Community Bank System Stock

$59.93

1.46% yesterday

NYSE, Sep 05, 10:00 pm CET

ISIN

US2036071064

Symbol

CBU

Reports

Quarter | Annual

Index

NYSE Composite

Sector

Banks

Industry

Banks

Overview Dividends Analysts Charts News Strategies

Community Bank System Stock price

$59.92

-2.50 4.01% 5Y

NYSE, Closing price Fri, Sep 05 2025

-0.90 1.48%

ISIN

US2036071064

Symbol

CBU

Reports

Quarter | Annual

Index

NYSE Composite

Sector

Banks

Industry

Banks

Key metrics

Basic

Market capitalization

$3.2b

Enterprise Value

$3.3b

Net debt

$180.6m

Cash

Shares outstanding

52.9m

Valuation (TTM | estimate)

P/E

16.3 | 14.7

P/S

4.1 | 3.8

EV/Sales

4.3 | 4.1

EV/FCF

16.8

P/B

1.7

Dividends

DPS

$1.82

Yield 1Y | 5Y

3.0% | 2.9%

Growth 1Y | 5Y

2.2% | 2.9%

Payout 1Y | 3Y

52.9% | 57.1%

Increased

25 Years

Financials (TTM | estimate)

Revenue

$780.7m | $824.2m

EBITDA

- | -

EBIT

- | $311.0m

Net Income

$193.8m | $216.0m

Free Cash Flow

$198.8m

Growth (TTM | estimate)

Revenue

-12.3% | 10.4%

EBITDA

- | -

EBIT

- | -

Net Income

-6.3% | 18.9%

Free Cash Flow

-4.9%

Financial Health

Equity Ratio

10.8%

Return on Equity

10.3%

ROCE

ROIC

Debt/Equity

0.1

EPS

$3.7

FCF per Share

$3.8

Short interest

4.5%

Employees

Rev per Employee

$260.0k

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Community Bank System Stock Analysis

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9 Analysts have issued a Community Bank System forecast:

5x Buy

56%

4x Hold

44%

More details on Analyst Estimates Including Price Targets

9 Analysts have issued a Community Bank System forecast:

Buy

56%

Hold

44%

Analyst Estimates with Stock Price Targets

Financial data from Community Bank System

Income Statement P&L | Balance Sheet | Cash Flow

Quarter TTM Annually

Jun '25		+/- %
Revenue	781 781	12% 12% 100%
- Interest Income	478 478	12% 12% 61%
- Non-Interest Income	303 303	13% 13% 39%
Interest Expense	197 197	23% 23% 25%
Non-Interest Expense	-504 -504	16% 16% -65%
Loan Loss Provisions	25 25	13% 13% 3%
Net Profit	194 194	6% 6% 25%

In millions USD.

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Community Bank System Stock News

Positive

Seeking Alpha

●

2 days ago

4 Upcoming Dividend Increases

Dividend growth stocks offer reliable, growing income and long-term capital appreciation, making them a compelling investment for consistent returns. My strategy focuses on companies with proven annual dividend increases, strong cash flow, and management committed to shareholder returns. Broadridge Financial stands out for its impressive historical performance, significantly outperforming bench...

Neutral

Seeking Alpha

●

about 2 months ago

Community Financial System, Inc. (CBU) Q2 2025 Earnings Call Transcript

Community Financial System, Inc. (NYSE:CBU ) Q2 2025 Earnings Conference Call July 22, 2025 11:00 AM ET Company Participants Dimitar Karaivanov - President, CEO & Director Marya Wlos - Executive VP & CFO Conference Call Participants Sharanjit Cheema - D.A. Davidson & Co., Research Division Matthew Breese - Stephens Inc., Research Division David Konrad - Keefe, Bruyette, & Woods, Inc., Research ...

Neutral

The Motley Fool

●

about 2 months ago

Community Financial's EPS Jumps in Q2

More Community Bank System News

Company Profile

Community Bank System, Inc. is a financial holding company, which engages in the provision of retail, business, and municipal banking services. It operates through the following three segments: Banking, Employee Benefit Services, and All Other. The Banking segment offers array of lending and depository-related products and services to individuals, businesses and municipal enterprises. This segment also provides treasury management solutions and payment processing services. The Employee Benefit Services segment provides employee benefit trust services, collective investment fund, fund administration, transfer agency, retirement plan and VEBA/HRA and health savings account plan administration services, actuarial services, and healthcare consulting services. The All Other segment comprises of wealth management services, including trust services provided by the personal trust unit, investment products and services provided by CISI and The Carta Group, and asset advisory services provided by Nottingham and insurance services, which includes include the offerings of personal and commercial property insurance and other risk management products and services provided by OneGroup. The company was founded on April 15, 1983 and is headquartered in DeWitt, NY.

Head office	United States
CEO	Dimitar Karaivanov
Employees	2,824
Founded	1983
Website	communityfinancialsystem.com

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