Community Financial System, Inc. (CBU) Stock Price

CBUStock

$60.24+9.51%52W

Market Cap$3.17B

P/E15.06x

PEG Ratio2.62

Div yield4.02%

Beta0.79

CBU Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-12.73%

Price vs S&P 500 (4W)-0.07%

PEG Ratio2.62

VGM Score32.91

P/E Ratio (Annual)15.06x

Indicated Dividend Yield (Annual)4.02%

P/CF (Annual)10.50x

Book Value / Share (Quarterly)$39.41

P/TBV (Annual)1.55x

Indicated Dividend (Annual)$1.96

Revenue Growth (3Y)4.78%

Cash Flow / Share (Quarterly)$4.69

Payout Ratio (TTM)43.23%

Price vs S&P 500 (YTD)-7.05%

Net Profit Margin (TTM)23.15%

EPS (TTM)$4.32

10-Day Avg Trading Volume0.27M

EPS Excl Extra (TTM)$4.32

Revenue Growth (5Y)6.14%

EPS (Annual)$3.98

Dividend / Share (Annual)$1.85

ROI (Annual)9.37%

Net Profit Margin (5Y Avg)28.80%

Cash / Share (Quarterly)$8.53

P/E Basic Excl Extra (TTM)13.90x

Revenue Growth QoQ (YoY)18.71%

EPS Growth (5Y)5.21%

P/E Normalized (Annual)15.06x

ROA (Last FY)1.22%

Revenue Growth TTM (YoY)24.03%

EBITD / Share (TTM)$4.47

ROE (5Y Avg)9.95%

Operating Margin (TTM)29.45%

Cash Flow / Share (Annual)$4.43

P/B Ratio1.53x

P/B Ratio (Quarterly)1.70x

Net Income / Employee (Annual)$73,800

ROA (TTM)1.31%

EPS Growth QoQ (YoY)19.68%

EV / EBITDA (TTM)11.66x

EPS Incl Extra (Annual)$3.98

3-Month Avg Trading Volume0.29M

52-Week Price Return9.51%

EV / Free Cash Flow (Annual)14.26x

P/E Incl Extra (TTM)13.90x

Tangible BV / Share (Quarterly)$38.21

P/S Ratio (Annual)3.52x

52-Week High$71.11

EPS Excl Extra (Annual)$3.98

CapEx CAGR (5Y)36.62%

Tangible BV CAGR (5Y)-0.99%

26-Week Price Return-2.82%

13-Week Price Return-12.51%

Total Debt / Equity (Annual)0.12x

Enterprise Value$3.33B

Revenue / Share Growth (5Y)3.66%

Book Value / Share Growth (5Y)-0.46%

Revenue / Employee (Annual)$244,065,000,000

Pretax Margin (Annual)35.37%

Cash / Share (Annual)$3.91

3-Month Return Std Dev16.90%

Net Income / Employee (TTM)$79,900

EBITDA CAGR (5Y)4.72%

EBITDA Interim CAGR (5Y)-0.83%

ROE (Last FY)10.49%

EPS Basic Excl Extra (Annual)$3.98

P/FCF (TTM)12.85x

EV / Free Cash Flow (TTM)13.49x

Total Debt / Equity (Quarterly)0.08x

EPS Incl Extra (TTM)$4.32

ROI (TTM)10.29%

Dividend Growth Rate (5Y)2.42%

P/S Ratio (TTM)3.67x

Pretax Margin (5Y Avg)36.33%

Revenue / Share (Annual)$12.53

Tangible BV / Share (Annual)$37.04

Forward P/E12.14x

Free OCF CAGR (5Y)7.16%

Price vs S&P 500 (52W)-6.02%

P/E Ratio (TTM)13.90x

EPS Growth TTM (YoY)17.27%

Year-to-Date Return4.87%

5-Day Price Return1.47%

EPS Normalized (Annual)$3.98

ROA (5Y Avg)1.12%

Net Profit Margin (Annual)27.69%

Month-to-Date Return1.18%

Cash Flow / Share (TTM)$3.34

EBITD / Share (Annual)$5.51

EPS Growth (3Y)4.71%

Operating Margin (Annual)35.37%

LT Debt / Equity (Annual)0.00x

P/CF (TTM)10.28x

ROI (5Y Avg)8.53%

P/E Excl Extra (TTM)13.90x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$4.32

P/TBV (Quarterly)1.76x

Payout Ratio (Annual)46.36%

P/B Ratio (Annual)1.51x

Dividend / Share (TTM)$1.87

Pretax Margin (TTM)29.45%

Book Value / Share (Annual)$38.08

Price vs S&P 500 (13W)-15.19%

Net Margin Growth (5Y)4.94%

Dividend Yield (TTM)3.11%

Beta0.79x

P/FCF (Annual)13.58x

Revenue / Share (TTM)$12.10

ROE (TTM)11.34%

52-Week Low$53.46

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CBU Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 28, 2026	$1.18	$1.10	-6.78%(-$0.08)
Q1 2026	Apr 29, 2026	$1.09	$1.09	-0.15%(-$0.00)
Q4 2025	Jan 27, 2026	$1.13	$1.07	-5.31%(-$0.06)
Q3 2025	Oct 21, 2025	$1.05	$1.05	+0.24%(+$0.00)
Q2 2025	Jul 22, 2025	$1.01	$0.99	-1.98%(-$0.02)

CBU Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.60

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69
AMTBAmerant Bancorp Inc.	C	C	A	1.1x	6.1%	0.6%	—	$28.96

About Community Financial System, Inc.

Community Financial System Inc is a diversified financial services company serving retail, commercial, institutional, and governmental clients through banking, wealth management, and insurance services. The company operates four primary business segments—Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services—with Banking and Corporate generating the majority of revenues.

CBU Next Earnings Report

Report dateOct 27, 2026

QuarterQ3 2026

Report timeBMO

EPS estimate$1.19

Revenue estimate$227.15M

Also reporting on Oct 27, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

CBU Insider Transactions

BuySep 9, 2026
SINGH SAVNEET
Director
Shares: 400Value: $24,988
BuyAug 27, 2026
VACCARO JOHN A.
Director
Shares: 317Value: $20,006
BuyAug 24, 2026
HALL BRENDA M
Director
Shares: 476Value: $30,271

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

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FHBFirst Hawaiian, Inc. Common StockState Banks
BKUBankunited, Inc.Savings Institutions
INTRInter & Co. Inc. Class A Common SharesCommercial Banks

Same SIC sector, outside this company's own industry.

Analyst Sentiment

3.6

Buy

Consensus rating

52-Week Range

Low$53.46

High$71.11