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CBU Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
58.390
Open
57.890
VWAP
57.68
Vol
193.09K
Mkt Cap
3.04B
Low
57.030
Amount
11.14M
EV/EBITDA(TTM)
11.12
Total Shares
52.72M
EV
3.45B
EV/OCF(TTM)
4.91
P/S(TTM)
4.43
Community Financial System, Inc. is a diversified financial services company that is focused on four main business lines, such as banking, employee benefit services, insurance services and wealth management services. The Company’s banking subsidiary, Community Bank, N.A. (CBNA), operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. CBNA provides a wide array of lending and depository-related products and services. The Company’s Benefit Plans Administrative Services, Inc. subsidiary is a provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting services to customers on a national scale. The Company’s OneGroup NY, Inc. subsidiary is a United States insurance agency. The Company also offers comprehensive financial planning, trust administration and wealth management services through its Wealth Management operating unit.
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Events Timeline

(ET)
2026-01-27
07:00:00
Company Reports Q4 Revenue of $215.45M
select
2026-01-15 (ET)
2026-01-15
06:50:00
Community Financial Acquires ClearPoint Bank for $40 Million
select
2025-09-08 (ET)
2025-09-08
06:46:35
Community Financial invests in Leap Holdings through minority stake.
select

News

NASDAQ.COM
2.0
21:03 PMNASDAQ.COM
Community Financial System Stock Shows Oversold Signal
  • Oversold Indicator: Community Financial System (CBU) shares hit an RSI of 28.4 on Wednesday, indicating an oversold condition that suggests recent heavy selling may be exhausting, prompting bullish investors to seek buying opportunities.
  • Price Fluctuation: The lowest trading price for CBU was $57.03 per share, with the current trading price at $57.62, showing a significant rebound from the 52-week low of $49.44, indicating potential market recovery.
  • Market Comparison: Compared to the S&P 500 ETF (SPY) with an RSI of 42.4, CBU's oversold status may attract bullish investors looking for potential entry points in the stock.
  • Historical Performance: CBU's 52-week high stands at $67.50 per share, indicating that the current price remains below this peak, suggesting potential upside as the market stabilizes.
NASDAQ.COM
2.0
01-27NASDAQ.COM
Community Bank (CBU) Earnings Call Transcript
seekingalpha
9.5
01-27seekingalpha
Community Financial System Q4 2025 Earnings Report
  • Earnings Miss: Community Financial System reported a Q4 2025 non-GAAP EPS of $1.12, missing expectations by $0.01, indicating some pressure on profitability despite overall growth.
  • Revenue Growth: The company achieved Q4 revenue of $215.45 million, a 9.8% year-over-year increase, surpassing market expectations by $2.26 million, reflecting a strong business growth trajectory.
  • Net Interest Income Rise: Q4 net interest income reached $133.4 million, up $13.5 million or 11.2% from Q4 2024, showcasing the company's robust performance in interest income generation.
  • Improved Net Interest Margin: The net interest margin for Q4 was 3.37%, up 20 basis points from Q4 2024, while the fully tax-equivalent net interest margin increased to 3.39%, indicating effective interest management strategies.
NASDAQ.COM
9.5
01-27NASDAQ.COM
Community Financial System Reports Q4 Profit Growth
  • Profit Growth: Community Financial System's Q4 net profit reached $54.42 million, with earnings per share of $1.03, significantly up from $49.79 million and $0.94 per share last year, indicating improved profitability.
  • Adjusted Earnings: Excluding items, the company reported adjusted earnings of $59.55 million or $1.12 per share, showcasing strong performance in its core business operations.
  • Revenue Increase: The company's revenue rose 9.8% year-over-year to $215.45 million, compared to $196.29 million last year, reflecting sustained market demand.
  • Market Impact: This growth in profit and revenue not only boosts investor confidence but also potentially provides funding for future expansion and investments, further solidifying the company's market position.
Businesswire
9.5
01-27Businesswire
Community Financial System Reports Q4 and Full Year 2025 Results
  • Earnings Release: Community Financial System, Inc. (CBU) reported its fourth quarter and full year 2025 financial results, which are available on the company's investor relations website, indicating stable performance in its diversified financial services sector.
  • Conference Call Scheduled: Management will host a conference call on January 27, 2026, at 11:00 a.m. (ET) to discuss the 2025 financial results, providing convenient access via webcast and dial-in options to enhance investor communication.
  • Asset Scale: Community Bank, the company's subsidiary, boasts over $17 billion in assets and operates approximately 200 customer facilities, underscoring its significant position among the top 100 banks in the U.S. and reinforcing the company's market competitiveness.
  • Diversified Business Lines: The company focuses on four main business lines: banking services, employee benefits, insurance, and wealth management, showcasing its comprehensive financial service capabilities nationwide, which enhances customer trust and reliance.
NASDAQ.COM
2.0
01-26NASDAQ.COM
Community Bank CBU Earnings Call Transcript
Wall Street analysts forecast CBU stock price to rise
2 Analyst Rating
Wall Street analysts forecast CBU stock price to rise
0 Buy
2 Hold
0 Sell
Hold
Current: 0.000
sliders
Low
62.00
Averages
63.50
High
65.00
Current: 0.000
sliders
Low
62.00
Averages
63.50
High
65.00
DA Davidson
Neutral
initiated
$72
AI Analysis
2026-02-25
Reason
DA Davidson
Price Target
$72
AI Analysis
2026-02-25
initiated
Neutral
Reason
DA Davidson last night initiated coverage of Community Financial with a Neutral rating and $72 price target. The firm cites the stock's premium valuation for the Neutral rating.
DA Davidson
Jake Civiello
Neutral
initiated
$72
2026-02-24
Reason
DA Davidson
Jake Civiello
Price Target
$72
2026-02-24
initiated
Neutral
Reason
DA Davidson analyst Jake Civiello initiated coverage of Community Financial with a Neutral rating and $72 price target.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for CBU
Unlock Now

Valuation Metrics

The current forward P/E ratio for Community Financial System Inc (CBU.N) is 12.46, compared to its 5-year average forward P/E of 16.83. For a more detailed relative valuation and DCF analysis to assess Community Financial System Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
16.83
Current PE
12.46
Overvalued PE
20.53
Undervalued PE
13.13

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
4.51
Current PS
3.50
Overvalued PS
5.66
Undervalued PS
3.37

Financials

AI Analysis
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Whales Holding CBU

N
NFJ Investment Group, LLC
Holding
CBU
+3.64%
3M Return

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Frequently Asked Questions

What is Community Financial System Inc (CBU) stock price today?

The current price of CBU is 57.62 USD — it has decreased -0.91

What is Community Financial System Inc (CBU)'s business?

Community Financial System, Inc. is a diversified financial services company that is focused on four main business lines, such as banking, employee benefit services, insurance services and wealth management services. The Company’s banking subsidiary, Community Bank, N.A. (CBNA), operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. CBNA provides a wide array of lending and depository-related products and services. The Company’s Benefit Plans Administrative Services, Inc. subsidiary is a provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting services to customers on a national scale. The Company’s OneGroup NY, Inc. subsidiary is a United States insurance agency. The Company also offers comprehensive financial planning, trust administration and wealth management services through its Wealth Management operating unit.

What is the price predicton of CBU Stock?

Wall Street analysts forecast CBU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CBU is63.50 USD with a low forecast of 62.00 USD and a high forecast of 65.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Community Financial System Inc (CBU)'s revenue for the last quarter?

Community Financial System Inc revenue for the last quarter amounts to 184.94M USD, increased 10.23

What is Community Financial System Inc (CBU)'s earnings per share (EPS) for the last quarter?

Community Financial System Inc. EPS for the last quarter amounts to 1.03 USD, increased 9.57

How many employees does Community Financial System Inc (CBU). have?

Community Financial System Inc (CBU) has 2853 emplpoyees as of March 11 2026.

What is Community Financial System Inc (CBU) market cap?

Today CBU has the market capitalization of 3.04B USD.