Community Bank System, Inc.

Community Bank System, Inc.

CBU
Community Bank System, Inc.US flagNew York Stock Exchange
67.82
USD
-0.11
- -
3.56BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.63
8.91
9.01
9.68
10.55
11.08
11.37
11.23
11.48
12.57
12.13
14.07
15.48
15.79
Basic EPS, GAAP
1.96
2.24
2.21
2.34
3.07
3.28
3.26
3.1
3.51
3.48
2.45
3.44
3.98
4.12
Free Cash Flow per Basic Share
2.57
2.99
2.9
3.06
3.64
4.06
3.8
3.1
3.5
3.73
3.9
4.18
4.41
4.57
Dividend per Share
1.08
1.13
1.19
1.24
1.27
1.39
1.55
1.64
1.68
1.73
1.77
1.81
1.84
1.85
Book Value per Share
13
13.92
14.8
14.87
15.31
16.48
18.03
19.09
20.58
22.33
23.13
25.07
27.28
27.87
Tangible Book Value per Share
12.07
14.73
15.9
16.17
16.5
17.63
19.64
23.67
22.88
12.01
14.88
16.24
20.11
20.42
Basic Weighted Avg Shares
40
41
41
44
49
51
52
53
54
54
54
53
53
53
Sales/Revenue/Turnover
428
363
372
430
518
569
590
596
621
679
652
746
818
836
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
17
18
17
20
33
34
32
31
30
30
28
29
30
33
Net Income, GAAP
79
91
91
104
151
169
169
165
190
188
132
182
210
218
Effective Tax Rate (%)
29
29.56
31
32.85
5.78
20.82
19.24
20.09
21.4
21.74
21.58
22.91
23.58
23.69
Profit Margin (%)
18.43
25.14
24.54
24.17
29.09
29.62
28.66
27.61
30.56
27.69
20.24
24.45
25.72
26.09
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
244
440
403
102
125
100
95
87
5
23
408
619
459
446
Total Equity
876
988
1,141
1,198
1,635
1,714
1,855
2,104
2,101
1,552
1,698
1,763
2,006
2,024
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
15.6
16.75
15.48
16.34
21.36
21.09
18.97
16.9
17.84
16.22
10.77
14.18
15.18
15.41

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
68
- -
- -
LT Borrowings
471
459
446
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
53
53
53
Market Capitalization
3,103
3,037
3,104

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,771
2,843
3,088
Accounts Receivable, Net
55
58
57
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
68
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.87%
0.15%
13.8%
Free Cash Flow
7.64%
7.28%
5.31%
Net Income, GAAP
10.66%
7.63%
15.33%
Sales/Revenue/Turnover
8.44%
6.73%
9.65%
Total Cash Common Dividend
7.19%
2.3%
1.86%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
177
184
189
196
746
2025
196
199
207
216
818
2026
214
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.77
0.91
0.83
0.94
3.44
2025
0.94
0.97
1.04
1.03
3.98
2026
1.08
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.46
0.45
0.45
0.46
1.81
2025
0.46
0.46
0.46
0.47
1.84
2026
0.47
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Dimitar A. Karaivanov
Full Time Employees
3,001
Sector
Financial Services
Industry
Banks - Regional
Address
333 Butternut Drive Syracuse NY United States of America 13214-1883
IPO Date
Nov 26, 1985
Business
Community Financial System, Inc. operates as a diversified financial services holding company focused on four key business lines: banking services, employee benefit services, insurance services, and wealth management services. Its banking arm, Community Bank, N.A., ranks among the top 100 largest U.S. banks with over $16 billion in assets and approximately 200 branch locations across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. The company offers a comprehensive suite of banking products including personal, business, and commercial loans, deposit accounts, home equity loans, and lines of credit. Its Benefit Plans Administrative Services, Inc. subsidiary provides employee benefits administration, trust services, collective investment fund management, and actuarial consulting on a national scale. OneGroup NY, Inc., its insurance services subsidiary, ranks among the top 75 U.S. property/casualty insurance agencies. Wealth management and financial planning services are provided through its Nottingham Financial Group operating unit, which manages and advises on over $12 billion in assets. In 2024, the company changed its corporate name from Community Bank System, Inc. to Community Financial System, Inc. to better reflect its diversified financial services model. In 2025, it completed a significant strategic acquisition of seven branch locations from Santander Bank, N.A. in the Allentown, Pennsylvania area, including related loans, deposits, and wealth management relationships. This acquisition expanded Community Bank, N.A.’s retail footprint in the Greater Lehigh Valley to 12 branches, solidifying its position as a Top 5 market competitor in the region and accelerating its growth strategy beyond its traditional Northeastern U.S. markets. The transaction added approximately $553 million in deposits and $33 million in loans, and is expected to be slightly accretive to earnings. The company also maintains a strong dividend track record, with 33 consecutive years of dividend increases. Community Financial System, Inc. was founded in 1866 and is headquartered in DeWitt, New York. It targets retail and commercial banking customers, employers requiring benefits administration, insurance clients, and high-net-worth individuals seeking wealth management services primarily in the Northeastern United States, with national reach in employee benefit services. The company is publicly traded on the New York Stock Exchange under the ticker symbol CBU. This description encapsulates the company’s comprehensive product offerings, its recent strategic expansion efforts, and its established multi-segment financial services business model.

Company News

APIChatGPT
  • Community Financial System (CBU) Reports Next Week: Wall Street Expects Earnings Growth

  • Community Financial System Director Sells 12,190 Shares. What Does This Mean for Investors?

  • Community Financial System Announces Second Quarter 2026 Earnings Conference Call

  • All You Need to Know About Community Financial (CBU) Rating Upgrade to Buy

  • Community Financial System, Inc. Completes Acquisition of ClearPoint Federal Bank & Trust

  • Community Financial System, Inc. (CBU) Q1 2026 Earnings Call Transcript

  • Community Financial (CBU) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

  • Community Financial System (CBU) Q1 Earnings and Revenues Lag Estimates

  • Community Financial System, Inc. Reports First Quarter 2026 Results

  • Community Financial System, Inc. Announces Quarterly Dividend

  • SG Americas Securities LLC Has $9.70 Million Position in Community Financial System, Inc. $CBU

  • Alliance Wealth Advisors LLC Has $1.20 Million Stock Position in Community Financial System, Inc. $CBU

  • Reviewing Greenpro Capital (NASDAQ:GRNQ) & Community Financial System (NYSE:CBU)

  • Analyzing Community Financial System (NYSE:CBU) & Acadian Asset Management (NYSE:AAMI)

  • Community Financial System, Inc. Appoints Brenda M. Hall as New Independent Director

  • Head to Head Survey: Community Financial System (NYSE:CBU) and NewtekOne (NASDAQ:NEWT)

  • Community Financial System Q4 Earnings Call Highlights

  • Community Financial System: Still Offering Growth At A Reasonable Price

  • Community Financial System, Inc. (CBU) Q4 2025 Earnings Call Transcript

  • Community Financial (CBU) Reports Q4 Earnings: What Key Metrics Have to Say