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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

Insider Decisions last twelve months

Bought, $m 0.08
Sold, $m 1.81
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 2 1 — —
Sell 1 — 3 — — — 2 — — — — —
Insider Ownership 1.81%

Capital & Financial Ratios $m

Size
Market Cap 3,390.00
Revenue ttm 1,062.41
Net income ttm 228.06
Free cash flow ttm 248.62
Net debt Q (3.66)
Valuation
P/E 14.66
Forward P/E 13.60
Price / sales 3.23
Forward P/S Powerpack
Price / FCF 13.81
Price / book 1.66
Financial health
Current ratio Q 0.77
Debt / equity Q 0.21
Interest coverage Q —
Growth
Revenue growth Q +6.18% (above 0%: growing)
Operating income growth Q +10.29% (above 0%: growing)
EPS, this year +8.71%
EPS, next year A +11.96%
Revenue, next year A −11.11% (below 0%: weak)
EPS, past 5 yrs +5.21%
EPS, next 5 yrs A +10.49%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 6.64%
10-year low 10-year high
P/S against its own 10 years 16.32%
10-year low 10-year high
P/B against its own 10 years 37.37%
10-year low 10-year high

Dividends raised every year since 2017

Yield
2.93%
Annual rate
1.90
Payout ratio
42.9%
Growth, 2017–25
+4.38%/yr
  1. 1.32 ’17
  2. 1.44 ’18 +9
  3. 1.58 ’19 +10
  4. 1.66 ’20 +5
  5. 1.70 ’21 +2
  6. 1.74 ’22 +2
  7. 1.78 ’23 +2
  8. 1.82 ’24 +2
  9. 1.86 ’25 +2
  10. 1.92 ’26e +3
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 191 197 302 425
Receivables — — — —
Inventory — — — —
Other — — — —
9,883 10,605 11,221 11,851
2023 2024 2025 Q'26
Payables 12,928 13,442 14,387 14,865
ST’ Debt — — — —
Other — — — —
13,397 13,886 14,838 15,336

Compound Annual Growth %

10y 5y 3y
Sales 10.19% 10.35% 12.89%
Cash Flow 9.70% 10.96% 12.04%
Earnings 8.73% 5.01% 3.77%
Book Value 5.81% (0.95%) 8.94%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.19 Actual 1.21

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.13 1.07 Miss by 0.06
Q1 FY26 1.10 1.09 Miss by 0.01
Q2 FY26 1.19 1.16 Miss by 0.03
Q3 FY26 1.19 1.21 Beat by 0.02
Q4 FY26 1.20 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.08 1.16 1.16 — —
’25 0.93 0.97 1.04 1.03 3.97
’24 0.76 0.91 0.83 0.94 3.44
’23 0.11 0.89 0.82 0.63 2.53
’22 0.86 0.73 0.90 0.97 3.46
’21 0.97 0.88 0.83 0.80 3.48
’20 0.76 0.66 0.79 0.86 3.08
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 259 268 272 — —
’25 244 247 256 263 1,011
’24 223 231 240 246 941
’23 139 198 205 214 756
’22 163 170 181 188 702
’21 156 155 160 163 634
’20 156 150 157 155 618
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 72 51 — — —
’25 63 54 101 85 302
’24 80 40 57 66 242
’23 77 41 65 45 228
’22 52 47 44 72 215
’21 62 26 65 50 203
’20 27 69 30 54 179
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 60 43 — — —
’25 53 37 84 62 235
’24 79 34 53 61 227
’23 75 41 59 42 217
’22 50 44 41 69 204
’21 61 21 60 47 189
’20 24 67 26 49 165
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 441 532 587 616 618 634 702 756 941 1,011 1,062 +9.7% 898 966 1,045 +1.1%
Gross margin, % 97.44 97.41 96.99 95.69 96.62 97.95 96.71 86.23 79.33 80.93 82.75 (16.5) pt
EBT 155 160 213 209 206 241 240 168 237 275 308 +6.6%
EBT margin, % 35.07 30.08 36.30 33.96 33.36 38.09 34.21 22.25 25.16 27.25 29.00 (7.8) pt
Net income 104 151 169 169 165 190 188 132 182 210 228 +8.2%
Per share, $
Per share, $ Revenue 10.00 10.89 11.47 11.91 11.66 11.74 13.03 14.11 17.83 19.18 20.10 +7.5%
Earnings 2.34 3.07 3.28 3.26 3.10 3.51 3.48 2.54 3.44 3.98 4.43 +6.1%
Cash flow 3.08 3.88 4.33 3.91 3.39 3.75 3.98 4.26 4.59 5.73 0.00 +7.1%
Capex (0.28) (0.22) (0.25) (0.11) (0.27) (0.24) (0.19) (0.21) (0.28) (1.26) 0.00 +18.1%
Free cash flow 2.80 3.66 4.08 3.80 3.12 3.51 3.79 4.05 4.31 4.47 0.00 +5.3%
Book value 27.17 33.48 33.50 35.86 39.72 38.92 28.79 31.68 33.42 38.07 38.42 +3.8%
Shares, m 44 49 51 52 53 54 54 54 53 53 53 +2.0%
Valuation, ×
Valuation, × P/E 26.55 17.84 17.77 21.76 20.10 21.22 17.89 21.39 17.88 14.43 14.66 19.7
P/S 6.19 4.95 5.08 5.95 5.34 6.34 4.78 3.71 3.46 2.99 3.23 4.9
P/B 2.28 1.61 1.74 1.98 1.57 1.91 2.16 1.65 1.85 1.51 1.66 1.8
EV/Sales 6.02 4.77 4.89 5.78 2.82 3.39 5.60 4.09 4.03 3.11 — 4.5
EV/FCF 21.55 14.18 13.76 18.10 10.56 11.36 19.29 14.22 16.70 13.38 — 15.3
Cash, $m
Cash, $m Operating cash flow 136 190 221 203 179 203 215 228 242 302 308 +9.3%
Capex (12) (11) (13) (6) (14) (13) (10) (11) (15) (67) (60) +20.5%
Free cash flow 123 179 209 197 165 189 204 217 227 235 249 +7.4%
Balance, $m
Balance, $m Working capital (2,257) (2,519) (2,319) (2,383) (2,698) (4,212) (4,482) (3,514) (3,281) (3,617) (3,486) +5.4%
Net debt (72) (96) (112) (110) (1,559) (1,870) 581 270 540 157 (4) n/m
Shareholders’ equity 1,198 1,635 1,714 1,855 2,104 2,101 1,552 1,698 1,763 2,006 2,031 +5.9%
Returns, %
Returns, % ROA 1.20 1.55 1.57 1.53 1.30 1.28 1.20 0.84 1.14 1.24 1.35 0.0 pt
ROIC 8.67 7.55 8.28 7.81 24.17 65.57 7.18 5.34 6.42 7.96 9.50 (0.7) pt
ROE 8.83 10.60 10.03 9.45 8.29 9.00 10.27 8.09 10.50 11.12 0.00 +2.3 pt
People
People Employees 2,499 2,874 2,933 3,038 3,047 2,927 3,026 2,849 2,918 3,001 — +2.1%
Revenue/emp, $m 0.18 0.19 0.20 0.20 0.20 0.22 0.23 0.27 0.32 0.34 — +7.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Community Financial System, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NIC Nicolet Bankshares Inc. $3.6B 18.7× 17.7× +61.55% (above 0%: growing) +8.19% (above 0%: growing) +40.19% (above 0%: growing) 75.01% 0.00% Compare
FIBK First Interstate BancSystem, Inc. $3.5B 11.8× 13.4× −5.93% (below 0%: shrinking) −4.35% (below 0%: shrinking) +22.30% (above 0%: growing) 79.01% 0.00% Compare
FFBC First Financial Bancorp. $3.4B 11.3× 10.5× +13.34% (above 0%: growing) +2.75% (above 0%: growing) −101.00% (below 0%: shrinking) 74.64% 0.00% Compare
CBU Community Financial System, Inc. $3.4B 14.7× 13.6× +6.18% (above 0%: growing) +11.54% (above 0%: growing) +15.96% (above 0%: growing) 83.56% 0.00%
TOWN Towne Bank $3.4B 10.2× 8.6× +85.30% (above 0%: growing) +303.85% (above 0%: growing) +9.18% (above 0%: growing) 85.47% 0.00% Compare
MCHB Mechanics Bancorp $3.4B 11.9× 16.4× +32.34% (above 0%: growing) +18.88% (above 0%: growing) −31.39% (below 0%: shrinking) 76.78% 0.00% Compare
SFNC Simmons First National Corporation $3.4B 12.9× 12.8× +180.46% (above 0%: growing) n/m +89.30% (above 0%: growing) 70.51% 0.00% Compare
SBCF Seacoast Banking Corporation of Florida $3.3B 18.8× 16.4× +29.89% (above 0%: growing) +48.07% (above 0%: growing) −19.23% (below 0%: shrinking) 73.05% 0.00% Compare
PRK Park National Corporation $3.3B 15.7× 14.6× +24.17% (above 0%: growing) +7.57% (above 0%: growing) +4.77% (above 0%: growing) 84.27% 0.00% Compare
Median of peers $3.4B 12.4× 14.0× +31.12% +8.19% +6.98% 75.90% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 27 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.79m 2.80m 107.41
2024 2.70m 3.25m 111.69
2023 2.52m 1.78m 91.08
2022 349.62k 2.08m 106.19
2021 3.15m 3.27m 122.27

Ownership

Directors and executive officers, together 1.15%
BlackRock, Inc. 14.46%
The Vanguard Group, Inc. 12.55%
State Street Corporation State Street Financial Center One Congress Street, Suite 7.29%
Neuberger Berman Group LLC Neuberger Berman Investment Advisors LLC 6.01%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Community Financial System, Inc. (CBU) Latest News

31 Oct

Impact 3 · · StockStory

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CBU metrics, ten years each

stockrow.com/CBU · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com