NYSE:CBU Community Financial System (CBU) Stock Price, News & Analysis $60.75 -0.06 (-0.10%) Closing price 10/21/2026 03:59 PM EasternExtended Trading$60.74 -0.01 (-0.01%) As of 04:10 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOptions ChainOwnershipSEC FilingsShort Interest 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$60.37▼$60.9450-Day Range$58.58▼$65.8052-Week Range$53.46▼$71.11Volume145,184 shsAverage Volume262,546 shsMarket Capitalization$3.20 billionP/E Ratio14.10Dividend Yield3.23%Price Target$69.25Consensus RatingModerate Buy Company Overview Community Financial System, Inc. (NYSE: CBU) is a diversified financial services company headquartered in DeWitt, New York. Formerly known as Community Bank System, Inc., the company traces its banking history to 1866 and operates through Community Bank, N.A., along with other financial services businesses. Its banking operations provide consumer and commercial deposit accounts, residential and commercial lending, agricultural financing, municipal banking, cash management, and other financial products. Through its wealth management, employee benefit services, retirement plan administration, and insurance businesses, Community Financial System also serves individuals, employers, institutions, and public-sector organizations. The company primarily serves communities in Upstate New York and portions of Pennsylvania, Vermont, and Massachusetts. Its operations are supported by a network of local banking offices and specialized financial services teams, with an emphasis on relationship-based service and long-term customer partnerships.AI Generated. May Contain Errors. Read More Community Financial System Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks94th Percentile Overall ScoreCBU MarketRank™: 4.70289758312 of 5 starsCommunity Financial System scored higher than 94% of companies evaluated by MarketBeat, and ranked 102nd out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.2 / 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 PotentialCommunity Financial System has a consensus price target of $69.25, representing about 14.0% upside from its current price of $60.75.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 Growth12.36% Earnings GrowthEarnings for Community Financial System are expected to grow by 12.36% in the coming year, from $4.61 to $5.18 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Community Financial System is 14.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 36.44.Price to Earnings Ratio vs. SectorThe P/E ratio of Community Financial System is 14.10, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.15.Price to Book Value per Share RatioCommunity 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.Read more about Community Financial System's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted3.94% 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 5.53.Change versus previous monthShort interest in Community Financial System has recently decreased by 0.28%, indicating that investor sentiment is improving. Dividend4.2 / 5Dividend StrengthStrong Dividend YieldCommunity Financial System pays a meaningful dividend of 3.27%, 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 45.48%. 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 37.84% 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 Media1.9 / 5News Sentiment0.10 News SentimentCommunity Financial System has a news sentiment score of 0.10. 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 lower news sentiment than the 0.60 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Community Financial System this week, compared to 1 article on an average week. Company Ownership3.6 / 5Insider TradingAcquiring Shares Cluster Insider Buying2 insiders have purchased shares of Community Financial System in the last three months. Multiple insiders buying is a strong bullish signal.Net Insider BuyingOver 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 SellingIn 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 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 Financial System Keeps Quarterly Dividend at $0.49 per Share, Payable Jan. 11, 2027, to Holders of Record Dec. 15October 21 at 10:42 PM | marketscreener.comMCommunity Financial System declares $0.49 dividendOctober 21 at 5:41 PM | msn.comMicroscopic footage reveals immune cells destroying cancer cellsTime-lapse footage from a recent clinical study shows Natural Killer cells attacking and eliminating cancer cells - and early human data revealed up to a 63.7 percent reduction in cancer burden. One NASDAQ-listed biotech's TriKE platform is designed to keep these immune cells locked onto tumors longer. Its next-generation version, showing potential for 10 to 40 times greater potency, has just cleared an important FDA milestone.October 22 at 1:00 AM | Market Tactic (Ad)Community Financial System (CBU) Stock Looks Cheap Against Its Return On EquityOctober 9, 2026 | finance.yahoo.comCommunity Financial System (CBU), Why Is It Getting Attention Now?October 9, 2026 | finance.yahoo.comCommunity Financial System Announces Third Quarter 2026 Earnings Conference CallSeptember 17, 2026 | finance.yahoo.comCommunity Financial System's BPAS Acquires ESOP One to Expand ServicesSeptember 8, 2026 | marketscreener.comMBPAS Acquires ESOP One, Expanding Employee Ownership and ESOP CapabilitiesSeptember 8, 2026 | prnewswire.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 on January 1st, 2026. Since then, CBU stock has increased by 5.9% and is now trading at $60.75. How were Community Financial System's earnings last quarter? Community Financial System, Inc. (NYSE:CBU) released its quarterly earnings results on Tuesday, July, 28th. The bank reported $1.16 EPS for the quarter, missing analysts' consensus estimates of $1.18 by $0.02. The firm's revenue was up 12.0% 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 Moody National Bank Trust Division (0.04%), Ausbil Investment Management Ltd (0.04%), Alliance Wealth Advisors LLC (0.04%) and State of Alaska Department of Revenue (0.02%). Insiders that own company stock include Mark J Bolus, Sally A Steele, Eric Stickels, Dimitar Karaivanov, John F Whipple, Jeffrey M Levy, Kerrie D Macpherson, John A Vaccaro 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 Costco Wholesale (COST), Alphabet (GOOG), LPL Financial (LPLA), Netflix (NFLX), Boeing (BA), Bristol Myers Squibb (BMY) and JPMorgan Chase & Co. (JPM). Company Calendar Last Earnings7/28/2026Record date for 10/13 Dividend9/15/2026Ex-Dividend for 10/13 Dividend9/15/2026Dividend Payable10/13/2026Today10/22/2026Next Earnings (Estimated)10/27/2026Fiscal 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. Yellow Zone (1d) 1-Year History Oct 25 Jan 26 Apr 26 Jul 26 Oct 26 CBU's financial health is in the Yellow zone, according to TradeSmith. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNYSE:CBU CIK723188 Webwww.communityfinancialsystem.com Phone(800) 724-2262Fax315-445-0904Employees3,001Year FoundedN/APrice Target and Rating Average Price Target for Community Financial System$69.25 High Price Target$75.00 Low Price Target$65.00 Potential Upside/Downside+14.0%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage6 Analysts Profitability EPS (Trailing Twelve Months)$4.31 Trailing P/E Ratio14.10 Forward P/E Ratio13.18 P/E GrowthN/ANet Income$210.46 million Net Margins21.79% Pretax Margin28.71% Return on Equity11.47% Return on Assets1.32% Debt Debt-to-Equity Ratio0.29 Current Ratio0.77 Quick Ratio0.77 Sales & Book Value Annual Sales$860.02 million Price / Sales3.72 Cash Flow$4.90 per share Price / Cash Flow12.39 Book Value$38.09 per share Price / Book1.59Miscellaneous Outstanding Shares52,616,000Free Float52,011,000Market Cap$3.20 billion OptionableOptionable Beta0.76 Social Links The 7 Best High-Yield Dividend Stocks for 2027Looking for higher dividend income in 2027? 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