C

    Community Bank System Inc (CBU)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $62.76
    -0.40 (-0.63%)

    Market Cap: $3.32B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    63%(25/40)
    Avg Surprise
    +2.12%

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$1.19
    Range$1.17 - $1.20
    6 analysts
    EPS RevisionsNo revisions (7d)
    0
    4
    30d
    EPS Estimate Drift
    90d ago$1.24+4.8%
    60d ago$1.25+5.5%
    30d ago$1.24+4.6%
    7d ago$1.24+4.5%
    Current$1.19
    Revenue Consensus
    $227M
    Range$227M - $228M
    4 analysts
    Dec 31, 2026
    EPS Consensus$1.13
    Range$1.09 - $1.16
    6 analysts
    Revenue Consensus
    $230M
    Range$227M - $234M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.13---
    Sep 26EST
    		-$1.19---
    Jun 26
    		$1.16$1.19-2.52%Miss+17.2%
    Mar 26
    		$1.08$1.09-0.92%Miss+16.1%
    Dec 25
    		$1.07$1.13-5.31%Miss+13.8%
    Sep 25
    		$1.05$1.05+0.00%Beat+26.5%
    Jun 25
    		$0.99$1.01-1.98%Miss+10.0%
    Mar 25
    		$0.93$0.91+2.20%Beat+22.4%
    Dec 24
    		$0.94$0.91+3.30%Beat+23.7%
    Sep 24
    		$0.83$0.88-5.68%Miss+1.2%
    Jun 24
    		$0.90$0.81+11.11%Beat-1.1%
    Mar 24
    		$0.76$0.78-2.56%Miss-11.6%
    Dec 23
    		$0.76$0.84-9.52%Miss-20.8%
    Sep 23
    		$0.82$0.88-6.82%Miss-8.9%
    Jun 23
    		$0.91$0.85+7.06%Beat+7.1%
    Mar 23
    		$0.86$0.91-5.49%Miss-1.1%
    Dec 22
    		$0.96$0.93+3.23%Beat+18.5%
    Sep 22
    		$0.90$0.92-2.17%Miss+8.4%
    Jun 22
    		$0.85$0.84+1.19%Beat-3.4%
    Mar 22
    		$0.87$0.76+14.47%Beat-10.3%
    Dec 21
    		$0.81$0.82-1.22%Miss-4.7%
    Sep 21
    		$0.83$0.80+3.75%Beat-2.4%
    Jun 21
    		$0.88$0.80+10.00%Beat+15.8%
    Mar 21
    		$0.97$0.79+22.78%Beat+26.0%
    Dec 20
    		$0.85$0.76+11.84%Beat+2.4%
    Sep 20
    		$0.85$0.69+23.19%Beat+1.2%
    Jun 20
    		$0.76$0.66+15.15%Beat-5.0%
    Mar 20
    		$0.77$0.73+5.48%Beat-4.9%
    Dec 19
    		$0.83$0.82+1.22%Beat+6.4%
    Sep 19
    		$0.84$0.81+3.70%Beat+2.4%
    Jun 19
    		$0.80$0.80+0.00%Beat-7.0%
    Mar 19
    		$0.81$0.76+6.58%Beat+3.8%
    Dec 18
    		$0.78$0.80-2.50%Miss+18.2%
    Sep 18
    		$0.82$0.78+5.13%Beat+20.6%
    Jun 18
    		$0.86$0.80+7.50%Beat+145.7%
    Mar 18
    		$0.78$0.73+6.85%Beat+36.8%
    Dec 17
    		$0.66$0.68-2.94%Miss+11.9%
    Sep 17
    		$0.68$0.67+1.49%Beat+11.5%
    Jun 17
    		$0.35$0.52-32.69%Miss-
    Mar 17
    		$0.57$0.58-1.72%Miss-
    Dec 16
    		$0.59$0.59+0.00%Beat-
    Sep 16
    		$0.61$0.60+1.67%Beat-

    Dividends

    Dividend Metrics

    Yield3.00%
    Annual/Share$1.88
    Payout Ratio43.37%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR+2.25%
    5Y CAGR+2.30%
    View CBU's full dividend history

    Key Metrics

    Valuation
    P/E Ratio14.39EV/EBITDAN/A
    Price/FCF13.39xFCF Yield7.47%
    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
    Beta0.79Avg Volume190.47K
    52-Week High$71.1152-Week Low$52.24

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$63.26
    SMA 20$64.31
    SMA 50$65.84
    SMA 200$61.83
    EMA 10$63.41
    EMA 20$64.10
    EMA 50$64.70
    EMA 200$62.41

    MACD

    Line: -0.82Signal: -0.70Hist: -0.12

    ADX

    ADX: 16.7+DI: 18.3-DI: 30.3

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down92.0
    PSAR$65.09

    Bollinger Bands

    Upper Band$66.81
    Lower Band$61.80
    %B Position778%(Upper)
    Band Width0.19

    RSI (14-Day)

    Neutral
    37.6

    Momentum Oscillators

    Stoch %K20.4
    Stoch %D19.3
    Williams %R-85.6
    ROC (10d)-3.5%
    Momentum-2.25
    CCI (20d)-102.4
    MFI (14d)40.0

    Volatility Measures

    ATR (14d)$1.16(1.8%)
    StdDev (20d)1.25
    Hist Vol13.9%(Low)

    Volume Flow

    VWAP$62.64
    OBV135.8K
    AD Line-86.8M
    CMF (20d)-0.190

    Volume Metrics

    Avg Vol (20d)179.0K
    Vol Ratio1.1x
    VWMA (20d)$64.33

    Pivot Points

    R3$64.14
    R2$63.84
    R1$63.50
    Pivot Point$63.21
    S1$62.87
    S2$62.57
    S3$62.23

    Advanced Oscillators

    TSI-18.75
    Ultimate Osc45.3
    KST-44.14

    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

    Related GNG Research

    No research available

    Be the first to write about CBU

    News

    COMMUNITY BANK SYSTEM ($CBU) Releases Q2 2026 Earnings

    COMMUNITY BANK SYSTEM ($CBU) reported its Q2 2026 earnings, with earnings per share of $1.16 missing estimates, though revenue of $224,050,000 exceeded expectations. Recent insider trading activity shows five sales and no purchases in the last six months, while institutional investors show mixed activity with some adding and others decreasing positions. Analysts have set a median price target of $69.0 for CBU.

    Quiver Quantitative•7/28/26•
    Somewhat-Bearish

    Community Financial System, Inc. Reports Second Quarter 2026 Results

    Community Financial System, Inc. (CFSI) has announced its second quarter 2026 results. The detailed report is accessible on the investor relations section of the company's website. Management is scheduled to host a conference call today, July 28, 2026, at 11:00 a.m. ET to discuss these results.

    Business Wire•7/28/26•
    Somewhat-Bullish

    Community Bank System earnings missed by $0.01, revenue topped estimates

    Community Bank System (NYSE: CBU) reported second-quarter EPS of $1.16, missing analyst estimates by $0.01, despite revenue topping expectations at $223.16 million against a consensus of $221.21 million. The bank's stock closed at $66.59, showing a 5.10% increase over the last three months and 23.31% over the past year. InvestingPro indicates a "fair performance" for Community Bank System's financial health.

    Investing.com•7/28/26•
    Somewhat-Bearish

    Community Bank System earnings on deck as lending rebounds By Investing.com

    Community Bank System Inc. is set to report second-quarter earnings, with analysts anticipating strong growth due to a sector-wide lending rebound and strategic expansion. Investors will be focused on the company's ability to maintain its growth trajectory amid aggressive expansion, monitor net interest margin performance, and assess its diversified revenue streams. The bank recently raised its dividend for the 34th consecutive year, demonstrating confidence in its cash flow generation.

    Investing.com UK•7/27/26•
    Bullish

    Community Bank System earnings on deck as lending rebounds By Investing.com

    Community Bank System (CBU) is expected to report strong second-quarter earnings, with analysts forecasting significant year-over-year growth in EPS and revenue, driven by a sector-wide lending rebound and expansion efforts. Investors will be closely watching net interest margin performance, its diversified revenue streams, and progress on its ambitious expansion strategy including new branches and potential acquisitions. The bank's ability to maintain its growth trajectory while managing costs will be key to validating its premium valuation.

    Investing.com Nigeria•7/27/26•
    Neutral

    Frequently Asked Questions About CBU

    What is CBU's current dividend yield?
    Community Bank System Inc (CBU) has a current dividend yield of 3.00%.
    Does CBU pay dividends?
    Yes, Community Bank System Inc pays dividends with a current yield of 3.00%.
    What is CBU's P/E ratio?
    Community Bank System Inc has a price-to-earnings (P/E) ratio of 14.39.
    What is CBU's market cap?
    Community Bank System Inc (CBU) has a market capitalization of $3.32B with a current stock price of $62.76.

    Get full access to GNG Research

    Create a free account to access portfolio tracking, advanced tools, and more.

    Create Free AccountLog In