Community Financial System, Inc. CBU
- Market cap
- $3.2B
- P/E
- 14.3×
Follow CBU
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 34.27 | 48.89 | 50.72 | 56.58 | 47.01 | 61.24 | 58.28 | 35.38 | 41.50 | 49.44 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 62.39 | 63.04 | 67.07 | 71.61 | 72.63 | 82.53 | 78.00 | 64.86 | 73.39 | 68.11 |
High Price
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| 2,499 | 2,874 | 2,933 | 3,038 | 3,047 | 2,927 | 3,026 | 2,849 | 2,918 | 3,001 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 441 | 532 | 587 | 616 | 618 | 634 | 702 | 756 | 941 | 1,011 |
Revenue
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| 97.44% | 97.41% | 96.99% | 95.69% | 96.62% | 97.95% | 96.71% | 86.23% | 79.33% | 80.93% |
Gross Margin
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| 155 | 160 | 213 | 209 | 206 | 241 | 240 | 168 | 237 | 275 |
EBT
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| 35.07% | 30.08% | 36.30% | 33.96% | 33.36% | 38.09% | 34.21% | 22.25% | 25.16% | 27.25% |
EBT Margin
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| 104 | 151 | 169 | 169 | 165 | 190 | 188 | 132 | 182 | 210 |
Net Income
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| 16 | 27 | 25 | 26 | 19 | 8 | 12 | 34 | 39 | 44 |
Depreciation
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| 10.00 | 10.89 | 11.47 | 11.91 | 11.66 | 11.74 | 13.03 | 14.11 | 17.83 | 19.18 |
Revenue/Sh
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| 2.34 | 3.07 | 3.28 | 3.26 | 3.10 | 3.51 | 3.48 | 2.54 | 3.44 | 3.98 |
Earnings/Sh
|
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| 3.08 | 3.88 | 4.33 | 3.91 | 3.39 | 3.75 | 3.98 | 4.26 | 4.59 | 5.73 |
Cash Flow/Sh
|
|||
| (0.28) | (0.22) | (0.25) | (0.11) | (0.27) | (0.24) | (0.19) | (0.21) | (0.28) | (1.26) |
Capex/Sh
|
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| 2.80 | 3.66 | 4.08 | 3.80 | 3.12 | 3.51 | 3.79 | 4.05 | 4.31 | 4.47 |
Free CF/Sh
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| 27.17 | 33.48 | 33.50 | 35.86 | 39.72 | 38.92 | 28.79 | 31.68 | 33.42 | 38.07 |
Book Value/Sh
|
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| 44 | 49 | 51 | 52 | 53 | 54 | 54 | 54 | 53 | 53 |
Shares
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| 26.55 | 17.84 | 17.77 | 21.76 | 20.10 | 21.22 | 17.89 | 20.71 | 17.88 | 14.43 |
PE Ratio
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| 6.19 | 4.95 | 5.08 | 5.95 | 5.34 | 6.34 | 4.78 | 3.73 | 3.46 | 2.99 |
PS Ratio
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| 2.28 | 1.61 | 1.74 | 1.98 | 1.57 | 1.91 | 2.16 | 1.66 | 1.85 | 1.51 |
PB Ratio
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| 6.02 | 4.77 | 4.89 | 5.78 | 2.82 | 3.39 | 5.60 | 4.09 | 4.03 | 3.11 |
EV/Sales
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| 21.55 | 14.18 | 13.76 | 18.10 | 10.56 | 11.36 | 19.29 | 14.22 | 16.70 | 13.38 |
EV/FCF
|
|||
| 136 | 190 | 221 | 203 | 179 | 203 | 215 | 228 | 242 | 302 |
Op' Cash Flow
|
|||
| (12) | (11) | (13) | (6) | (14) | (13) | (10) | (11) | (15) | (67) |
Capex
|
|||
| 123 | 179 | 209 | 197 | 165 | 189 | 204 | 217 | 227 | 235 |
FCF
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| (2,257) | (2,519) | (2,319) | (2,383) | (2,698) | (4,212) | (4,482) | (3,514) | (3,281) | (3,617) |
Working Cap'
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| 102 | 125 | 100 | 95 | 87 | 5 | 791 | 461 | 737 | 459 |
Total Debt
|
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| (72) | (96) | (112) | (110) | (1,559) | (1,870) | 581 | 270 | 540 | 157 |
Net Debt
|
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| 1,198 | 1,635 | 1,714 | 1,855 | 2,104 | 2,101 | 1,552 | 1,698 | 1,763 | 2,006 |
Sh' Equity
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| 1.20% | 1.55% | 1.57% | 1.53% | 1.30% | 1.28% | 1.20% | 0.84% | 1.14% | 1.24% |
ROA
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| 8.67% | 7.55% | 8.28% | 7.81% | 24.17% | 65.57% | 7.18% | 5.34% | 6.42% | 7.96% |
ROIC
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| 8.83% | 10.60% | 10.03% | 9.45% | 8.29% | 9.00% | 10.27% | 8.09% | 10.50% | 11.12% |
ROE
|
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Community Financial System, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| SBCF Seacoast Banking Corporation of Florida | $3.2B | 20.8× | Compare |
| PRK Park National Corporation | $3.3B | 16.2× | Compare |
| BKU BankUnited, Inc. | $3.1B | 11.9× | Compare |
| FFBC First Financial Bancorp. | $3.3B | 11.3× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FHB First Hawaiian, Inc. | $3.1B | 10.9× | Compare |
| TOWN Towne Bank | $3.4B | 10.2× | Compare |
| CLBK Columbia Financial | $3.0B | 45.3× | Compare |
| SFNC Simmons First National Corporation | $3.4B | 0.0× | Compare |
Community Financial System, Inc. (CBU) key facts
- Community Financial System, Inc. (CBU) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
- Community Financial System, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 7.44% from fiscal 2024.
- As of September 25, 2026, CBU traded at $61.57, a market capitalization of $3.2 billion.
- Community Financial System, Inc. pays an annual dividend of $1.77 per share, a yield of 4.12%, with a payout ratio of 61.5%.
- Return on equity was 11.1% and debt-to-equity 0.29.
Community Financial System, Inc. (CBU) Latest News
8 Sep
BPAS, a subsidiary of Community Financial System, Inc. (CBU), acquires ESOP One to expand employee ownership and ESOP service capabilities. Acquisition bolsters BPAS ESOP offerings and supports moderate revenue growth for CBU.
24 Aug
Community Financial System, Inc. launches PayRewards business rewards platform in the U.S. PayRewards launch introduces new product that may moderately boost CBU operations and market position.
10 Aug
New Hampshire Shores Trust expands Community Financial System, Inc.'s advisor-friendly trust services capabilities. Expansion of trust services capabilities moderately strengthens CBU's product offerings and competitive positioning.
28 Jul
Community Financial System Inc posted record earnings in Q2 2026. Record earnings demonstrate strong financial results that can significantly lift investor sentiment and valuation.
Community Financial System, Inc. (CBU) held Q2 earnings call and presented financial results, operational metrics, and management outlook. Quarterly earnings data and guidance typically move near-term stock price and sentiment without altering long-term strategy.
Community Financial System, Inc. (CBU) reported Q2 earnings with details on key financial metrics. Q2 earnings release supplies metrics that moderately shape near-term investor views and valuation.
Community Financial System, Inc. (CBU) posted Q2 CY2026 sales above analyst estimates. Q2 CY2026 sales beat signals moderately stronger revenue performance than expected.
Community Financial System, Inc. (CBU) reported its second quarter 2026 financial results. Quarterly earnings release delivers updated financial metrics that can shift near-term investor views but rarely redefine long-term trajectory.
27 Jul
Community Bank (CBU) Q2 earnings expectations center on revenue, EPS, loan growth and net interest margin forecasts ahead of the report. Q2 earnings preview can drive short-term investor sentiment and trading activity for CBU.
1 Jun
Community Financial System, Inc. completed acquisition of ClearPoint Federal Bank & Trust. Completed acquisition represents major strategic expansion altering CBU operations and market reach.
30 Apr
Community Financial System Inc (CBU) reported strong revenue growth in Q1 2026 earnings call highlights. Strong revenue growth in Q1 2026 demonstrates significant positive momentum for CBU's financial performance and market outlook.
Community Financial System, Inc. (CBU) Q1 earnings call highlights strong deposit growth, stable net interest income, controlled expenses, and positive guidance amid economic uncertainty. Q1 earnings highlights disclose key financial metrics and forward guidance that significantly shape investor sentiment and stock performance.
29 Apr
Community Bank System, Inc. (CBU) released Q1 2026 earnings call summary highlighting financial results, strategic updates, and outlook. Q1 earnings call summaries reveal financial metrics and guidance that significantly sway stock performance and investor expectations.
Community Financial System, Inc. (CBU) Q1 earnings key metrics compared to Wall Street estimates. Q1 earnings metrics versus estimates significantly influence CBU's stock price, investor sentiment, and future performance trajectory.
Community Financial System, Inc. (CBU) reported first quarter 2026 results. Quarterly earnings reports like Q1 2026 results significantly influence CBU's financial performance and investor sentiment.
Community Bank (NYSE:CBU), part of Community Financial System, Inc., reported Q1 CY2026 sales below analyst estimates. Sales below analyst estimates in Q1 CY2026 earnings moderately impacts financial performance and investor sentiment.
Community Financial System, Inc. (CBU) reported Q1 earnings per share of $0.83, missing the $1.02 consensus estimate, while revenues reached $168.8 million, below the $174.1 million forecast. Earnings and revenue misses highlight financial underperformance, likely pressuring stock price and investor sentiment in the near term.
28 Apr
Community Bank (CBU) reports earnings tomorrow. Expectations center on analyst consensus for EPS, revenue growth, net interest margins, deposit trends, and key financial metrics amid economic pressures. Pre-earnings preview shapes short-term market sentiment and stock volatility around financial results.
11 Feb
Community Financial System, Inc. has appointed Brenda M. Hall as an Independent Director, effective immediately. Hall brings extensive experience in finance and governance, having served on various boards and committees. Her appointment is expected to enhance the company's strategic direction and oversight. The addition of an experienced director may positively influence governance and strategic decisions, but the overall impact on the company's trajectory is expected to be limited.
3 Feb
Community Financial System, Inc. (CBU) held its Q4 earnings call, during which analysts posed five notable questions that highlighted key areas of interest regarding the company's performance and future strategies. The discussion focused on financial metrics, market positioning, and potential growth opportunities, providing insights into how CBU plans to navigate upcoming challenges and capitalize on market trends. Analyst questions indicate a moderate influence on CBU's financial performance and strategic direction.
28 Jan
Community Financial System, Inc. (CBU) reported steady results for Q4, driven by diversification and growth in deposits. The company highlighted its strategic initiatives that contributed to a stable financial performance, despite challenges in the broader economic environment. Key metrics showed an increase in customer deposits, reflecting strong community engagement and trust in the institution. Overall, CBU's focus on diversifying its offerings and enhancing customer relationships has positioned it well for future growth. Steady deposit growth and diversification strategies are expected to moderately influence CBU's financial performance and competitive positioning.
27 Jan
Community Financial System, Inc. (CBU) reported strong growth in its Q4 2025 earnings call, highlighting significant increases across key financial metrics. The company showcased robust performance in various sectors, indicating a positive trajectory for future operations. Management emphasized strategic initiatives that contributed to this growth, reinforcing confidence in the company's market position and outlook. Strong growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.
Community Financial System, Inc. (CBU) reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in revenue and net income, driven by increased loan demand and improved operational efficiency. Management discussed future plans, including investments in technology and customer service enhancements, aimed at sustaining competitive advantage. The earnings call also addressed market challenges and regulatory considerations that could impact performance moving forward. Significant strategic initiatives and market dynamics discussed could alter the company's trajectory and investor sentiment.
Community Bank (NYSE:CBU) reported Q4 CY2025 earnings that exceeded analysts' expectations, showcasing strong financial performance and growth. The bank's strategic initiatives and operational efficiencies contributed to improved profitability, leading to positive market reactions and increased investor confidence. Exceeding earnings expectations indicates significant operational success and potential for future growth.
Community Financial System, Inc. (CBU) reported its Q4 earnings, highlighting key financial metrics and performance indicators. The results showed a notable increase in revenue and net income compared to the previous quarter, driven by strong loan growth and improved asset quality. Management provided insights into future strategies and market conditions, indicating a positive outlook for the upcoming fiscal year. Investors reacted favorably to the earnings report, reflecting confidence in the company's operational efficiency and growth potential. The significant increase in revenue and net income, along with positive future strategies, suggests a likely impact on the company's performance and investor sentiment.
Community Financial System, Inc. (CBU) reported its fourth quarter and full year 2025 financial results, highlighting significant growth in revenue and net income compared to the previous year. The company attributed its success to strategic initiatives and improved operational efficiency. Additionally, CBU announced plans for future investments aimed at enhancing customer experience and expanding its market presence. The results reflect a positive outlook for the company as it navigates the evolving financial landscape. Significant growth in revenue and net income indicates a strong performance that could influence investor sentiment and market positioning.
Community Financial System, Inc. (CBU) reported its Q4 earnings, highlighting key financial metrics that reflect the company's performance. The results indicate trends in revenue, expenses, and profitability, providing insights into the company's operational efficiency and market position. Analysts are evaluating these metrics to gauge future growth potential and investor sentiment. The reported earnings and metrics are expected to moderately influence financial performance and market positioning.
Community Financial System, Inc. (CBU) reported its Q4 earnings, which fell short of analysts' expectations. The company's performance was impacted by various factors, leading to a decline in revenue and net income compared to the previous quarter. This miss has raised concerns among investors regarding the company's future financial stability and growth prospects. Earnings miss may affect investor sentiment and financial performance, but overall impact is expected to be limited.
25 Jan
Community Financial System, Inc. (CBU) is set to report its earnings tomorrow, with analysts closely monitoring the results for insights into the bank's financial health and performance. Expectations are high as investors look for indicators of growth and stability in the current economic climate. The earnings report will provide crucial data on revenue, expenses, and overall profitability, which could influence market sentiment and stock performance. Earnings reports typically have a moderately noticeable influence on financial performance and market sentiment.
21 Jan
Community Financial System, Inc. (CBU) has announced a quarterly dividend of $0.25 per share, payable on December 15, 2023, to shareholders of record as of December 1, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders and indicates a stable financial position. The dividend announcement suggests a stable financial performance, which may positively influence investor sentiment but does not fundamentally alter the company's trajectory.