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COMMUNITY FINANCIAL SYSTEM I

CBUNYSE
πŸ† #1553 by market capEarnings Jan 25US Equity
$62.77β–² $0.40 (+0.64%)
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24hβ–² 0.6%
7dβ–² 0.6%
14dβ–² 5.2%
30dβ–² 4.7%
ytdβ–² 9.3%
1yβ–² 12.1%
🏦Market Cap
$3.30B
Small Cap
πŸ“ˆRevenue Growth (YoY)
7.5%
Slowing
πŸ“ŠGross Margin
80.8%
High
πŸ’΅FCF Margin
21.8%
Strong
βš–οΈP/S Ratio
3.1x
Fair
Otter Score
76
Strong

Trading Snapshot

Day Range
$62.03 – $63.16
52-Week Range
$53.46 – $71.11
Volume (shares)
366,172
Avg Volume (shares)
β€”
Shares Outstanding
52.6M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$1.01B
Last Q Revenue
$272M
P/E Ratio
14.2
P/S Ratio
3.1x
EPS (TTM)
$4.43
Dividend Yield
3.03%
Dilution (1yr)
βˆ’0.2%
CBU logo

COMMUNITY FINANCIAL SYSTEM I

CBU
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.0Bβ–² +7.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
78.8%β–² +2.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$275Mβ–² +16.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$233Mβ–² +5.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
53.0Mβ–Ό βˆ’0.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$445Mβ–² +$362M YoY
StockOtter Β· stockotter.space

About COMMUNITY FINANCIAL SYSTEM I

Community Bank System, Inc. (CBU) serves as the parent company for Community Bank, N.A., providing a broad array of banking and financial services to a diverse clientele including individual consumers, businesses, and local government entities. Its operations are structured into three primary divisions: Banking, Employee Benefit Services, and a residual "All Other" category. The company offers a comprehensive suite of deposit products, such as checking, savings, and money market accounts, alongside certificates of deposit. Its lending portfolio is equally varied, extending to consumer mortgages, personal installment loans, and lines of credit for individuals, as well as home equity products. For commercial clients, Community Bank System provides general purpose commercial and industrial loans, mortgages on commercial properties, and historically, Paycheck Protection Program loans. Additionally, it facilitates specialized installment loans for vehicles like automobiles, boats, and other recreational vehicles through partnerships with selected dealerships. Beyond traditional banking, the institution delivers broker-dealer and investment advisory services, along with extensive cash management, treasury, and asset management solutions. It also operates a full-service insurance agency, offering personal and commercial lines of insurance and various risk management products. The Employee Benefit Services segment provides a robust offering, including administration for contribution plans, employee benefit trusts, and collective investment funds. This segment also handles retirement plan administration, fund administration, transfer agency functions, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting. Furthermore, Community Bank System provides comprehensive wealth management services, covering retirement, higher education, and personal financial planning. It offers fiduciary and trust services, risk management advice, and access to diverse investment alternatives such as stocks, bonds, mutual funds, and advisory products, alongside master recordkeeping services. As of January 24, 2022, the company operated approximately 215 customer facilities geographically spread across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and maintains its corporate headquarters in DeWitt, New York.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Buy
10 analysts
Strong Buy2
Buy2
Hold6
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Seeking AlphaΒ·1d ago

Community Financial System, Inc. (CBU) Q3 2026 Earnings Call Transcript

Community Financial System, Inc. ( CBU ) Q3 2026 Earnings Call October 27, 2026 11:00 AM EDT Company Participants Dimitar Karaivanov - President, CEO & Director Marya Wlos - Executive VP, Treasurer & CFO Conference Call

MarketBeatΒ·1d ago

Community Financial System Q3 Earnings Call Highlights

Community Financial System NYSE: CBU reported record operating results for the third quarter of 2026, with operating diluted earnings per share rising 16.5% from a year earlier and 9.5% from the prior quarter, President

Zacks Investment ResearchΒ·1d ago

Community Financial (CBU) Reports Q3 Earnings: What Key Metrics Have to Say

The headline numbers for Community Financial (CBU) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and

Zacks Investment ResearchΒ·1d ago

Community Financial System (CBU) Q3 Earnings and Revenues Beat Estimates

Community Financial System (CBU) came out with quarterly earnings of $1.21 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $1.04 per share a year ago.

Business WireΒ·2d ago

Community Financial System, Inc. Reports Third Quarter 2026 Results

SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Reports Third Quarter 2026 Results.

Business WireΒ·7d ago

Community Financial System, Inc. Announces Quarterly Dividend

SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Announces Quarterly Dividend.