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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
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Intellectia

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High
64.210
Open
64.140
VWAP
62.96
Vol
192.99K
Mkt Cap
3.28B
Low
62.200
Amount
12.15M
EV/EBITDA(TTM)
10.58
Total Shares
52.55M
EV
3.44B
EV/OCF(TTM)
4.61
P/S(TTM)
4.75
Community Financial System, Inc. is a diversified financial services company. The Company operates through four business segments, which include Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking segment is a community bank serving the financial needs of customers in local communities. The Employee Benefit Services segment operates a national practice that provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, and health and welfare consulting services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services. The Wealth Management Services segment provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services and personal financial planning services.
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Events Timeline

(ET)
2026-04-29
06:20:00
Company Reports Q1 Revenue of $213.29M, Below Consensus
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2026-01-27 (ET)
2026-01-27
07:00:00
Company Reports Q4 Revenue of $215.45M
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2026-01-15 (ET)
2026-01-15
06:50:00
Community Financial Acquires ClearPoint Bank for $40 Million
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News

seekingalpha
9.5
04-29seekingalpha
Community Financial System Q1 2026 Earnings Highlights
  • Significant Revenue Growth: In Q1 2026, Community Financial System reported a 9% total revenue increase, with operating diluted earnings per share rising 17% year-over-year, indicating strong organic growth across all business segments and enhancing competitive positioning in the market.
  • Net Interest Income Expansion: The company achieved net interest income of $134.7 million in Q1, reflecting a $1.3 million increase over the previous quarter, marking the eighth consecutive quarter of growth in net interest income, driven by lower funding costs.
  • Robust Balance Sheet Growth: As of Q1, ending loans increased by $181.4 million (1.7%), total deposits rose by $483 million (3.4%), and the allowance for credit losses increased by $2.3 million, demonstrating the company's solid performance in organic commercial real estate growth.
  • Positive Acquisition Progress: Management indicated active discussions for acquisitions across all businesses, while still awaiting regulatory approval for ClearPoint, which is expected to provide significant support for future growth and further solidify market share.
seekingalpha
9.5
04-28seekingalpha
Community Financial System to Announce Q1 Earnings on April 29
  • Earnings Announcement: Community Financial System (CBU) is set to release its Q1 2023 earnings report on April 29 before market open, with a consensus EPS estimate of $1.09, reflecting a 17.2% year-over-year increase, indicating significant improvement in profitability.
  • Revenue Expectations: The revenue estimate for Q1 stands at $216.04 million, representing a 10.1% year-over-year growth, which showcases the company's robust growth and strong business performance, potentially boosting investor confidence.
  • Historical Performance Review: Over the past two years, CBU has beaten EPS estimates 63% of the time and revenue estimates 50% of the time, suggesting a level of reliability in financial performance that may attract more investor interest.
  • Estimate Revision Dynamics: In the last three months, EPS estimates have seen one upward revision and three downward revisions, while revenue estimates have experienced one upward and one downward revision, indicating mixed market sentiment regarding the company's future performance.
Yahoo Finance
6.5
04-14Yahoo Finance
Wall Street Turns Bearish on Community Bank Outlook
  • Weak Performance: Community Bank (CBU) has shown a lackluster net interest income growth of only 6.6% annually over the past five years, which is below the typical banking firm's performance, potentially impacting future shareholder returns.
  • Declining Profitability: Although the annual earnings per share growth stands at 4.8%, it underperforms revenue growth, indicating a diminishing profitability of incremental sales that could erode investor confidence.
  • Credit Quality Challenges: The bank faces significant credit quality issues during the current economic cycle, with tangible book value per share declining by 3% annually over the last five years, which may affect its long-term stability.
  • High Market Valuation: Trading at $63.00 per share with a forward P/B ratio of 1.5x, Community Bank's market valuation suggests that expectations for future growth may be overly optimistic, increasing investment risks.
Newsfilter
9.5
03-19Newsfilter
Community Financial System to Host Q1 2026 Earnings Call
  • Earnings Call Details: Community Financial System will host an earnings conference call on April 29, 2026, at 11:00 a.m. ET, where executives will discuss Q1 financial and operational results, with prepared remarks lasting approximately 15 minutes followed by a Q&A session.
  • Financial Results Timing: The company will release its Q1 financial results prior to market open on April 29, 2026, ensuring investors receive the latest financial information ahead of the call, thereby enhancing transparency and market confidence.
  • Company Overview: Community Financial System is a diversified financial services company focused on banking, employee benefits, insurance, and wealth management, with its banking subsidiary holding over $17 billion in assets and operating approximately 200 customer facilities across several states.
  • Subsidiary Performance: The company's Benefit Plans Administrative Services, Inc. is a leading national provider of employee benefits administration, while OneGroup NY, Inc. ranks among the top 68 insurance agencies in the U.S., showcasing the company's extensive influence in the financial services sector.
NASDAQ.COM
2.0
03-11NASDAQ.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
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
Raymond James
Steve Moss
Strong Buy
maintain
$73 -> $75
AI Analysis
2026-04-30
Reason
Raymond James
Steve Moss
Price Target
$73 -> $75
AI Analysis
2026-04-30
maintain
Strong Buy
Reason
Raymond James analyst Steve Moss raised the firm's price target on Community Financial to $75 from $73 and keeps a Strong Buy rating on the shares. Community Financial's business momentum remains strong and broad-based, with growth from both the bank and its fee income businesses, which represent 37% of revenue, the analyst tells investors in a research note.
Piper Sandler
Neutral
maintain
$62 -> $66
2026-04-30
Reason
Piper Sandler
Price Target
$62 -> $66
2026-04-30
maintain
Neutral
Reason
Piper Sandler raised the firm's price target on Community Financial to $66 from $62 and keeps a Neutral rating on the shares. The firm notes the company's PPNR beat on lower OpEx outpacing lower Fees with fairly in line net interest income. Based on Q1 trends, Piper says there could be upside to net interest income, loan growth, and OpEx vs the Outlook and not yet in its unchanged EPS.
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Valuation Metrics

The current forward P/E ratio for Community Financial System Inc (CBU.N) is 15.77, compared to its 5-year average forward P/E of 16.53. 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
16.53
Current PE
15.77
Overvalued PE
19.91
Undervalued PE
13.15

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
0.74
Current EV/EBITDA
8.59
Overvalued EV/EBITDA
3.45
Undervalued EV/EBITDA
-1.97

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
4.35
Current PS
3.47
Overvalued PS
5.42
Undervalued PS
3.28

Financials

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Whales Holding CBU

N
NFJ Investment Group, LLC
Holding
CBU
+7.69%
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 62.46 USD — it has decreased -2.35

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

Community Financial System, Inc. is a diversified financial services company. The Company operates through four business segments, which include Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking segment is a community bank serving the financial needs of customers in local communities. The Employee Benefit Services segment operates a national practice that provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, and health and welfare consulting services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services. The Wealth Management Services segment provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services and personal financial planning services.

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 183.96M USD, increased 11.03

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 1.08 USD, increased 16.13

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

Community Financial System Inc (CBU) has 2853 emplpoyees as of May 12 2026.

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

Today CBU has the market capitalization of 3.28B USD.