Community Bank System Inc (CBU)

Currency in USD
52.40
+0.94(+1.83%)
Closed·
After Hours
52.400.00(0.00%)
·
CBU Scorecard
Full Analysis
Has raised its dividend for 27 consecutive years
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Fair Value
Day's Range
51.2652.43
52 wk Range
49.4473.39
Key Statistics
Prev. Close
51.46
Open
51.92
Day's Range
51.26-52.43
52 wk Range
49.44-73.39
Volume
254.67K
Average Volume (3m)
209.83K
1-Year Change
-12.72%
Book Value / Share
35.63
Fair Value
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Fair Value Upside
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Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
67.40
Upside
+28.63%
Members' Sentiments
Bearish
Bullish
ProTips
4 analysts have revised their earnings upwards for the upcoming period
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Buy
Technical Indicators
Strong Buy
Moving Averages
Neutral

Community Bank System Inc Company Profile

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 municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Financial System, Inc. was founded in 1866 and is headquartered in Dewitt, New York.

Sector
Financial
Employees
2824

Community Bank System Inc Earnings Call Summary for Q2/2025

  • Community Bank System beats Q2 2025 EPS at $1.04, up 6.6% YoY, but misses revenue at $199.3M; stock falls 2.97% to $57.92
  • Net Interest Income rises 14% YoY to $124.7M; Net Interest Margin increases 6 basis points to 3.3%
  • Company plans 19 new branches, targets 4-5% loan growth and 3-5 basis point quarterly net interest margin expansion
  • Management cites strong liquidity and capital reserves as foundation for growth; competitive lending pressures remain a challenge
  • Analysts question strategies to navigate rate pressures; management highlights strong loan pipeline and quality of acquired deposits
Last Updated: 22/07/2025, 16:50
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Compare CBU to Peers and Sector

Metrics to compare
CBU
Peers
Sector
Relationship
P/E Ratio
14.0x−47.5x9.5x
PEG Ratio
0.790.430.03
Price/Book
1.4x0.8x1.0x
Price / LTM Sales
3.6x5.4x2.8x
Upside (Analyst Target)
27.9%24.6%14.3%
Fair Value Upside
Unlock2.7%2.3%Unlock

Analyst Ratings

2 Buy
3 Hold
0 Sell
Ratings:
5 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 67.40
(+28.63% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 3.69%
Dividend Yield
3.59%
Industry Median 3.48%
Annualised payout
1.88
Paid quarterly
5-Years Growth
+2.33%
Growth Streak

Earnings

Latest Release
Jul 22, 2025
EPS / Forecast
1.04 / 1.01
Revenue / Forecast
199.30M / 201.23M
EPS Revisions
Last 90 days

CBU Income Statement

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FAQ

What Stock Exchange Does Community Bank System Trade On?

Community Bank System is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for Community Bank System?

The stock symbol for Community Bank System is "CBU."

What Is the Community Bank System Market Cap?

As of today, Community Bank System market cap is 2.77B.

What Is Community Bank System's Earnings Per Share (TTM)?

The Community Bank System EPS (TTM) is 3.69.

When Is the Next Community Bank System Earnings Date?

Community Bank System will release its next earnings report on 26 Oct 2025.

From a Technical Analysis Perspective, Is CBU a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Community Bank System Stock Split?

Community Bank System has split 4 times.

How Many Employees Does Community Bank System Have?

Community Bank System has 2824 employees.

What is the current trading status of Community Bank System (CBU)?

As of 04 Aug 2025, Community Bank System (CBU) is trading at a price of 52.40, with a previous close of 51.46. The stock has fluctuated within a day range of 51.26 to 52.43, while its 52-week range spans from 49.44 to 73.39.
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