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
Vol413.60K
As of25 Sep 2026

The Verdict

Hold

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/E14.29x
Forward P/E11.87x
P / S (ttm)3.87x
Profit margin27.2%
Return on equity11.5%
Revenue growth+12.0%
Earnings growth+19.8%

Layer Breakdown

LayerRawContribution
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.

United States · ir.cfsi.com

Risk Metrics

Beta vs SPX0.86
Corr SPX0.49
Annual vol28.4%
Annual ret+6.3%
Sharpe0.22
Max DD-28.8%

Window: 504 trading days (504 obs)

Material Events

DateEvent8-K
2026-07-28Earnings Release, Exhibitsread
2026-06-01Other Material Event, Exhibitsread
2026-05-22Shareholder Voteread
2026-05-13Reg FD Disclosureread
2026-04-29Earnings Release, Exhibitsread
2026-02-11Officer / Director Change, Exhibitsread
2026-02-11Reg FD Disclosureread
2026-01-27Earnings Release, Exhibitsread
2026-01-15Reg FD Disclosure, Other Material Event…read
2026-01-06Officer / Director Change, Other Material Eventread
2025-11-12Reg FD Disclosureread
2025-11-10Other Material Event, Exhibitsread

Insider Trades

DateInsiderRoleActionSharesValue
2026-06-25Bolus Mark J.Sell12.19K$816.79K
2026-06-10Durkee Deresa FischerSVP, Chief Accounting OffOption exercise427$22.05K
2026-06-10Durkee Deresa FischerSVP, Chief Accounting OffOption exercise1.20K$52.95K
2026-06-10Durkee Deresa FischerSVP, Chief Accounting OffWithheld for tax1.33K$85.89K
2026-06-08STICKELS ERICSell2.00K$127.96K
2026-05-04Wlos Marya BurgioEVP & Chief Financial OffWithheld for tax273$17.37K
2026-04-29STEELE SALLY AOption exercise9—
2026-04-29Pecor Raymond C IIIOption exercise9—
2026-04-29Parente JohnOption exercise9—
2026-04-29Knauss Jeffery JOption exercise9—

Flow & Concentration

Insider 180d net-$944.75K
Insider buys / sells0 / 2
Insider biasNeutral
13F holders0
Top-5 share0.0%
HHI0 (—)

SEC Filings

DateFormDoc
2026-08-0710-Qview
2026-07-288-Kview
2026-06-294view
2026-06-184view
2026-06-184view
2026-06-1811-Kview
2026-06-114view
2026-06-104view
2026-06-018-Kview
2026-05-228-Kview
2026-05-138-Kview
2026-05-0810-Qview
2026-05-054view
2026-05-014view
2026-05-014view

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%

Indices

S&P SmallCap 600

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$60.85$61.70$60.79$61.57413.60K
Sep 24$60.96$61.22$60.30$60.74250.30K
Sep 23$61.04$61.35$60.69$60.69284.20K
Sep 22$61.71$62.02$61.14$61.14516.70K
Sep 21$62.19$62.53$61.01$61.09320.00K

Understand the score. Research layers are inputs to a model, and the available data has limits.

Read the methodology →