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
$3.2B
13.95
$4.31
0.79
$1.88
3.13%
Price and volume
Market cap
$3.2B
Beta
0.79
52-week high
$71.11
52-week low
$53.46
Average daily volume
270K
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)
13.946
Price to revenue (TTM)
3.777
Price to book
1.53
Price to tangible book (TTM)
2.85
Price to free cash flow (TTM)
12.833
Free cash flow yield (TTM)
7.79%
Free cash flow per share (TTM)
4.686
Dividend yield (TTM)
3.13%
Forward dividend yield
3.13%
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)
14.62%
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
Q2 net interest income increased to $139.1 million from $124.7 million, while net interest margin expanded 19 basis points to 3.46%, supporting continued earnings momentum. (SEC)
The $39 million ClearPoint acquisition adds a national trust-administration business serving the death-care industry, with more than $1.5 billion of assets under management and a stated three-year revenue CAGR of 9.7%. (Community Financial System)
CBU raised its quarterly dividend 4.26% to $0.49 per share, marking its 34th consecutive year of dividend increases and signaling confidence in capital generation. (Community Financial System)
Second-quarter diluted EPS of $1.16 slightly missed the $1.18 consensus estimate, indicating that strong revenue growth did not fully translate into earnings upside. (MarketScreener)
Noninterest expenses rose 6.7% year over year in Q2, driven partly by technology investments, higher compensation, acquisitions, and newly opened branches; sustained spending could constrain operating leverage. (SEC)
Credit-loss provision expense increased 11.9% year over year in Q2 to $4.6 million, a reminder that deterioration in loan performance could offset the benefit from higher net interest income. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 11 Sept 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 Wire2 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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