Community Financial System, Inc. (CBU) Stock Price

CBUStock

$62.93+4.63%52W

Market Cap$3.31B

P/E16.38x

PEG Ratio2.62

Div yield4.02%

Beta0.79

CBU Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-12.65%

Price vs S&P 500 (4W)-5.72%

PEG Ratio2.62

VGM Score27.69

P/E Ratio (Annual)16.38x

Indicated Dividend Yield (Annual)4.02%

P/CF (Annual)11.42x

Book Value / Share (Quarterly)$38.52

P/TBV (Annual)1.55x

Indicated Dividend (Annual)$1.96

Revenue Growth (3Y)4.78%

Cash Flow / Share (Quarterly)$4.60

Payout Ratio (TTM)44.99%

Price vs S&P 500 (YTD)-2.24%

Net Profit Margin (TTM)23.15%

EPS (TTM)$4.13

10-Day Avg Trading Volume0.18M

EPS Excl Extra (TTM)$4.13

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)15.81x

Revenue Growth QoQ (YoY)18.71%

EPS Growth (5Y)5.21%

P/E Normalized (Annual)16.38x

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 Ratio1.70x

P/B Ratio (Quarterly)1.52x

Net Income / Employee (Annual)$73,800

ROA (TTM)1.27%

EPS Growth QoQ (YoY)15.63%

EV / EBITDA (TTM)11.66x

EPS Incl Extra (Annual)$3.98

3-Month Avg Trading Volume0.27M

52-Week Price Return4.63%

EV / Free Cash Flow (Annual)15.63x

P/E Incl Extra (TTM)15.81x

Tangible BV / Share (Quarterly)$37.50

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-1.41%

13-Week Price Return-0.22%

Total Debt / Equity (Annual)0.12x

Enterprise Value$3.65B

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 Dev24.26%

Net Income / Employee (TTM)$76,400

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)14.26x

EV / Free Cash Flow (TTM)15.09x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$4.13

ROI (TTM)10.03%

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/E12.87x

Free OCF CAGR (5Y)7.16%

Price vs S&P 500 (52W)-13.68%

P/E Ratio (TTM)15.81x

EPS Growth TTM (YoY)-6.04%

Year-to-Date Return9.71%

5-Day Price Return-2.46%

EPS Normalized (Annual)$3.98

ROA (5Y Avg)1.12%

Net Profit Margin (Annual)27.69%

Month-to-Date Return-2.76%

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)11.09x

ROI (5Y Avg)8.53%

P/E Excl Extra (TTM)15.81x

LT Debt / Equity (Quarterly)0.00x

EPS Basic Excl Extra (TTM)$4.13

P/TBV (Quarterly)1.56x

Payout Ratio (Annual)46.36%

P/B Ratio (Annual)1.51x

Dividend / Share (TTM)$1.86

Pretax Margin (TTM)29.45%

Book Value / Share (Annual)$38.08

Price vs S&P 500 (13W)-3.02%

Net Margin Growth (5Y)4.94%

Dividend Yield (TTM)2.85%

Beta0.79x

P/FCF (Annual)14.77x

Revenue / Share (TTM)$12.10

ROE (TTM)11.11%

52-Week Low$53.46

vGradeD

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mGradeD

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CBU Earnings Surprise History

Q2 250.99est. 1.01

Q3 251.05est. 1.05

Q4 251.07est. 1.13

Q1 261.09est. 1.09

Q2 261.10est. 1.18

CBU Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.60

Industry Peers — National Banks(119)

Symbol	Value Score	Growth Score	Momentum Score	Price
CBUCommunity Financial System, Inc.	D	D	D	$62.93
JPMJPMorgan Chase & Co.	D	B	B	$356.69
BACBank of America Corporation	C	C	B	$62.43
WFCWells Fargo & Co.	C	C	D	$84.79
CCitigroup Inc.	C	C	C	$133.25
UBSUBS Group AG	C	C	B	$54.23
COFCapital One Financial	B	D	C	$216.24
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	$10.41
PNCPNC Financial Services Group	C	C	C	$244.11
USBU.S. Bancorp	C	C	C	$62.41
TFCTruist Financial Corporation	B	C	D	$50.30
SHGShinhan Financial Group Co Ltd	B	C	D	$76.81
HBANHuntington Bancshares Inc	C	C	D	$16.95
RFRegions Financial Corp.	C	D	D	$30.63
KEYKeyCorp	C	C	D	$21.89
PNFPPinnacle Financial Partners, Inc.	D	B	D	$100.77
WBSWebster Financial Corporation Waterbury	C	B	C	$77.57
FHNFirst Horizon Corporation	C	B	F	$24.42
UMBFUMB Financial Corp	C	B	C	$143.57
CFRCullen/Frost Bankers Inc.	D	C	B	$163.38
ZIONZions Bancorporation N.A.	B	C	C	$67.57
ONBOld National Bancorp	C	B	D	$25.66
BOKFBOK Financial Corp	C	C	C	$138.62
VLYValley National Bancorp	C	B	C	$14.10
FNBF.N.B. Corp	B	C	D	$18.37
FULTFulton Financial Corp	B	C	C	$23.66
WSFSWSFS Financial Corp	D	B	B	$78.58
WSBCWesBanco Inc	B	B	C	$40.51
BANFBancfirst Corp	D	C	F	$111.09
PRKPark National Corporation	D	D	B	$199.89
NICNicolet Bankshares,Inc.	F	C	B	$171.12
FFBCFirst Financial Bancorp	B	B	C	$32.66
SFNCSimmons First National Corp	B	C	D	$22.70
BANCBanc of California, Inc.	B	C	D	$18.59
TBBKThe Bancorp Inc.	D	B	C	$66.98
TRMKTrustmark Corp	C	C	D	$46.11
WAFDWaFd, Inc. Common Stock	B	C	D	$36.21
NBTBNBT Bancorp Inc	C	C	C	$51.39
FRMEFirst Merchants Corp	B	C	D	$41.56
NWBINorthwest Bancshares, Inc	C	D	C	$15.30
FCFFirst Commonwealth Financial Corporation	C	C	C	$20.73
CHCOCity Holding Co	D	D	B	$144.47
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	D	$41.29
OCFCOceanFirst Financial Corp	D	C	F	$18.86
DCOMDime Commercial Bancshares, Inc.	C	B	B	$40.39
HOPEHope Bancorp, Inc.	C	C	B	$13.87
FSUNFirstSun Capital Bancorp Common Stock	D	F	D	$40.29
CASHPathward Financial, Inc. Common Stock	B	C	D	$83.59
BFCBank First Corporation Common Stock	F	C	C	$152.99
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	C	C	$71.76
WABCWestamerica Bancorporation	C	D	C	$57.92

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.