NVDA+2.54%AAPL+1.32%GOOGL−1.62%MSFT+0.20%AMZN−0.10%TSM+1.60%SPCX+7.79%META+0.47%
StockVS

NYSE · Banks - Regional · USD

Community Financial System, Inc. (CBU) Stock Analysis

Community Financial System, Inc. (CBU) is a Banks - Regional stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

CBU

$60.74

−$0.07 (−0.12%)

Oct 21, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare CBU with… →

CBU Key Statistics

As of Oct 21, 2026
Trading
Open
$60.94
Previous Close
$60.81
Day's Range
60.37–60.85
52-Week Range
53.46–71.11
Volume
145.18K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.78
Valuation
Market Cap
$3.11B
P/E Ratio
13.70
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
11.40
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
2.62
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.71
EPS (ttm)Profit attributable to each share over the last twelve months.
4.31
Financials (FY)
Revenue (FY)
$818.29M+9.65%
Net Income (FY)
$210.46M+15.33%
Profit marginThe share of revenue left as profit after all costs and taxes.
27.21%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
52.62M
1-Year Return
+10.65%
Dividend and dates
Dividend
3.23%
Ex-Dividend Date
September 15, 2026
Earnings Date
October 27, 2026
Avg Volume
259.17K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, CBU closed at $60.74, +10.65% over 1 year.

Community Financial System, Inc. (CBU) has a market capitalization of $3.11B.

In fiscal 2025, CBU reported revenue of $818.29M.

CBU Stock Return by Calendar Year

Community Financial System, Inc. (CBU) 10-year return: what $10,000 became

1 year
$10,000 $11,065
+10.65%
5 years
$10,000 $9,729
−2.71%
10 years
$10,000 $16,832
+68.32%

If you had invested $10,000 in Community Financial System, Inc. (CBU) 10 years ago, at the close on October 21, 2016, it would have been worth $16,832 at the close on October 21, 2026: +68.32% in total, +5.34% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+7.38%
2025−3.84%
2024+22.61%
2023−14.17%
2022−13.16%
2021+22.28%
2020−9.59%
2019+24.69%
2018+11.06%
2017−10.90%
2016 (partial year)+41.15%

As of October 21, 2026.

CBU Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$818.29M$210.46M25.7%
2024$746.30M$182.48M24.5%
2023$651.88M$131.92M20.2%
2022$679.36M$188.08M27.7%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$818.29M——$210.46M25.7%
2024$746.30M——$182.48M24.5%
2023$651.88M——$131.92M20.2%
2022$679.36M——$188.08M27.7%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

CBU Dividend History

$1.86+2.2% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$1.433—
2025$1.864+2.2%
2024$1.824+2.2%
2023$1.784+2.3%
YearDividends per sharePaymentsChange
2026 (partial year)$1.433—
2025$1.864+2.2%
2024$1.824+2.2%
2023$1.784+2.3%
2022$1.744+2.4%
2021$1.704+2.4%
2020$1.664+5.1%
2019$1.584+9.7%
2018$1.444+9.1%
2017$1.324+312.5%
2016$0.321—

Most recent payment: $0.48 per share, ex-dividend September 15, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

CBU Valuation vs Banks - Regional Median

Median of 326 stocks
MetricCBUBanks - Regional medianvs median
P/E13.7012.0314% above
P/S ratio3.713.584% above
Profit margin27.21%29.44%2.2 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 13 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Community Financial System, Inc. (CBU) is capitalised at $3.11B on the latest close. The company sits in the Financial Services sector, in the Banks - Regional industry. The company reports 2,853 employees.

CBU last closed at $60.74 on October 21, 2026. That is −$0.07 (−0.12%) against the previous close. The 52-week range on file runs from $53.46 to $71.11. The latest close sits 13.62% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $818.29M. That is +9.65% against the prior fiscal year, when revenue was $746.30M. The same year closed with net income of $210.46M. That is +15.33% against the prior fiscal year. Profit margin runs at 27.21%. That is 2.2 percentage points below the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 4.31.

Across the 4 fiscal years on file, revenue moves from $679.36M in 2022 to $818.29M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

CBU trades at a trailing price-to-earnings ratio of 13.7. That is 13.88% above the Banks - Regional median of 12.03. The forward P/E on file is 11.4. The PEG ratio, which sets the P/E against expected earnings growth, reads 2.62. The price-to-sales ratio is 3.71. On price-to-sales that is 3.57% above the Banks - Regional median of 3.58. The medians here are taken across 326 Banks - Regional companies that report the metric.

The trailing one-year total return is +10.65%. Across 10 years the annualized return works out at +5.34%. The reported beta is 0.78. Annualized volatility over the trailing 10 years is 30.09%.

Growth & Income

CBU pays a dividend yielding 3.23%. That is 0.5 percentage points above the Banks - Regional median yield of 2.68%. The ex-dividend date on file is September 15, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $1.43 a share. The year before, 2025, totalled $1.86 a share.

The strongest complete calendar year on file is 2019 at +24.69%; the weakest is 2023 at −14.17%. Of the 9 complete calendar years on file, 4 finished higher. So far in 2026 the total return is +7.38%.

Peer Comparison

Community Financial System, Inc. (CBU) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Community Financial System, Inc. CBU $3.11B 13.7
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. Community Financial System, Inc. trades at a P/E of 13.7.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$120.84B

 HDB

HDFC Bank Limited

$116.51B

 ITUB

Itaú Unibanco Holding S.A.

$106.91B

 IBN

ICICI Bank Limited

$106.04B

 USB

U.S. Bancorp

$92.00B

 PNC

The PNC Financial Services Group, Inc.

$88.92B
View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.11T

 JPM

JPMorgan Chase & Co.

$890.13B

 V

Visa Inc.

$765.68B

 MA

Mastercard Incorporated

$545.42B

 BAC

Bank of America Corporation

$358.24B
View all Financial Services stocks →

About Community Financial System, Inc.

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

Visit website →