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Stock Evaluator: Community Financial System, Inc. (CBU)

Community Financial System, Inc. CBU

$61.94 -0.81 -1.29%
September 1, 2026 4:00:03 PM EST November 10, 2021 Volume: 194,840
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NYSE | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

Commentary & Analysis

Financial Summary

Share Statistics CBU Industry
Median		 Percentile
(All Stocks)
Market Cap (Mil) $3,259.0 $730.8 61%
Shares Out (Mil) 52.8 15.2 49%
Institutional Ownership 98.9% 83.5% 83%
Float (Mil) 52.1 21.7 48%
Beta 0.79 0.45 47%
Avg Daily Volume (000s) 181 45 44%
Price Change
(52-week)		 3.4% 93.1% 51%
Growth CBU Industry
Median		 Percentile
(All Stocks)
Sales (5yr) 6.5% 7.7% 43%
Net Income (5yr) 5.0% 11.1% 47%
EPS (5yr) 5.2% 10.1% 39
Dividends (5yr) 2.3% 3.7% 89%
Cash Flow (5yr) (40.7%) (17.2%) 11%
Estimates Qtrly Current
Fiscal
Year		 Next
Fiscal
Year
# of Estimates 6 6 6
Current EPS $1.185 $4.585 $5.187
Month Ago EPS $1.188 $4.590 $5.295
# Rev Up 2 2 0
# Rev Down 0 0 3
Three Months Ago EPS $1.250 $4.790 $5.383
Year/Year Chg 2.2% 15.5% na
Financials CBU Industry
Median		 Percentile
(All Stocks)
Sales (TTM) (Mil) $838 $195 48%
Net Income (TTM) (Mil) $228 $55 69%
EPS (TTM) $4.350 $2.500 84%
Operating Cash Flow (TTM) (Mil) $308 $33 65%
Net Cash Flow (TTM) (Mil) $21 $2 62%
Long-Term Debt (Q1) (Mil) $434 $99 57%
Enterprise Value (Q1) (Mil) na $0 na
Valuation CBU Industry
Median		 Percentile
(All Stocks)
P/B 1.57 1.23 41%
P/E 14.4 12.3 35%
Dividend Yield 3.2% 2.2% 86%
PEG (5yr hist) 2.8 1.1 77%
Ratios CBU Industry
Median		 Percentile
(All Stocks)
Gross Margin na 63.7% na
Net Margin 27.2% 29.2% 86%
ROA 1.3% 1.1% 50%
ROE 11.5% 11.3% 61%
Liabilities to Assets 88.3% 89.7% 82%
F-Score 6 4 67%

Passing Stock Screens

As of 9/1/2026, from a list of 60 stock screening strategies, CBU meetings the criteria of 1 screen:
Stock Screen
FACTOR STRATEGY

Dividend (High Relative Yield) Screen

Factors: Yield, Value, Growth
Using the dividend-yield approach to invest during volatile markets. 
Performance Since Inception: 9.1%
+/- S&P 500: +1.6

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See All 37 Stocks (as of 9/1/2026)

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

Ⓒ 2026 American Association of Individual Investors