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    C

    Community Bank System Inc (CBU)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $59.04
    +0.27 (+0.46%)

    Market Cap: $3.11B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    62%(24/39)
    Avg Surprise
    +2.13%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.19
    Range$1.17 - $1.22
    6 analysts
    EPS Revisions
    1
    0
    7d
    1
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$1.24-3.8%
    60d ago$1.19+0.6%
    30d ago$1.19+0.6%
    7d ago$1.19+0.1%
    Current$1.19
    Revenue Consensus
    $227M
    Range$225M - $229M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.14
    Range$1.10 - $1.19
    6 analysts
    Revenue Consensus
    $231M
    Range$228M - $234M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.14---
    Sep 26EST
    		-$1.19---
    Jun 26
    Reported Jul 28
    		$1.16$1.19-2.52%Miss+17.2%
    Mar 26
    Reported Apr 29
    		$1.08$1.09-0.92%Miss+16.1%
    Dec 25
    Reported Jan 27
    		$1.07$1.13-5.31%Miss+13.8%
    Sep 25
    Reported Oct 21
    		$1.05$1.05+0.00%Beat+26.5%
    Jun 25
    Reported Jul 22
    		$0.99$1.01-1.98%Miss+10.0%
    Mar 25
    Reported Apr 29
    		$0.93$0.91+2.20%Beat+22.4%
    Dec 24
    Reported Jan 21
    		$0.94$0.91+3.30%Beat+23.7%
    Sep 24
    Reported Oct 22
    		$0.83$0.88-5.68%Miss+1.2%
    Jun 24
    Reported Jul 23
    		$0.90$0.81+11.11%Beat-1.1%
    Mar 24
    Reported Apr 23
    		$0.76$0.78-2.56%Miss-11.6%
    Dec 23
    Reported Jan 23
    		$0.76$0.84-9.52%Miss-20.8%
    Sep 23
    Reported Oct 24
    		$0.82$0.88-6.82%Miss-8.9%
    Jun 23
    Reported Jul 31
    		$0.91$0.85+7.06%Beat+7.1%
    Mar 23
    Reported Apr 25
    		$0.86$0.91-5.49%Miss-1.1%
    Dec 22
    Reported Jan 24
    		$0.96$0.93+3.23%Beat+18.5%
    Sep 22
    Reported Oct 24
    		$0.90$0.92-2.17%Miss+8.4%
    Jun 22
    Reported Jul 25
    		$0.85$0.84+1.19%Beat-3.4%
    Mar 22
    Reported Apr 25
    		$0.87$0.76+14.47%Beat-10.3%
    Dec 21
    Reported Jan 24
    		$0.81$0.82-1.22%Miss-4.7%
    Sep 21
    Reported Oct 25
    		$0.83$0.80+3.75%Beat-2.4%
    Jun 21
    Reported Jul 26
    		$0.88$0.80+10.00%Beat+15.8%
    Mar 21
    Reported Apr 26
    		$0.97$0.79+22.78%Beat+26.0%
    Dec 20
    Reported Jan 25
    		$0.85$0.76+11.84%Beat+2.4%
    Sep 20
    Reported Oct 26
    		$0.85$0.69+23.19%Beat+1.2%
    Jun 20
    Reported Jul 27
    		$0.76$0.66+15.15%Beat-5.0%
    Mar 20
    Reported Apr 20
    		$0.77$0.73+5.48%Beat-4.9%
    Dec 19
    Reported Jan 22
    		$0.83$0.82+1.22%Beat+6.4%
    Sep 19
    Reported Oct 21
    		$0.84$0.81+3.70%Beat+2.4%
    Jun 19
    Reported Jul 22
    		$0.80$0.80+0.00%Beat-7.0%
    Mar 19
    Reported Apr 22
    		$0.81$0.76+6.58%Beat+3.8%
    Dec 18
    Reported Jan 23
    		$0.78$0.80-2.50%Miss+18.2%
    Sep 18
    Reported Oct 22
    		$0.82$0.78+5.13%Beat+20.6%
    Jun 18
    Reported Jul 23
    		$0.86$0.80+7.50%Beat+145.7%
    Mar 18
    Reported Apr 24
    		$0.78$0.73+6.85%Beat+36.8%
    Dec 17
    Reported Jan 22
    		$0.66$0.68-2.94%Miss+11.9%
    Sep 17
    Reported Oct 23
    		$0.68$0.67+1.49%Beat-
    Jun 17
    Reported Jul 31
    		$0.35$0.52-32.69%Miss-
    Mar 17
    Reported Apr 24
    		$0.57$0.58-1.72%Miss-
    Dec 16
    Reported Jan 23
    		$0.59$0.59+0.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield3.32%
    Forward Annual Dividend$1.96
    Payout Ratio43.83%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+2.25%
    5Y CAGR+2.30%
    CBU dividend history and ex-dividend datesRun CBU in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio13.54EV/EBITDA10.29x
    Price/FCF12.59xFCF Yield7.94%
    Profitability
    Profit Margin27.20%Operating Margin39.20%
    ROE11.50%ROIC8.04%
    Financial Health
    Debt/Equity0.37xInterest Coverage1.60x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.78Avg Volume321.26K
    52-Week High$70.5652-Week Low$51.83

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$59.45
    SMA 20$60.20
    SMA 50$62.03
    SMA 200$62.17
    EMA 10$59.42
    EMA 20$60.13
    EMA 50$61.61
    EMA 200$61.59

    MACD

    Line: -0.94Signal: -0.91Hist: -0.03

    ADX

    ADX: 34.0+DI: 13.9-DI: 34.4

    Aroon & PSAR

    Aroon Up12.0
    Aroon Down100.0
    PSAR$60.59

    Bollinger Bands

    Upper Band$62.35
    Lower Band$58.04
    %B Position715%(Upper)
    Band Width0.23

    RSI (14-Day)

    Neutral
    38.0

    Momentum Oscillators

    Stoch %K32.5
    Stoch %D25.5
    Williams %R-56.7
    ROC (10d)-0.8%
    Momentum-0.50
    CCI (20d)-128.8
    MFI (14d)23.3

    Volatility Measures

    ATR (14d)$1.20(2.0%)
    StdDev (20d)1.08
    Hist Vol14.4%(Low)

    Volume Flow

    VWAP$58.38
    OBV-2.2K
    AD Line-97.3M
    CMF (20d)-0.174

    Volume Metrics

    Avg Vol (20d)316.8K
    Vol Ratio1.0x
    VWMA (20d)$60.42

    Pivot Points

    R3$60.90
    R2$60.45
    R1$59.61
    Pivot Point$59.15
    S1$58.32
    S2$57.86
    S3$57.02

    Advanced Oscillators

    TSI-27.22
    Ultimate Osc49.6
    KST-47.66

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$223.16M$213.29M$215.45M$207.05M$199.26M$196.25M$196.29M$188.94M$183.80M$177.28M$176.96M$175.37M
    Cost of RevenueN/A$50.91M$53.02M$54.68M$52.25M$54.13M$56.17M$58.86M$50.34M$51.82M$41.21M$32.65M
    Gross ProfitN/A$207.65M$210.76M$201.49M$195.14M$189.56M$190.08M$181.23M$181.09M$171.13M$172.89M$172.49M
    Operating Expenses$137.73M$133.04M$138.55M$128.32M$129.10M$125.29M$125.54M$124.20M$119.00M$118.08M$129.09M$116.50M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$74.61M$71.92M$73.17M$66.04M$64.27M$64.54M$57.03M$62.09M$53.04M$43.80M$55.99M
    Interest Income$184.35M$179.99M$181.47M$177.28M$172.88M$167.65M$169.93M$163.90M$157.04M$152.66M$146.33M$137.56M
    Interest Expense$45.21M$45.27M$48.04M$49.12M$48.13M$47.44M$49.96M$51.16M$47.63M$45.67M$37.14M$29.77M
    Income Before Tax$80.81M$74.61M$71.92M$73.17M$66.04M$64.27M$64.54M$57.03M$62.09M$53.04M$43.80M$55.99M
    Income Tax Expense$19.48M$17.40M$17.50M$18.08M$14.71M$14.65M$14.75M$13.13M$14.18M$12.17M$10.09M$11.86M
    Net Income$61.33M$57.22M$54.42M$55.09M$51.33M$49.61M$49.79M$43.90M$47.91M$40.87M$33.71M$44.13M
    EBITDA$94.57M$88.20M$84.15M$84.30M$76.65M$74.58M$75.55M$66.48M$71.87M$62.28M$52.93M$64.93M
    EBIT$80.81M$74.61M$71.92M$73.17M$66.04M$64.27M$64.54M$57.03M$62.09M$53.04M$43.80M$55.99M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Community Financial System, Inc. (CBU) Stock Price, News, Quote & History

    This Yahoo Finance page provides a comprehensive overview of Community Financial System, Inc. (CBU), including its current stock price, historical data...

    Yahoo! Finance Canada•10/1/26•Neutral

    Community Bank System stock holds steady as investors weigh recent earnings and dividend outlook

    Community Bank System stock (CBU) is trading near recent levels as investors assess its latest quarterly earnings and consistent dividend profile. The article highlights how the bank's net interest income, fee income...

    AD HOC NEWS•9/21/26•Somewhat-Bullish

    Community Bank System stock holds steady as investors weigh recent earnings

    Community Bank System stock is trading stably as investors evaluate its latest quarterly earnings. The regional lender's recent 2026 results showed mid-single-digit revenue and EPS growth compared to the prior year...

    AD HOC NEWS•9/20/26•Somewhat-Bullish

    Community Financial System, Inc. (NYSE:CBU) Given Consensus Recommendation of "Moderate Buy" by Brokerages

    Community Financial System, Inc. (NYSE:CBU) has received a "Moderate Buy" consensus rating from analysts, with an average 12-month price target of $71.50...

    MarketBeat•9/13/26•Somewhat-Bullish

    Bank of New York Mellon Corp Makes New Investment in Community Financial System, Inc. $CBU

    Bank of New York Mellon Corp has made a new investment in Community Financial System, Inc. (NYSE:CBU), purchasing 544,140 shares valued at approximately $36.5 million. This investment represents about 1.04%...

    MarketBeat•8/29/26•Somewhat-Bullish

    CBU Valuation and Fair Value

    P/E
    13.5x
    Forward P/E
    15.8x
    EV/EBITDA
    10.3x
    P/FCF
    12.6x
    PEG
    2.6x
    P/B
    1.5x
    See GNG's fair value

    CBU Profitability: Margins, ROIC and FCF

    Operating margin
    39.2%
    Net margin
    27.2%
    ROIC
    8.0%
    ROE
    11.5%
    FCF margin
    28.7%
    FCF yield
    7.9%

    CBU Competitors

    CompanyTicker
    Golub Capital BDC IncGBDC
    Fulton Financial CorporationFULTP
    AllianceBernstein Holding L.P.AB
    Seacoast Banking Corporation of FloridaSBCF
    Park National CorporationPRK
    Hercules Capital, Inc.HTGC
    Towne BankTOWN
    Digitalbridge Group IncDBRG

    Sector: Financial Services

    CBU Analyst Ratings

    Consensus
    Hold
    Analysts
    6
    Strong Buy
    0
    Buy
    1
    Hold
    5
    Sell
    0
    Strong Sell
    0

    CBU Bull Case vs Bear Case

    Bull case

    • CBU converts 28.7% of revenue into free cash flow.
    • CBU has a 27.2% net profit margin.
    • CBU grew quarterly revenue 12.0% year over year.

    Bear case

    • CBU beat EPS estimates in 25.0% of its last 8 reported quarters.

    CBU Earnings: Beat Rate and Next Report

    Beat rate
    2 of 8 quarters (25.0%)
    Average surprise
    -1.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.19
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 0 down

    CBU Dividend

    Forward yield
    3.3%
    Payout ratio
    43.8%
    3Y DPS growth
    2.2%
    5Y DPS growth
    2.3%
    Pay months
    Jan, Apr, Jul, Oct
    CBU dividend history

    Frequently Asked Questions About CBU

    What is CBU's current dividend yield?

    Community Bank System Inc (CBU) has a forward dividend yield of 3.32%.

    Does CBU pay dividends?

    Yes, Community Bank System Inc pays dividends with a forward dividend yield of 3.32%.

    What is CBU's P/E ratio?

    Community Bank System Inc has a price-to-earnings (P/E) ratio of 13.54.

    What is CBU's market cap?

    Community Bank System Inc (CBU) has a market capitalization of $3.11B with a current stock price of $59.04.

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