Community Financial System/$CBU
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Community Financial System
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.
- Ticker
- $CBU
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 2,927
- Headquarters
- Syracuse, United States
- Website
- ir.cfsi.com
CBU Metrics
BasicAdvanced
$3.1B
13.71
$4.31
0.79
$1.88
3.18%
Price and volume
Market cap
$3.1B
Beta
0.79
52-week high
$71.11
52-week low
$53.46
Average daily volume
282K
Dividend rate
$1.88
Financial strength
Dividend payout ratio (TTM)
43.23%
Profitability
Net profit margin (TTM)
27.21%
Operating margin (TTM)
38.17%
Effective tax rate (TTM)
24.11%
Revenue per employee (TTM)
$290,000
Management effectiveness
Return on assets (TTM)
1.32%
Return on equity (TTM)
11.53%
Valuation
Price to earnings (TTM)
13.707
Price to revenue (TTM)
3.712
Price to book
1.5
Price to tangible book (TTM)
2.8
Price to free cash flow (TTM)
12.613
Free cash flow yield (TTM)
7.93%
Free cash flow per share (TTM)
4.686
Dividend yield (TTM)
3.18%
Forward dividend yield
3.18%
Growth
Revenue change (TTM)
10.87%
Earnings per share change (TTM)
17.43%
3-year revenue growth (CAGR)
9.46%
3-year earnings per share growth (CAGR)
14.64%
10-year earnings per share growth (CAGR)
6.95%
3-year dividend per share growth (CAGR)
2.22%
10-year dividend per share growth (CAGR)
4.25%
What the Analysts think about CBU
Analyst ratings (Buy, Hold, Sell) for Community Financial System stock.
Analyst projections of the future price of Community Financial System stock.
Bulls say / Bears say
Second-quarter operating diluted EPS rose 11.5% year on year, while revenue increased 12%. Net interest income has grown for nine consecutive quarters, supported by a wider margin and lower funding costs. (Community Financial System, Inc.)
Loans grew 7.3% year on year in the second quarter, and management expects 5%–6% loan growth and 10%–11% net interest income growth for 2026. Its outlook for further margin expansion could support earnings if delivered. (Roic AI)
The ClearPoint acquisition adds trust administration for the death-care sector to the wealth-management business. ClearPoint had more than $1.5 billion in assets under management and a 9.7% three-year revenue growth rate, giving CBU another source of recurring fee income. (Community Financial System, Inc.)
A US Department of Labor lawsuit alleges that Hand Benefits & Trust failed to monitor investment funds properly and caused losses for retirement-plan clients. The allegations are not findings of liability, but the case creates legal and reputational risk around CBU’s employee-benefits business. (Bloomberg Law)
Insurance was a weak spot in the second quarter: management said results were below expectations, citing lower contingencies, a soft premium market and organic-growth challenges. Continued weakness would offset growth in banking and other fee businesses. (Roic AI)
Non-owner-occupied and multifamily commercial property loans were 25% of total loans and 201% of bank-level regulatory capital at quarter-end. The portfolio is geographically diverse, but that exposure could leave CBU more vulnerable if commercial property borrowers come under stress. (Community Financial System, Inc.)
Data summarised monthly by Lightyear AI. Last updated on 8 Oct 2026.
CBU Financial Performance
Revenues and expenses
CBU Earnings Performance
Company profitability
Upcoming events
CBU News
AllArticlesVideos
Community Financial System Q2 Earnings Call Highlights
MarketBeat2 months ago
Community Financial System, Inc. Reports Second Quarter 2026 Results
Business Wire2 months ago
Community Financial System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 34th Consecutive Year of Dividend Increases
Business Wire3 months ago
Funds containing CBU
AllUSDGBPEUR
Fund name | Fund size | $CBU weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.18% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.18% |
SPDR S&P US Dividend Aristocrats€SPYD | €3.3B | 0.14% |
SPDR S&P US Dividend Aristocrats£USDV | £2.8B | 0.14% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.11% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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