The Bid & Ask

Quotations, Dispatches, and the Daily Tape

Friday, August 14, 2026

Subject of the day

CBU

Concerning the House

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.

United States · ir.cfsi.com

The Long Run

FY 2012–2025 · 14 years

LineLatestCAGRTrend
Revenue$818.01M+25.4%
Net income$182.48M+8.5%
Cash from ops$301.86M+13.8%
Quotation

$65.67

+0.55 (+0.8%)

52w hi$70.99
52w lo$52.44
Vol106.78K
As ofAug 13
The Verdict

Hold

Our score +0.20

Short+0.01
Medium+0.26
Long+0.45

computed 2026-08-13

By the Numbers

Community Financial System, Inc.

Financial Services · Banks - Regional

Market cap$3.46B
Enterprise value$3.95B
Trailing P/E15.24x
Forward P/E12.66x
EV / EBITDA
P / S (ttm)4.12x
Profit margin27.2%
Return on equity11.5%
Revenue growth+12.0%
Earnings growth+19.8%
Debt / equity
Risk Metrics
Beta vs SPX0.87
Corr SPX0.49
Annual vol28.8%
Annual ret+10.3%
Sharpe0.36
Max DD-28.8%

Window: 504 trading days (504 obs)

Layer Breakdown
LayerRawContribution
Fundamental+0.34
Sector+0.09
Technical+0.08
Earnings+0.00
Sentiment+0.00

macro × 1.00 · 2026-08-13

Recent Sessions
DateOpenHighLowCloseVol
Aug 13$65.66$65.75$65.25$65.67106.78K
Aug 12$65.31$65.90$64.73$65.12174.80K
Aug 11$64.48$65.19$64.07$64.88187.00K
Aug 10$64.45$64.91$63.79$64.03187.50K
Aug 7$65.02$65.53$64.70$64.85161.70K