CBU
Community Financial System, Inc.
Price Chart
Latest Quote
$62.34
+1.10 (+1.80%)
Current Price
| Previous Close | $61.24 |
| Open | $61.67 |
| Day High | $62.41 |
| Day Low | $61.37 |
| Volume | 352,291 |
Stock Information
| Shares Outstanding | 52.55M |
| Total Debt | $653.97M |
| Cash Equivalents | $562.65M |
| Revenue | $814.75M |
| Net Income | $218.93M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $3.28B |
| P/E Ratio | 15.13 |
| EPS (TTM) | $4.12 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $3.41B |
| Sales | $814.75M |
| Income | $218.93M |
| Book/sh | $38.52 |
| Cash/sh | $10.71 |
| Employees | 3K |
Financial Ratios
| EPS Growth TTM | 15.30% |
Returns & Margins
| ROA | 1.26% |
| ROE | 11.30% |
| Operating Margin | 37.98% |
| Profit Margin | 26.76% |
Ownership
| Insider Ownership | 0.78% |
| Institutional Ownership | 79.34% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.58 |
| PEG | 2.62 |
| P/S | 4.02 |
| P/B | 1.62 |
Analyst Data
| Recommendation | none |
| Target Price | $68.50 |
Technical Indicators
| SMA20 | $63.34 |
| SMA50 | $62.73 |
| SMA200 | $59.41 |
| RSI | 46.80 |
| ATR | 1.7299 |
| Shares Float | 52.05M |
| Short Float | 5.31% |
| Short Ratio | 8.54 |
| Volatility | 0.80 |
| Rel Volume | 2.47 |
Performance History
| Week | -3.92% |
| Month | +0.60% |
| Quarter | +11.72% |
| 6 Months | +5.84% |
| YTD | +8.96% |
| Year | +19.22% |
| 3 Years | +33.87% |
| 5 Years | -6.86% |
| 10 Years | +106.42% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $62.34 | 746,000 |
| 2026-06-17 | $61.24 | 438,000 |
| 2026-06-16 | $63.10 | 707,700 |
| 2026-06-15 | $64.50 | 348,100 |
| 2026-06-12 | $65.71 | 304,300 |
| 2026-06-11 | $64.89 | 194,900 |
| 2026-06-10 | $64.46 | 270,100 |
| 2026-06-09 | $64.31 | 247,000 |
| 2026-06-08 | $63.45 | 200,200 |
| 2026-06-05 | $63.14 | 224,500 |
| 2026-06-04 | $63.00 | 220,200 |
| 2026-06-03 | $61.08 | 237,100 |
| 2026-06-02 | $62.72 | 234,000 |
| 2026-06-01 | $62.25 | 244,400 |
| 2026-05-29 | $63.19 | 306,100 |
| 2026-05-28 | $63.84 | 213,800 |
| 2026-05-27 | $63.59 | 219,500 |
| 2026-05-26 | $64.31 | 211,200 |
| 2026-05-22 | $62.96 | 231,500 |
| 2026-05-21 | $62.71 | 247,300 |
| 2026-05-20 | $63.28 | 206,200 |
| 2026-05-19 | $61.97 | 164,100 |
About Community Financial System, Inc.
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.
đ° Latest News
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $818,292,000 | $746,303,000 | $651,877,000 | $679,355,000 |
| Operating Revenue | $818,292,000 | $746,303,000 | $651,877,000 | $679,355,000 |
| Expenses | ||||
| Interest Expense | $192,725,000 | $194,411,000 | $104,103,000 | $23,099,000 |
| Selling And Marketing Expense | $15,135,000 | $16,059,000 | $15,731,000 | $13,095,000 |
| General And Administrative Expense | $313,915,000 | $300,779,000 | $281,803,000 | $257,339,000 |
| Professional Expense And Contract Services Expense | $17,898,000 | $15,323,000 | $15,921,000 | $14,018,000 |
| Other Non Interest Expense | $107,108,000 | $96,152,000 | $91,863,000 | $77,468,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $210,455,000 | $182,481,000 | $131,924,000 | $188,081,000 |
| Net Interest Income | $506,550,000 | $449,117,000 | $437,285,000 | $420,630,000 |
| Interest Income | $699,275,000 | $643,528,000 | $541,388,000 | $443,729,000 |
| Normalized Income | $214,361,570 | $182,939,698 | $139,814,176 | $191,777,543 |
| Net Income From Continuing And Discontinued Operation | $210,455,000 | $182,481,000 | $131,924,000 | $188,081,000 |
| Net Income Common Stockholders | $209,582,000 | $181,741,000 | $131,477,000 | $187,548,000 |
| Net Income | $210,455,000 | $182,481,000 | $131,924,000 | $188,081,000 |
| Net Income Including Noncontrolling Interests | $210,455,000 | $182,481,000 | $131,924,000 | $188,081,000 |
| Net Income Continuous Operations | $210,455,000 | $182,481,000 | $131,924,000 | $188,081,000 |
| Pretax Income | $275,394,000 | $236,705,000 | $168,231,000 | $240,314,000 |
| Special Income Charges | $-5,112,000 | $-595,000 | $-10,064,000 | $-4,721,000 |
| Depreciation Amortization Depletion Income Statement | $13,846,000 | $14,259,000 | $14,511,000 | $15,214,000 |
| Depreciation And Amortization In Income Statement | $13,846,000 | $14,259,000 | $14,511,000 | $15,214,000 |
| Amortization Of Intangibles Income Statement | $13,846,000 | $14,259,000 | $14,511,000 | $15,214,000 |
| Per Share | ||||
| Diluted EPS | $3.97 | $3.44 | $2.53 | $3.46 |
| Basic EPS | $3.98 | $3.44 | $2.54 | $3.48 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,205,430 | $-136,302 | $-2,173,824 | $-1,024,457 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-5,112,000 | $-595,000 | $-10,064,000 | $-4,721,000 |
| Total Unusual Items Excluding Goodwill | $-5,112,000 | $-595,000 | $-10,064,000 | $-4,721,000 |
| Reconciled Depreciation | $30,202,000 | $28,657,000 | $28,351,000 | $30,426,000 |
| Diluted Average Shares | $53,011,335 | $53,046,802 | $53,954,941 | $54,358,671 |
| Basic Average Shares | $52,878,141 | $53,046,802 | $53,742,520 | $54,046,264 |
| Diluted NI Availto Com Stockholders | $209,582,000 | $181,741,000 | $131,477,000 | $187,548,000 |
| Otherunder Preferred Stock Dividend | $873,000 | $740,000 | $447,000 | $533,000 |
| Tax Provision | $64,939,000 | $54,224,000 | $36,307,000 | $52,233,000 |
| Other Special Charges | $-50,000 | $138,000 | $5,800,000 | - |
| Restructuring And Mergern Acquisition | $5,162,000 | $457,000 | $4,506,000 | $4,721,000 |
| Gain On Sale Of Security | $375,000 | $744,000 | $-52,376,000 | $-44,000 |
| Amortization | $13,846,000 | $14,259,000 | $14,511,000 | $15,214,000 |
| Selling General And Administration | $329,050,000 | $316,838,000 | $297,534,000 | $270,434,000 |
| Salaries And Wages | $313,915,000 | $300,779,000 | $281,803,000 | $257,339,000 |
| Occupancy And Equipment | $48,249,000 | $43,658,000 | $42,550,000 | $42,413,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,063,318,000 | $861,364,000 | $799,950,000 | $648,868,000 |
| Total Assets | $17,303,296,000 | $16,386,044,000 | $15,555,753,000 | $15,835,651,000 |
| Goodwill And Other Intangible Assets | $942,716,000 | $901,471,000 | $897,987,000 | $902,837,000 |
| Other Intangible Assets | $54,741,000 | $48,246,000 | $52,591,000 | $60,996,000 |
| Receivables | $57,734,000 | $54,340,000 | $54,534,000 | $52,613,000 |
| Accounts Receivable | $57,734,000 | $54,340,000 | $54,534,000 | $52,613,000 |
| Cash And Cash Equivalents | $286,995,000 | $191,894,000 | $190,962,000 | $209,896,000 |
| Cash Cash Equivalents And Federal Funds Sold | $301,755,000 | $197,004,000 | $190,962,000 | $209,896,000 |
| Debt | ||||
| Net Debt | $171,775,000 | $545,418,000 | $269,641,000 | $581,227,000 |
| Total Debt | $458,770,000 | $737,312,000 | $460,603,000 | $791,123,000 |
| Long Term Debt And Capital Lease Obligation | $458,770,000 | $619,312,000 | $407,603,000 | $22,723,000 |
| Long Term Debt | $458,770,000 | $619,312,000 | $407,603,000 | $22,723,000 |
| Current Debt And Capital Lease Obligation | $0 | $118,000,000 | $53,000,000 | $768,400,000 |
| Current Debt | $0 | $118,000,000 | $53,000,000 | $768,400,000 |
| Other Current Borrowings | $0 | $118,000,000 | $53,000,000 | $768,400,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $15,297,262,000 | $14,623,209,000 | $13,857,816,000 | $14,283,946,000 |
| Payables And Accrued Expenses | - | - | - | $133,863,000 |
| Payables | - | - | - | $133,863,000 |
| Accounts Payable | - | - | - | $133,863,000 |
| Equity | ||||
| Common Stock Equity | $2,006,034,000 | $1,762,835,000 | $1,697,937,000 | $1,551,705,000 |
| Total Equity Gross Minority Interest | $2,006,034,000 | $1,762,835,000 | $1,697,937,000 | $1,551,705,000 |
| Stockholders Equity | $2,006,034,000 | $1,762,835,000 | $1,697,937,000 | $1,551,705,000 |
| Other Equity Interest | $5,379,000 | $5,895,000 | $6,891,000 | $7,756,000 |
| Gains Losses Not Affecting Retained Earnings | $-418,990,000 | $-548,085,000 | $-556,892,000 | $-686,439,000 |
| Other Equity Adjustments | $-418,990,000 | $-548,085,000 | $-556,892,000 | $-686,439,000 |
| Retained Earnings | $1,387,636,000 | $1,275,331,000 | $1,188,869,000 | $1,152,452,000 |
| Long Term Equity Investment | $37,065,000 | $0 | - | - |
| Other | ||||
| Treasury Shares Number | $2,225,209 | $2,028,372 | $1,045,232 | $452,952 |
| Ordinary Shares Number | $52,682,217 | $52,667,836 | $53,327,060 | $53,737,249 |
| Share Issued | $54,907,426 | $54,696,208 | $54,372,292 | $54,190,201 |
| Tangible Book Value | $1,063,318,000 | $861,364,000 | $799,950,000 | $648,868,000 |
| Invested Capital | $2,464,804,000 | $2,500,147,000 | $2,158,540,000 | $2,342,828,000 |
| Total Capitalization | $2,464,804,000 | $2,382,147,000 | $2,105,540,000 | $1,574,428,000 |
| Treasury Stock | $110,945,000 | $100,539,000 | $55,592,000 | $26,485,000 |
| Additional Paid In Capital | $1,088,047,000 | $1,075,537,000 | $1,060,289,000 | $1,050,231,000 |
| Capital Stock | $54,907,000 | $54,696,000 | $54,372,000 | $54,190,000 |
| Common Stock | $54,907,000 | $54,696,000 | $54,372,000 | $54,190,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $4,057,783,000 | $4,139,536,000 | $4,099,218,000 | $5,236,247,000 |
| Held To Maturity Securities | $1,454,166,000 | $1,345,155,000 | $1,172,174,000 | $1,079,695,000 |
| Available For Sale Securities | $10,689,000 | $8,667,000 | $7,052,000 | $4,701,000 |
| Goodwill | $887,975,000 | $853,225,000 | $845,396,000 | $841,841,000 |
| Net PPE | $246,505,000 | $183,759,000 | $173,418,000 | $160,778,000 |
| Accumulated Depreciation | $-153,673,000 | $-145,544,000 | $-135,085,000 | $-137,427,000 |
| Gross PPE | $400,178,000 | $329,303,000 | $308,503,000 | $298,205,000 |
| Leases | $56,224,000 | $28,333,000 | - | - |
| Construction In Progress | $24,273,000 | $5,479,000 | $7,995,000 | $2,377,000 |
| Other Properties | $140,019,000 | $125,648,000 | $111,408,000 | $103,029,000 |
| Buildings And Improvements | $144,495,000 | $135,254,000 | $155,146,000 | $158,312,000 |
| Land And Improvements | $35,167,000 | $34,589,000 | $33,954,000 | $34,487,000 |
| Other Short Term Investments | $2,555,863,000 | $2,785,714,000 | $2,919,992,000 | $4,151,851,000 |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $233,331,000 | $221,573,000 | $209,835,000 | $201,678,000 |
| Operating Activities | ||||
| Operating Cash Flow | $301,859,000 | $242,276,000 | $228,420,000 | $214,600,000 |
| Cash Flow From Continuing Operating Activities | $301,859,000 | $242,276,000 | $228,420,000 | $214,600,000 |
| Operating Gains Losses | $-570,000 | $-1,896,000 | $50,597,000 | $-655,000 |
| Investing Activities | ||||
| Capital Expenditure | $-68,528,000 | $-20,703,000 | $-18,585,000 | $-12,922,000 |
| Investing Cash Flow | $-182,103,000 | $-835,617,000 | $335,776,000 | $-2,138,985,000 |
| Cash Flow From Continuing Investing Activities | $-182,103,000 | $-835,617,000 | $335,776,000 | $-2,138,985,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-11,168,000 | $-45,836,000 | $-30,016,000 | $-16,614,000 |
| Issuance Of Capital Stock | $5,277,000 | $7,091,000 | $1,015,000 | $1,184,000 |
| Financing Cash Flow | $-15,005,000 | $599,383,000 | $-583,130,000 | $259,217,000 |
| Cash Flow From Continuing Financing Activities | $-15,005,000 | $599,383,000 | $-583,130,000 | $259,217,000 |
| Net Other Financing Charges | $-4,551,000 | $-4,566,000 | $-2,411,000 | $-1,284,000 |
| Cash Dividends Paid | $-97,560,000 | $-95,777,000 | $-95,102,000 | $-93,387,000 |
| Common Stock Dividend Paid | $-97,560,000 | $-95,777,000 | $-95,102,000 | $-93,387,000 |
| Net Common Stock Issuance | $-5,891,000 | $-38,745,000 | $-29,001,000 | $-15,430,000 |
| Common Stock Issuance | $5,277,000 | $7,091,000 | $1,015,000 | $1,184,000 |
| Other | ||||
| Repayment Of Debt | $-160,257,000 | $-47,073,000 | $-14,971,000 | $-95,000 |
| Issuance Of Debt | $0 | $250,000,000 | $400,000,000 | $0 |
| Interest Paid Supplemental Data | $193,054,000 | $192,871,000 | $100,040,000 | $23,402,000 |
| Income Tax Paid Supplemental Data | $40,499,000 | $43,728,000 | $41,661,000 | $57,131,000 |
| End Cash Position | $301,755,000 | $197,004,000 | $190,962,000 | $209,896,000 |
| Beginning Cash Position | $197,004,000 | $190,962,000 | $209,896,000 | $1,875,064,000 |
| Changes In Cash | $104,751,000 | $6,042,000 | $-18,934,000 | $-1,665,168,000 |
| Common Stock Payments | $-11,168,000 | $-45,836,000 | $-30,016,000 | $-16,614,000 |
| Net Issuance Payments Of Debt | $-278,257,000 | $267,927,000 | $-330,371,000 | $768,305,000 |
| Net Short Term Debt Issuance | $-118,000,000 | $65,000,000 | $-715,400,000 | $768,400,000 |
| Net Long Term Debt Issuance | $-160,257,000 | $202,927,000 | $385,029,000 | $-95,000 |
| Long Term Debt Payments | $-160,257,000 | $-47,073,000 | $-14,971,000 | $-95,000 |
| Long Term Debt Issuance | $0 | $250,000,000 | $400,000,000 | $0 |
| Net Investment Purchase And Sale | $-52,410,000 | $-39,456,000 | $1,278,685,000 | $-1,123,839,000 |
| Sale Of Investment | $96,347,000 | $126,727,000 | $1,346,765,000 | $266,939,000 |
| Purchase Of Investment | $-148,757,000 | $-166,183,000 | $-68,080,000 | $-1,390,778,000 |
| Net Business Purchase And Sale | $469,692,000 | $-15,620,000 | $-8,517,000 | $-915,000 |
| Sale Of Business | $469,692,000 | - | - | - |
| Net PPE Purchase And Sale | $-66,554,000 | $-14,960,000 | $-11,112,000 | $-10,490,000 |
| Sale Of PPE | $1,974,000 | $5,743,000 | $7,473,000 | $2,432,000 |
| Purchase Of PPE | $-68,528,000 | $-20,703,000 | $-18,585,000 | $-12,922,000 |
| Change In Working Capital | $7,573,000 | $-5,878,000 | $1,106,000 | $-6,231,000 |
| Other Non Cash Items | $-3,387,000 | $-2,496,000 | $-2,412,000 | $-2,147,000 |
| Stock Based Compensation | $10,859,000 | $8,374,000 | $9,269,000 | $7,738,000 |
| Unrealized Gain Loss On Investment Securities | $-375,000 | $-1,231,000 | $47,000 | $44,000 |
| Amortization Of Securities | $14,083,000 | $10,818,000 | $5,838,000 | $-18,738,000 |
| Deferred Tax | $11,669,000 | $674,000 | $-7,503,000 | $1,309,000 |
| Deferred Income Tax | $11,669,000 | $674,000 | $-7,503,000 | $1,309,000 |
| Depreciation Amortization Depletion | $30,202,000 | $28,657,000 | $28,351,000 | $30,426,000 |
| Depreciation And Amortization | $30,202,000 | $28,657,000 | $28,351,000 | $30,426,000 |
| Amortization Cash Flow | $14,625,000 | $14,981,000 | $15,360,000 | $16,015,000 |
| Amortization Of Intangibles | $14,625,000 | $14,981,000 | $15,360,000 | $16,015,000 |
| Depreciation | $15,577,000 | $13,676,000 | $12,991,000 | $14,411,000 |
| Earnings Losses From Equity Investments | $285,000 | $0 | $0 | - |
| Gain Loss On Investment Securities | $0 | $487,000 | $52,329,000 | $0 |
| Net Income From Continuing Operations | $210,455,000 | $182,481,000 | $131,924,000 | $188,081,000 |
| Proceeds From Stock Option Exercised | - | $193,000 | $217,000 | $236,000 |
| Purchase Of Business | - | $-15,620,000 | $-8,517,000 | $-915,000 |
Fetched: 2026-06-14