employers.
  • Insurance Services: Sells personal and commercial insurance lines through a full-service agency.
  • Wealth Management: Delivers investment advisory, financial planning, and trust services to individuals and organizations.

Moving into New Markets

  • Entered an agreement to acquire ClearPoint Federal Bank & Trust in January 2026 to increase wealth management revenue.
  • Acquired two insurance agencies in New York and Florida during the first quarter of 2026.
  • Completed the purchase of seven branch locations in Pennsylvania from Santander Bank, N.A. in November 2025.
  • Purchased various financial service assets in 2025, including Nottingham Investment Services, Inc. and Benefit Plans Administrative Services.

The Regional Advantage

The company operates 215 facilities across New York, Pennsylvania, Vermont, and Massachusetts. It maintains a diversified income stream by combining traditional regional banking with fee-based insurance and retirement services.

The Scorecard

  • Revenue reached $258.6 million in Q1 2026, up 6.1% from Q1 2025.
  • Net income hit $57.2 million in Q1 2026, a 15.3% increase year-over-year.
  • Operating income rose to $74.6 million in Q1 2026, up 16.1% from the previous year.
  • Total deposits hit $14.9 billion by March 31, 2026, up from $14.4 billion in late 2025.
  • Gross loans reached $11.1 billion at the end of Q1 2026, up from $10.9 billion at year-end 2025.

Strategic Shift

Community Financial has evolved from a traditional local lender into a diversified financial services provider. Its steady expansion into insurance and benefit administration offers multiple revenue sources beyond typical interest-based banking.

AI Generated • May 23, 2026

Industry

Banks

Sector

Financials

Employees

3,001

CEO

Dimitar A. Karaivanov, MBA

Website

www.communityfinancialsystem.com

Headquarters

Syracuse, NY 13214-1883, US

CBU Financials

Key Financial Metrics (TTM)

Gross Margin

79.45%

Operating Margin

27.85%

Net Income Margin

21.26%

Return on Equity

11.11%

Return on Capital

10.00%

Return on Assets

1.23%

Earnings Yield

5.97%

Dividend Yield

2.73%

Payout Ratio

44.99%

Stock Overview

Market Cap

$3.62BMarket 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

52.55M

Volume

413.72K

Avg. Volume

294.94K

Financials (TTM)

Gross Profit

$815.03M

Operating Income

$285.74M

EBITDA

$318.33M

Operating Cash Flow

$310.91M

Capital Expenditure

-$84.64M

Free Cash Flow

$226.27M

Cash & ST Invst.

$572.17M

Total Debt

$647.35M

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
Q22025-06-301.5%
Q32025-09-303.6%
Q42025-12-313.0%
Q12026-03-31-2.0%
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
Q22025-06-303.2%
Q32025-09-307.2%
Q42025-12-31-1.0%
Q12026-03-314.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$258.56M

+6.1%

Gross Profit

$207.65M

+9.5%

Gross Margin

80.31%

N/A

Market Cap

$3.62BMarket 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

$1.21M

N/A

Employees

3,001

N/A

Net Income

$57.22M

+15.3%

EBITDA

$84.32M

+17.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$572.17M

-31.4%

Total Debt

$647.35M

-24.9%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$446.32M

-25.0%

Short Term Debt

$201.03M

-24.6%

Return on Assets

1.23%

N/A

Return on Invested Capital

1.63%

N/A

Free Cash Flow

$60.30M

+16.1%

Operating Cash Flow

$71.56M

+14.5%

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Questions About CBU

What is the current price of Community Financial System?

Community Financial System is trading at $68.85 per share.

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

Over the past 52 weeks, Community Financial System has traded between $51.12 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 $647.35M.

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 2.73%.

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