Community Financial System/$CBU
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15:10
16:45
18:25
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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.
Ticker
$CBU
Sector
Primary listing
NYSE
Industry
Banks
Headquarters
Employees
2,824
ISIN
US2036071064
Website
CBU Metrics
BasicAdvanced
$2.9B
15.02
$3.61
0.79
$1.83
3.39%
Price and volume
Market cap
$2.9B
Beta
0.79
52-week high
$71.44
52-week low
$43.62
Average daily volume
160K
Dividend rate
$1.83
Financial strength
Dividend payout ratio (TTM)
50.21%
Profitability
Net profit margin (TTM)
25.77%
Operating margin (TTM)
35.43%
Effective tax rate (TTM)
22.87%
Revenue per employee (TTM)
$260,000
Management effectiveness
Return on assets (TTM)
1.17%
Return on equity (TTM)
10.96%
Valuation
Price to earnings (TTM)
15.023
Price to revenue (TTM)
3.848
Price to book
1.56
Price to tangible book (TTM)
3.07
Price to free cash flow (TTM)
14.552
Free cash flow yield (TTM)
6.87%
Free cash flow per share (TTM)
372.80%
Dividend yield (TTM)
3.37%
Forward dividend yield
3.39%
Growth
Revenue change (TTM)
7.37%
Earnings per share change (TTM)
16.35%
3-year revenue growth (CAGR)
5.55%
3-year earnings per share growth (CAGR)
2.33%
10-year earnings per share growth (CAGR)
4.99%
3-year dividend per share growth (CAGR)
2.29%
10-year dividend per share growth (CAGR)
4.49%
What the Analysts think about CBU
Analyst ratings (Buy, Hold, Sell) for Community Financial System stock.
Bulls say / Bears say
Community Financial System reported a record net interest income of $120.2 million in Q1 2025, marking an 18th consecutive year of growth, indicating strong core banking performance. (businesswire.com)
The company's diversified revenue streams, including substantial fee-based businesses like employee retirement services, insurance brokerage, and wealth management, provide resilience against traditional banking sector volatility. (investing.com)
Raymond James upgraded Community Financial System's stock rating from Market Perform to Strong Buy in October 2024, projecting a 10% core revenue growth for 2025, driven by expansion in net interest margin and fee income growth. (nasdaq.com)
In Q3 2024, Community Financial System's earnings per share of $0.83 missed the Zacks Consensus Estimate of $0.86, indicating potential challenges in meeting analyst expectations. (nasdaq.com)
The company's stock has lost about 9.8% since the beginning of 2025, underperforming the S&P 500's decline of 6%, which may reflect investor concerns about future performance. (nasdaq.com)
Despite strong financial results, the slight decrease in net income per share from Q4 2024 to Q1 2025 suggests potential areas for improvement in cost management or operational efficiency. (gurufocus.com)
Data summarised monthly by Lightyear AI. Last updated on 5 Jun 2025.
CBU Financial Performance
Revenues and expenses
CBU Earnings Performance
Company profitability
CBU News
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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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Jul10
Community Financial System
Dividend·Payment
$0.46Per share
FAQs
What’s the current market cap for Community Financial System stock?
Community Financial System (CBU) has a market cap of $2.9B as of June 20, 2025.
What is the P/E ratio for Community Financial System stock?
The price to earnings (P/E) ratio for Community Financial System (CBU) stock is 15.02 as of June 20, 2025.
Does Community Financial System stock pay dividends?
Yes, the Community Financial System (CBU) stock pays dividends to shareholders. As of June 20, 2025, the dividend rate is $1.83 and the yield is 3.39%. Community Financial System has a payout ratio of 50.21% on a trailing twelve-month basis.
When is the next Community Financial System dividend payment date?
The next Community Financial System (CBU) dividend payment is scheduled for July 10, 2025.
What is the beta indicator for Community Financial System?
Community Financial System (CBU) has a beta rating of 0.79. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.