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USFinancial Services

Community Bank System Inc (CBU)

US · Financial Services · Banks - Regional

$62.35-0.67%
Last close · 2026-09-17

Latest quarter · ended 2026-06-30

Revenue
$268.4M
Revenue YoY
+8.5%
Net profit
$61.3M
Profit YoY
+19.5%
EPS
$1.16
EPS estimate
$1.19
Net margin
22.9%

EPS came in at 1.16 against a street estimate of 1.19 — a miss of 2.5%.

Key statistics

Market cap
$3.29B
P/E
14.5
Forward P/E
15.8
P/B
1.59
Book value
$39.41
EPS (TTM)
$4.31
Dividend yield
3.00%
52-week high
$71.11
52-week low
$52.24
50-day MA
$65.26
200-day MA
$62.59
Beta
0.79

Analyst view

Analysts rate Community Bank System Inc a hold (1 buy, 5 hold, 0 sell out of 6) with an average price target of $70.17.

From the latest earnings call · 2026-07-28

CONFIDENT Record Q2 with net interest income up 11.5% YoY, operating earnings $1.16/share. Insurance weakness offset by strong banking, wealth (+46.5% pretax), and benefits (+16.2%). Guidance raised for full-year NII and loan growth. Q2 2026 All regions performing well with no meaningful growth rate differences. Central NY chip opportunity early; unlikely material balance sheet impact within 12 months. Housing inventory down 50% regionally supports mortgage momentum. Analysts pressed on competitive pricing (Moss), insurance contingency durability (Navas/Grant), and Central NY chip opportunity timing (Breese). Management stressed discipline despite pricing pressure, modest insurance recovery path, and chip upside as early-stage speculation unlikely to move needle within 12 months. 2026-07-28…

Full summary in the app.

Shareholding

Insiders
0.76%
Institutions
79.53%

Largest institutional holders

FundStake
BlackRock Inc14.28%
Neuberger Berman Group LLC7.06%
Vanguard Portfolio Management, LLC6.70%
State Street Corp5.99%
FMR Inc5.75%
Vanguard Capital Management, LLC4.51%
Morgan Stanley - Brokerage Accounts3.54%
Dimensional Fund Advisors, Inc.3.50%

Recent filings & reports

DocumentDate
Reg FD disclosure · Q3 2026
DOCUMENT SUMMARY: COMMUNITY FINANCIAL SYSTEM, INC. (NYSE: CBU) HEADLINE NUMBERS • Filing Type: Form 8-K Current Report filed August 21, 2026 • Compa
2026-08-21
Quarterly report · Q2 2026
COMMUNITY FINANCIAL SYSTEM, INC. — Q2 2026 SUMMARY HEADLINE NUMBERS • Total assets: $17,763,770 thousand (June 30, 2026) vs. $17,303,296 thousand (D
2026-08-07
Results announced · Q3 2026
COMMUNITY FINANCIAL SYSTEM, INC. – Q2 2026 RESULTS SUMMARY --- HEADLINE NUMBERS • Net Income: $61.3 million for Q2 2026 ($1.16 per share), up 19.6%
2026-07-28
Company announcement · Q2 2026
COMMUNITY FINANCIAL SYSTEM, INC. — FORM 8-K SUMMARY HEADLINE NUMBERS • Acquisition closed: Community Bank, N.A. (wholly-owned subsidiary of Communit
2026-06-01
Shareholder vote results · Q2 2026
FORM 8-K SUMMARY: COMMUNITY FINANCIAL SYSTEM, INC. HEADLINE NUMBERS • Annual Shareholders Meeting held virtually on May 20, 2026 • Company ticker: C
2026-05-22
Quarterly report · Q1 2026
COMMUNITY FINANCIAL SYSTEM, INC. – Q1 2026 SUMMARY HEADLINE NUMBERS • Net Income (Q1 2026): $57,218 thousand ($57.2 million), up 15.2% from $49,614
2026-05-08
Proxy statement · Q2 2026
COMMUNITY FINANCIAL SYSTEM, INC. - PROXY STATEMENT SUMMARY WHAT SHAREHOLDERS ARE VOTING ON • Proposal 1: Election of 12 Directors – Vote FOR each no
2026-03-27
Annual report FY2025
COMMUNITY FINANCIAL SYSTEM, INC. - 2025 FORM 10-K SUMMARY HEADLINE NUMBERS • Company incorporated April 15, 1983 in Delaware; IRS ID 16-1213679 • He
2026-02-27

Readable in the app.

Corporate actions

ActionDetailDate
Dividend$0.49 / share
ex-date Sep 15, 2026 · pay Oct 13, 2026
2026-09-15
Dividend$0.47 / share
ex-date Jun 15, 2026 · pay Jul 10, 2026
2026-06-15
Dividend$0.47 / share
ex-date Mar 16, 2026 · pay Apr 10, 2026
2026-03-16
Dividend$0.47 / share
ex-date Dec 12, 2025 · pay Jan 12, 2026
2025-12-12
Dividend$0.47 / share
ex-date Sep 12, 2025 · pay Oct 10, 2025
2025-09-12

Deals & corporate news

AnnouncementDate
Subsidiary completed acquisition of ClearPoint Federal Bank Trust
Community Financial System, Inc. announced on June 1, 2026 that its subsidiary Community Bank completed its acquisition of ClearPoint Federal Bank Trust, a federally chartered savings associ
2026-06-01
Subsidiary enters merger agreement to acquire ClearPoint Federal Bank Trust
On January 15, 2026, Community Financial System, Inc. announced that its subsidiary, Community Bank, N.A., has agreed to acquire ClearPoint Federal Bank Trust, a federally chartered savings
2026-01-15
Annual stock repurchase program authorized for 2.6 million shares
Community Financial System, Inc. announced two executive changes effective January 1, 2026. Jeffrey M. Levy retired as Senior Vice President and Chief Banking Officer of Community Bank, N.A.
2026-01-06
Completed acquisition of seven branches and wealth management relationships
Community Financial System, Inc. completed its acquisition of seven branches in the Allentown, Pennsylvania area from Santander Bank on November 7, 2025. The deal, originally announced in Ju
2025-11-10

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Data updated 2026-09-18.