Community Financial System (CBU) Stock Price, News & Analysis

Company Overview

Community Financial System, Inc. (NYSE: CBU) is a diversified financial services company headquartered in DeWitt, New York. Its principal banking subsidiary, Community Bank, N.A., provides a broad range of financial products and services to individuals, families, farmers, small businesses and commercial customers.

The company’s banking operations include deposit accounts, residential and commercial lending, agricultural financing, consumer loans, cash management and other business banking services. Through additional business lines, Community Financial System also provides wealth management, retirement and employee benefit plan administration, investment services, and insurance solutions.

Community Bank, N.A. serves customers through a branch network and digital banking channels across upstate New York and portions of Pennsylvania, Vermont and Massachusetts. The company traces its history to the 19th century and was formerly known as Community Bank System, Inc. before adopting the Community Financial System name to reflect its broader range of services. Dimitar A. Dimitrov serves as president and chief executive officer.

Key Stats

• Today's Range: $60.28 to $61.26
• 50-Day Range: $59.58 to $66.80
• 52-Week Range: $53.46 to $71.11
• Volume: 284,896 shs
• Average Volume: 290,412 shs
• Market Capitalization: $3.19 billion
• P/E Ratio: 14.08
• Dividend Yield: 3.23%
• Price Target: $71.50
• Consensus Rating: Moderate Buy

Community Financial System Stock Analysis - MarketRank™

Community Financial System scored higher than 96% of companies evaluated by MarketBeat, and ranked 87th out of 843 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Community 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 Potential

Community Financial System has a consensus price target of $71.50, representing about 17.8% upside from its current price of $60.70.

Amount of Analyst Coverage

Community Financial System has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.39%

Earnings Growth

Earnings for Community Financial System are expected to grow by 12.39% in the coming year, from $4.60 to $5.17 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Community Financial System is 14.08, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.89.

Price to Earnings Ratio vs. Sector

The P/E ratio of Community Financial System is 14.08, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.49.

Price to Book Value per Share Ratio

Community Financial System has a P/B Ratio of 1.59. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.96% of the float of Community Financial System has been sold short.

Short Interest Ratio / Days to Cover

Community Financial System has a short interest ratio ("days to cover") of 9.18.

Change versus previous month

Short interest in Community Financial System has recently increased by 6.03%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Community Financial System pays a meaningful dividend of 3.27%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Community Financial System has been increasing its dividend for 33 years.

Dividend Coverage

The dividend payout ratio of Community Financial System is 45.48%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Community Financial System will have a dividend payout ratio of 37.91% next year. This indicates that Community Financial System will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: N/A

News Sentiment

Community Financial System has a news sentiment score of 1.73. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.64 average news sentiment score of Finance companies.

Company Ownership

• Score: 3.6 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

2 insiders have purchased shares of Community Financial System in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $50,275.00 in company stock, which represents 0.0016% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Community Financial System insiders have bought more of their company's stock than they have sold. Specifically, they have bought $50,275.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

1.15% of the stock of Community Financial System is held by insiders.

Percentage Held by Institutions

73.79% 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.

Company Calendar

• Record date for 7/10 Dividend: 6/15/2026
• Ex-Dividend for 7/10 Dividend: 6/15/2026
• Dividend Payable: 7/10/2026
• Last Earnings: 7/28/2026
• Record date for 10/13 Dividend: 9/15/2026
• Ex-Dividend for 10/13 Dividend: 9/15/2026
• Today: 10/02/2026
• Dividend Payable: 10/13/2026
• Next Earnings (Estimated): 10/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NYSE:CBU
• CIK: 723188
• Web: www.communityfinancialsystem.com
• Phone: (800) 724-2262
• Fax: 315-445-0904
• Employees: 3,001
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Community Financial System: $71.50
• High Price Target: $75.00
• Low Price Target: $68.00
• Potential Upside/Downside: +17.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.31
• Trailing P/E Ratio: 14.08
• Forward P/E Ratio: 13.20
• P/E Growth: N/A
• Net Income: $210.46 million
• Net Margins: 21.79%
• Pretax Margin: 28.71%
• Return on Equity: 11.47%
• Return on Assets: 1.32%

Debt

• Debt-to-Equity Ratio: 0.29
• Current Ratio: 0.77
• Quick Ratio: 0.77

Sales & Book Value

• Annual Sales: $1.01 billion
• Price / Sales: 3.16
• Cash Flow: $4.97 per share
• Price / Cash Flow: 12.21
• Book Value: $38.09 per share
• Price / Book: 1.59

Miscellaneous

• Outstanding Shares: 52,620,000
• Free Float: 52,011,000
• Market Cap: $3.19 billion
• Optionable: Optionable
• Beta: 0.76