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Friday 6 November 2026 Export CBU’s income statement to Excel — free account

Community Financial System, Inc.

CBU Financial Banks Regional

Community Financial System, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 7.44% from fiscal 2024.

Revenue
+6.18%
EPS
+11.5%
Free cash flow
+16.0%
Total debt
−21.9%

Quarter to September 2026, against a year earlier

64.94 0.79 −1.20%
Market cap
$3.4B
P/E
14.7×
Fwd P/E
13.6×
Dividend yield
2.93%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Community Financial System, Inc. (CBU) P/B ratio

Alert me on P/B ratio

As of 5 November 2026, Community Financial System, Inc. (CBU) trades at a P/B ratio of 1.7×. Over the past ten years it has ranged from 1.2× (January 2016) to 2.4× (November 2022); the current reading is higher than 42% of that period. That is above the Banks Regional industry median of 1.2× and above the Financial sector median of 1.3×.

P/B ratio, daily

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Annual newest first

Period P/B ratio Change
FY2025 1.5× (18.25%)
FY2024 1.8× 11.59%
FY2023 1.7× (23.49%)
FY2022 2.2× 12.97%
FY2021 1.9× 21.99%
FY2020 1.6× (20.70%)
FY2019 2.0× 13.65%
FY2018 1.7× 8.17%
FY2017 1.6× (29.32%)
FY2016 2.3× 58.59%

Quarterly newest first

Period P/B ratio Change
Sep 2026 1.5× (10.89%)
Jun 2026 1.7× 11.66%
Mar 2026 1.5× 1.11%
Dec 2025 1.5× (5.30%)
43 more quarters

Against its own ten years

Low 1.2× High 2.4×
Ten-year median 1.7×
Current reading's percentile 37

P/B ratio against peers

Company P/B ratio
SFNC Simmons First National Corporation compare 1.0×
TOWN Towne Bank compare 1.1×
FIBK First Interstate BancSystem, Inc. compare 1.1×
MCHB Mechanics Bancorp compare 1.2×
FFBC First Financial Bancorp. compare 1.2×
SBCF Seacoast Banking Corporation of Florida compare 1.2×
NIC Nicolet Bankshares Inc. compare 1.6×
CBU Community Financial System, Inc. 1.7×
PRK Park National Corporation compare 1.9×
Banks Regional industry median 1.2×
Financial sector median 1.3×
Market median 1.7×

What P/B ratio is

Price to Book Value tells an investor how much the market pays for a company’s shares relative to the accounting net worth that belongs to common shareholders.

Stock Price ÷ (Common Equity (Total) (latest quarter) ÷ Shares (Basic, Weighted) (latest quarter))

The full definition of P/B ratio →

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