NYSE:CBU Community Financial System (CBU) Stock Price, News & Analysis $63.58 +1.17 (+1.87%) As of 01:23 PM Eastern This is a fair market value price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About Community Financial System Stock (NYSE:CBU) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get CBU alerts:Sign Up Key Stats Today's Range$62.42▼$64.2650-Day Range$55.58▼$63.9552-Week Range$51.12▼$67.50Volume61,655 shsAverage Volume241,125 shsMarket Capitalization$3.34 billionP/E Ratio15.39Dividend Yield2.96%Price Target$69.75Consensus RatingModerate Buy Company Overview Community Financial System (NYSE: CBU) is the bank holding company for Community Bank, National Association, a full-service commercial bank headquartered in DeWitt, New York. Through its principal subsidiary, the company offers a range of banking and financial services designed to meet the needs of both consumer and business clients. Its organizational structure centers on community-based banking operations supported by centralized technology, risk management and administrative functions. The company’s product offerings include deposit accounts, residential and commercial mortgage loans, commercial and consumer lending, treasury and cash management services, and electronic banking. In addition to traditional deposit and credit products, the bank provides specialized services such as wealth management, trust administration and insurance brokerage, enabling it to serve clients across various stages of personal and business financial planning. Community Financial System operates a network of branch offices throughout upstate New York and northeastern Pennsylvania. Its footprint spans urban centers and rural communities, allowing it to tailor local banking solutions while leveraging the resources of a larger regional institution. The bank also supports digital channels, including online and mobile platforms, to provide customers with access to banking services outside of traditional branch hours. Founded in 1866 and headquartered near Syracuse, New York, Community Financial System has grown through a combination of organic expansion and selective acquisitions. Under the leadership of President and Chief Executive Officer Frank P. Caccamise, the company focuses on community engagement, relationship banking and prudent growth strategies to serve the financial needs of individuals, families and businesses across its service area.AI Generated. May Contain Errors. Read More Community Financial System Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks64th Percentile Overall ScoreCBU MarketRank™: Community Financial System scored higher than 64% of companies evaluated by MarketBeat, and ranked 478th out of 883 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.8 / 5Analyst RatingModerate Buy Consensus RatingCommunity Financial System has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 strong buy rating, 1 buy rating, 4 hold ratings, and no sell ratings.Upside/DownsideThe consensus price target for Community Financial System is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageCommunity Financial System has only been the subject of 4 research reports in the past 90 days.Read more about Community Financial System's stock forecast and price target. Earnings and Valuation2.5 / 5Proj. Earnings Growth12.45% Earnings GrowthEarnings for Community Financial System are expected to grow by 12.45% in the coming year, from $4.74 to $5.33 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Community Financial System is 15.43, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.50.Price to Earnings Ratio vs. SectorThe P/E ratio of Community Financial System is 15.43, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.84.Price to Book Value per Share RatioCommunity Financial System has a P/B Ratio of 1.65. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Community Financial System's valuation and earnings. Short Interest1.0 / 5Short Interest LevelBearish Percentage of Shares Shorted3.99% of the float of Community Financial System has been sold short.Short Interest Ratio / Days to CoverCommunity Financial System has a short interest ratio ("days to cover") of 10.6, which indicates bearish sentiment.Change versus previous monthShort interest in Community Financial System has recently increased by 4.04%, indicating that investor sentiment is decreasing. Dividend4.2 / 5Dividend StrengthStrong Dividend YieldCommunity Financial System pays a meaningful dividend of 3.01%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCommunity Financial System has been increasing its dividend for 33 years.Dividend CoverageThe dividend payout ratio of Community Financial System is 45.63%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Community Financial System will have a dividend payout ratio of 35.27% next year. This indicates that Community Financial System will be able to sustain or increase its dividend.Read more about Community Financial System's dividend. News and Social Media0.6 / 5News SentimentN/A Search Interest2 people have searched for CBU on MarketBeat in the last 30 days. Company Ownership0.8 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Community Financial System insiders have not sold or bought any company stock.Percentage Held by Insiders1.15% of the stock of Community Financial System is held by insiders.Percentage Held by Institutions73.79% of the stock of Community Financial System is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Community Financial System's insider trading history. Receive CBU Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Community Financial System and its competitors with MarketBeat's FREE daily newsletter. 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CBU Stock News HeadlinesCommunity Bank System Releases New Investor Presentation OnlineMay 13, 2026 | tipranks.comAssessing Community Financial System (CBU) Valuation After Recent Share Price MomentumMay 1, 2026 | finance.yahoo.comFrom the man who predicted 2008 crash…Porter Stansberry, founder of one of the largest financial research firms in the world, says he's breaking the biggest story of his 26-year career - an economic shift not seen since 1776. From the government taking stakes in Intel, Lithium Americas, and MP Materials, to sweeping political changes reshaping the economy, Stansberry argues a rare 'New 1776 Moment' is already underway. One Nobel Prize winner calls it a dividing line for all of society. His presentation covers the stocks to buy, the stocks to sell, and three money moves to position yourself on the right side of this shift.May 20 at 1:00 AM | Porter & Company (Ad)Community Bank (NYSE:CBU) reports sales below analyst estimates in Q1 CY2026 earningsMay 1, 2026 | msn.comCommunity Financial System Inc (CBU) Q1 2026 Earnings Call Highlights: Strong Revenue Growth ...April 30, 2026 | finance.yahoo.comCommunity Financial: Q1 Earnings SnapshotApril 29, 2026 | chron.comCommunity Financial signals Q2 net interest margin expansion of 3-5 bps while keeping 2026 expenses at $535M-$550MApril 29, 2026 | msn.comCommunity Financial System, Inc. (CBU) Q1 2026 Earnings Call TranscriptApril 29, 2026 | seekingalpha.comSee More Headlines CBU Stock Analysis - Frequently Asked Questions How have CBU shares performed this year? Community Financial System's stock was trading at $57.37 at the start of the year. Since then, CBU stock has increased by 11.4% and is now trading at $63.9250. How were Community Financial System's earnings last quarter? Community Financial System, Inc. (NYSE:CBU) issued its quarterly earnings results on Wednesday, April, 29th. The bank reported $1.15 earnings per share for the quarter, topping the consensus estimate of $1.10 by $0.05. Community Financial System's revenue for the quarter was up 8.7% compared to the same quarter last year. Read the conference call transcript. Who are Community Financial System's major shareholders? Community Financial System's top institutional investors include Dimensional Fund Advisors LP (3.46%), Bank of America Corp DE (1.14%), Bank of New York Mellon Corp (1.01%) and Deprince Race & Zollo Inc. (1.01%). Insiders that own company stock include Mark J Bolus, Brian R Ace, Sally A Steele, Eric Stickels, Dimitar Karaivanov, John F Whipple, Jeffrey M Levy, Kerrie D Macpherson and Maureen A Gillan-Myer. View institutional ownership trends. How do I buy shares of Community Financial System? Shares of CBU stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Community Financial System own? Based on aggregate information from My MarketBeat watchlists, some other companies that Community Financial System investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), Meta Platforms (META), NVIDIA (NVDA), Visa (V) and Netflix (NFLX). Company Calendar Record date for 4/10 Dividend3/16/2026Ex-Dividend for 4/10 Dividend3/16/2026Dividend Payable4/10/2026Last Earnings4/29/2026Today5/20/2026AGM 20265/20/2026Record date for 7/10 Dividend6/15/2026Ex-Dividend for 7/10 Dividend6/15/2026Dividend Payable7/10/2026Next Earnings (Estimated)7/28/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (2m+) 1-Year History May 25 Aug 25 Nov 25 Feb 26 May 26 CBU's financial health is in the Green zone, according to TradeSmith. CBU has been in this zone for over 2 months. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MISC SVCS Sub-IndustryRegional Banks Current SymbolNYSE:CBU CIK723188 Webwww.cbna.com Phone(315) 445-2282Fax315-445-0904Employees3,001Year FoundedN/APrice Target and Rating Average Price Target for Community Financial System$69.75 High Price Target$75.00 Low Price Target$66.00 Potential Upside/Downside+10.0%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage6 Analysts Profitability EPS (Trailing Twelve Months)$4.12 Trailing P/E Ratio15.43 Forward P/E Ratio13.38 P/E GrowthN/ANet Income$210.46 million Net Margins21.26% Pretax Margin27.86% Return on Equity11.24% Return on Assets1.28% Debt Debt-to-Equity Ratio0.22 Current Ratio0.77 Quick Ratio0.77 Sales & Book Value Annual Sales$1.01 billion Price / Sales3.30 Cash Flow$4.99 per share Price / Cash Flow12.72 Book Value$38.51 per share Price / Book1.65Miscellaneous Outstanding Shares52,560,000Free Float51,951,000Market Cap$3.33 billion OptionableOptionable Beta0.78 Social Links Don't wait for the SpaceX IPOThe space race is growing fast, and you don’t have to wait for SpaceX to go public to invest. 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