Inside the research
Community Financial System, Inc.
CBU Research profile · latest available data
Price overview
$61.57
▲ +0.83 (+1.4%)
| 52w hi | $70.44 |
|---|---|
| 52w lo | $52.04 |
| Vol | 413.60K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.09
| Short | +0.06 |
|---|---|
| Medium | +0.03 |
| Long | +0.28 |
computed 2026-09-27
Key fundamentals
Community Financial System, Inc.
Financial Services · Banks - Regional
| Market cap | $3.24B |
|---|---|
| Enterprise value | $3.76B |
| Trailing P/E | 14.29x |
| Forward P/E | 11.87x |
| P / S (ttm) | 3.87x |
| Profit margin | 27.2% |
| Return on equity | 11.5% |
| Revenue growth | +12.0% |
| Earnings growth | +19.8% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.35 | |
| Sector | +0.02 | |
| Technical | -0.17 | |
| Earnings | +0.00 | |
| Sentiment | +0.33 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 0.86 |
|---|---|
| Corr SPX | 0.49 |
| Annual vol | 28.4% |
| Annual ret | +6.3% |
| Sharpe | 0.22 |
| Max DD | -28.8% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-28 | Earnings Release, Exhibits | read |
| 2026-06-01 | Other Material Event, Exhibits | read |
| 2026-05-22 | Shareholder Vote | read |
| 2026-05-13 | Reg FD Disclosure | read |
| 2026-04-29 | Earnings Release, Exhibits | read |
| 2026-02-11 | Officer / Director Change, Exhibits | read |
| 2026-02-11 | Reg FD Disclosure | read |
| 2026-01-27 | Earnings Release, Exhibits | read |
| 2026-01-15 | Reg FD Disclosure, Other Material Event… | read |
| 2026-01-06 | Officer / Director Change, Other Material Event | read |
| 2025-11-12 | Reg FD Disclosure | read |
| 2025-11-10 | Other Material Event, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-25 | Bolus Mark J. | Sell | 12.19K | $816.79K | |
| 2026-06-10 | Durkee Deresa Fischer | SVP, Chief Accounting Off | Option exercise | 427 | $22.05K |
| 2026-06-10 | Durkee Deresa Fischer | SVP, Chief Accounting Off | Option exercise | 1.20K | $52.95K |
| 2026-06-10 | Durkee Deresa Fischer | SVP, Chief Accounting Off | Withheld for tax | 1.33K | $85.89K |
| 2026-06-08 | STICKELS ERIC | Sell | 2.00K | $127.96K | |
| 2026-05-04 | Wlos Marya Burgio | EVP & Chief Financial Off | Withheld for tax | 273 | $17.37K |
| 2026-04-29 | STEELE SALLY A | Option exercise | 9 | — | |
| 2026-04-29 | Pecor Raymond C III | Option exercise | 9 | — | |
| 2026-04-29 | Parente John | Option exercise | 9 | — | |
| 2026-04-29 | Knauss Jeffery J | Option exercise | 9 | — |
Flow & Concentration
| Insider 180d net | -$944.75K |
|---|---|
| Insider buys / sells | 0 / 2 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2012–2025 · 14 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $818.01M | +25.4% | |
| Net income | $182.48M | +8.5% | |
| Cash from ops | $301.86M | +13.8% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $60.85 | $61.70 | $60.79 | $61.57 | 413.60K |
| Sep 24 | $60.96 | $61.22 | $60.30 | $60.74 | 250.30K |
| Sep 23 | $61.04 | $61.35 | $60.69 | $60.69 | 284.20K |
| Sep 22 | $61.71 | $62.02 | $61.14 | $61.14 | 516.70K |
| Sep 21 | $62.19 | $62.53 | $61.01 | $61.09 | 320.00K |
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