Community Financial System/$CBU
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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
Employees
2,824
Headquarters
Website
CBU Metrics
BasicAdvanced
$3B
14.45
$3.88
0.77
$1.85
3.35%
Price and volume
Market cap
$3B
Beta
0.77
52-week high
$71.44
52-week low
$49.44
Average daily volume
241K
Dividend rate
$1.85
Financial strength
Profitability
Net profit margin (TTM)
26.51%
Operating margin (TTM)
36.37%
Effective tax rate (TTM)
23.20%
Revenue per employee (TTM)
$270,000
Management effectiveness
Return on assets (TTM)
1.23%
Return on equity (TTM)
11.05%
Valuation
Price to earnings (TTM)
14.445
Price to revenue (TTM)
3.801
Price to book
1.52
Price to tangible book (TTM)
2.84
Dividend yield (TTM)
3.30%
Forward dividend yield
3.35%
Growth
Revenue change (TTM)
9.90%
Earnings per share change (TTM)
24.07%
3-year revenue growth (CAGR)
6.15%
3-year earnings per share growth (CAGR)
5.67%
10-year earnings per share growth (CAGR)
5.42%
3-year dividend per share growth (CAGR)
2.26%
10-year dividend per share growth (CAGR)
4.34%
What the Analysts think about CBU
Analyst ratings (Buy, Hold, Sell) for Community Financial System stock.
Bulls say / Bears say
In Q2 2025, Community Financial set new quarterly records with net interest income of $124.7 million (up 14.0% YoY) and total revenues of $199.3 million (up 8.4% YoY), underscoring robust core banking performance. (Nasdaq)
Total ending loans grew to $10.52 billion in Q2 2025, a 4.9% increase year-over-year, demonstrating strong loan growth momentum and expansion of interest-earning assets. (Business Wire)
On July 16, 2025, the Board declared a quarterly dividend of $0.47 per share—a $0.01 (2.2%) increase—marking the 33rd consecutive year of dividend growth and reflecting the company’s solid cash flow generation. (Business Wire)
In Q1 2025, Community Financial’s revenue of $196.2 million fell slightly short of the $197.1 million analysts had forecast, highlighting challenges in sustaining top-line momentum. (Investing.com)
The planned purchase of seven Santander branches carries a $48 million, or 8.0%, deposit premium payment, which could compress net interest margins and is contingent on regulatory approvals. (Reuters)
On March 12, 2025, Keefe, Bruyette & Woods maintained its Market Perform rating on CBU, signaling that analysts remain cautious about the stock’s ability to outperform at current valuation levels. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 8 Oct 2025.
CBU Financial Performance
Revenues and expenses
CBU Earnings Performance
Company profitability
CBU News
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FAQs
What’s the current market cap for Community Financial System stock?
Community Financial System (CBU) has a market cap of $3B as of October 31, 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 14.45 as of October 31, 2025.
Does Community Financial System stock pay dividends?
Yes, the Community Financial System (CBU) stock pays dividends to shareholders. As of October 31, 2025, the dividend rate is $1.85 and the yield is 3.35%. Community Financial System has a payout ratio of 0% 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 January 12, 2026.
What is the beta indicator for Community Financial System?
Community Financial System (CBU) has a beta rating of 0.77. 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.