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Community Financial System, Inc. (CBU) stock

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NYSE: CBU NYSE Regional Banks Next results ~January 26, 2027

C+ Fundamentals grade

Community Financial System, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$48

Valuation models combined (6)

Base case. Range ~$32–$53. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Overvalued

The price is above our entire value range; our base value is 26% below it.

Price used: $64.48, November 2, 2026

Community Financial System, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Funds141 adding, 102 cuttingOf 30 active managers that changed their stake, 15 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Community Financial System files

Where Community Financial System stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $859m, up 10.0% on a year earlier, faster than the 9.1% growth a quarter earlier. Our cash-flow model value is $47.67 a share, against a share price of $63.73.

Source: 10-Q filed August 7, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 26, 2027 (estimated)

Community Financial System, Inc.'s trailing-twelve-month revenue grew 10.0% year on year, with a free-cash-flow margin of 28.7%.

Current signal Capital expenditure surging: TTM capex grew 54% year over year and now absorbs 7.2% of revenue.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Strong cash generation. 28.7% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.3bn.

Things to watch

  • Priced above our value. The share price of $64.48 is 26% above our value per share of $48.
  • Missing expectations. Earnings per share fell short of the consensus estimate in 3 of the last four quarters.

Latest results: FY2026 Q2

Filed August 7, 2026
Earnings per share
$1.20 against an average estimate of $1.19: beat by 0.6%
Revenue
$223m, up 12.0% on a year earlier
Share reaction
+0.7% in the first session after the results on October 27, 2026, against +0.9% for the S&P 500
Next report
January 26, 2027; average EPS estimate $1.19

Community Financial System's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+3.4%
  • 1 week+3.5%
  • 1 month+6.2%
  • This year+14.9%
  • 1 year+19.9%
  • 5 years+1.4%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$859M
Net margin
26.6%
EPS (TTM, diluted)
$4.32

Growth

Revenue growth
+10.0%
Change in growth rate
+0.9 pts
Share count change
−0.1%

Earnings

Last results
October 27, 2026
Next results (est.)
January 26, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Announcement
  3. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Community Financial System, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Sell12-month view
12-month price target
~$48
Price used
$64.10close November 3, 2026
Implied change
▼ 26%
Uncertainty
Low

How we got here: the combined value of 6 valuation models built for a business like Community Financial System, Inc. (see the models table below and how they are combined) , with a 8.47% cost of equity. The models span ~$32–~$53; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Community Financial System, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.78 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$48 ~$35–$67 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$52 ~$44–$64 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$53 ~$31–$74 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$32 ~$41–$61 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$50 ~$48–$60 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$52 ~$44–$65 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$48 ~$32–$53 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Community Financial System, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

79 /100

Strong moat

How hard Community Financial System's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 15 / 20

    Net income has been a median 1.2% of total assets over 10 years.

  • Durability 19 / 20

    Net margin has been a median 26.6%; its worst year was 21.2%.

  • Discipline 18 / 20

    The diluted share count fell 2.6% over five years; stock-based pay has been a median 1.1% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (84 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 26, 2027, before the open. Analysts expect revenue of $233m and EPS of $1.19 (range $1.17 to $1.21) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $4.59 +14% $898m +10%
Next $5.19 +13% $966m +8%

Next year's EPS estimate has moved −2.4% in 90 days, across 6 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +0.1% on 90 days ago. In the last 30 days, 2 analysts raised Community Financial System, Inc.'s forecast and 0 cut it.

Consensus EPS forecast Community Financial System, Inc., last 90 days
$4.40 $4.60 $4.80 $5.00 $5.20 $5.40 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $4.59 Current fiscal year, 60 days ago: $4.58 Current fiscal year, 30 days ago: $4.59 Current fiscal year, 7 days ago: $4.60 Current fiscal year, Now: $4.59 $4.59 Next fiscal year, 90 days ago: $5.32 Next fiscal year, 60 days ago: $5.19 Next fiscal year, 30 days ago: $5.19 Next fiscal year, 7 days ago: $5.18 Next fiscal year, Now: $5.19 $5.19

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $4.59$5.32
60 days ago $4.58$5.19
30 days ago $4.59$5.19
7 days ago $4.60$5.18
Now $4.59$5.19

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $1.19 $1.20 +0.6%
Jun 2026 $1.18 $1.10 −6.8%
Mar 2026 $1.09 $1.09 −0.1%
Dec 2025 $1.13 $1.07 −5.3%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 27, 2026

No numeric guidance in Community Financial System, Inc.'s latest earnings release (filed October 27, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

6 analysts, Oct 2026
Buy117%
Hold583%
Sell00%

Monthly trend

  1. Oct 2026156
  2. Sep 2026156
  3. Aug 2026156
  4. Jul 2026156

Counts of recommendations published by analysts covering Community Financial System, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
5.1%
of tradable shares
Days to cover
6.05
at average volume
Short interest, 1 month
−7%
to October 15, 2026
Held by institutions
80%
of shares
Held by insiders
0.8%
of shares
Employees
2,853
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +19.9%

$53.79 on October 31, 2025 to $64.48

ThenNowEffect
Revenue (last 12 months) $781m $859m +10.0%
Net margin 24.9% 26.6% +6.5%
P/E multiple 14.6x 14.9x +2.2%
Share count 53m 53m +0.1%

Biggest factor: revenue.

Last 3 years +62.6%

$39.66 on November 3, 2023 to $64.48

ThenNowEffect
Revenue (last 12 months) $651m $859m +31.9%
Net margin 23.8% 26.6% +11.4%
P/E multiple 13.8x 14.9x +8.1%
Share count 54m 53m +2.4%

Biggest factor: revenue.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
CBU+22%−13%−14%+23%−4%+15%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
CBU67%42%33%50%50%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
CBU−20%−22%−40%−20%−25%−17%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 51% from March 12, 2021 to October 24, 2023. Getting back needed a 104% gain, reached on July 16, 2026, 996 days after the low.

Price behaviour

52-week range
$52.04 – $70.44
From 52-week high
−8.5%
vs 50-day average
+5.0%
vs 200-day average
+3.7%
Volatility (1 year)
22%
Beta vs S&P 500
0.44

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±2.0%
After a week
8 up, 3 down
typical move ±3.0%
After a month
6 up, 5 down
typical move ±4.6%
Results releasedNext dayS&P 500 next day5 days21 days
October 27, 2026 +0.7% +0.9% — —
July 28, 2026 −3.2% −1.3% +0.2% −5.2%
April 29, 2026 +0.3% +1.0% +1.1% +0.7%
January 27, 2026 −1.1% +0.4% +4.3% +2.0%
October 21, 2025 +0.5% −0.5% +2.4% −3.2%
July 22, 2025 −4.4% +0.9% −6.8% −1.3%
April 29, 2025 −1.9% +0.7% +0.3% +1.9%
January 21, 2025 +2.5% +1.5% +3.3% +1.1%
October 22, 2024 −1.2% −1.0% +3.1% +15.3%
July 23, 2024 +1.3% −2.4% +3.9% −0.7%
April 23, 2024 +2.0% +1.1% −2.8% +6.9%
January 23, 2024 −4.5% +0.4% −4.8% −12.3%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Community Financial System, Inc. in five measures

Fundamentals grade C+
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Community Financial System, Inc.
$600M $700M $800M $900M FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $651.1M Revenue (TTM), FY23 Q4: $652.1M Revenue (TTM), FY24 Q1: $704.9M Revenue (TTM), FY24 Q2: $713.4M Revenue (TTM), FY24 Q3: $727M Revenue (TTM), FY24 Q4: $746.3M Revenue (TTM), FY25 Q1: $765.3M Revenue (TTM), FY25 Q2: $780.7M Revenue (TTM), FY25 Q3: $798.8M Revenue (TTM), FY25 Q4: $818M Revenue (TTM), FY26 Q1: $835M Revenue (TTM), FY26 Q2: $858.9M $858.9M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $651.1M
FY23 Q4 $652.1M
FY24 Q1 $704.9M
FY24 Q2 $713.4M
FY24 Q3 $727M
FY24 Q4 $746.3M
FY25 Q1 $765.3M
FY25 Q2 $780.7M
FY25 Q3 $798.8M
FY25 Q4 $818M
FY26 Q1 $835M
FY26 Q2 $858.9M
Revenue growth, TTM YoY Community Financial System, Inc.
-5% 0% 5% 10% 15% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: -1.8% Revenue growth, TTM YoY, FY23 Q4: -4.0% Revenue growth, TTM YoY, FY24 Q1: 9.6% Revenue growth, TTM YoY, FY24 Q2: 9.5% Revenue growth, TTM YoY, FY24 Q3: 11.7% Revenue growth, TTM YoY, FY24 Q4: 14.4% Revenue growth, TTM YoY, FY25 Q1: 8.6% Revenue growth, TTM YoY, FY25 Q2: 9.4% Revenue growth, TTM YoY, FY25 Q3: 9.9% Revenue growth, TTM YoY, FY25 Q4: 9.6% Revenue growth, TTM YoY, FY26 Q1: 9.1% Revenue growth, TTM YoY, FY26 Q2: 10.0% 10.0%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 -1.8%
FY23 Q4 -4.0%
FY24 Q1 9.6%
FY24 Q2 9.5%
FY24 Q3 11.7%
FY24 Q4 14.4%
FY25 Q1 8.6%
FY25 Q2 9.4%
FY25 Q3 9.9%
FY25 Q4 9.6%
FY26 Q1 9.1%
FY26 Q2 10.0%
FCF margin (TTM) Community Financial System, Inc.
25% 30% 35% 40% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: 36.6% FCF margin (TTM), FY23 Q4: 32.2% FCF margin (TTM), FY24 Q1: 30.3% FCF margin (TTM), FY24 Q2: 29.3% FCF margin (TTM), FY24 Q3: 27.9% FCF margin (TTM), FY24 Q4: 29.7% FCF margin (TTM), FY25 Q1: 25.6% FCF margin (TTM), FY25 Q2: 25.5% FCF margin (TTM), FY25 Q3: 28.8% FCF margin (TTM), FY25 Q4: 28.5% FCF margin (TTM), FY26 Q1: 28.9% FCF margin (TTM), FY26 Q2: 28.7% 28.7%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 36.6%
FY23 Q4 32.2%
FY24 Q1 30.3%
FY24 Q2 29.3%
FY24 Q3 27.9%
FY24 Q4 29.7%
FY25 Q1 25.6%
FY25 Q2 25.5%
FY25 Q3 28.8%
FY25 Q4 28.5%
FY26 Q1 28.9%
FY26 Q2 28.7%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Community Financial System earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $699M
  2. Fee and other income $311M · 38.1%
  3. Interest paid $193M
  4. Net interest income $507M · 61.9%
  5. Revenue $818M
  6. Non-interest expense $521M · 63.7%
  7. Credit-loss provisions $21.4M · 2.6%
  8. Pre-tax profit $275M · 33.7%
  9. Income tax $64.9M · 7.9%
  10. Net income $210M · 25.7%

Shares of revenue. Source: Community Financial System's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 249 270 299 330 340 363 372 430 518 569 590 597 621 679 652 746 818 859
Net income 41 63 73 77 79 91 91 104 151 169 169 165 190 188 132 182 210 228
Diluted EPS $1.26 $1.89 $2.01 $1.93 $1.94 $2.22 $2.19 $2.32 $3.03 $3.24 $3.23 $3.08 $3.48 $3.46 $2.45 $3.44 $3.97 $4.32
Growth (year on year)
Revenue — +8.6% +10.4% +10.4% +3.2% +6.8% +2.3% +15.5% +20.6% +9.8% +3.6% +1.2% +4.0% +9.5% −4.0% +14.4% +9.6% +10.0%
Net income — +52.8% +15.5% +5.4% +2.3% +15.9% −0.1% +13.8% +45.2% +11.9% +0.3% −2.6% +15.2% −0.9% −29.9% +38.3% +15.3% +17.2%
Diluted EPS — +50.0% +6.3% −4.0% +0.5% +14.4% −1.4% +5.9% +30.6% +6.9% −0.3% −4.6% +13.0% −0.6% −29.2% +40.4% +15.4% +17.3%
Margins
Net margin 16.6% 23.4% 24.5% 23.4% 23.2% 25.1% 24.5% 24.2% 29.1% 29.6% 28.7% 27.6% 30.6% 27.7% 20.2% 24.5% 25.7% 26.6%
Free-cash-flow margin 23.3% 30.1% 28.4% 29.6% 26.3% 29.9% 28.8% 28.7% 34.5% 36.7% 33.4% 27.6% 30.5% 29.7% 32.2% 29.7% 28.5% 28.7%
Cash flow
Cash from operations 44 97 94 108 103 122 120 136 190 221 203 179 203 215 228 242 302 308
Capital spending −14 16 10 11 14 13 12 12 11 13 6 15 13 13 19 21 69 62
Free cash flow 58 81 85 98 89 109 107 123 179 209 197 165 189 202 210 222 233 247
Stock-based pay 3 4 4 4 4 4 4 5 5 6 5 6 6 8 9 8 11 11
Free cash flow after stock pay 55 78 81 94 85 105 103 119 174 203 192 158 183 194 201 213 222 236
Balance sheet
Cash 362 212 325 229 150 138 153 174 221 212 205 1,646 1,875 210 191 197 302 258
Total debt 0 728 728 728 142 440 403 395 510 468 345 371 330 1,138 765 999 690 690
Net debt (negative = net cash) −362 517 403 500 −8 302 250 221 289 256 140 −1,275 −1,545 928 574 802 388 432
Diluted shares 33m 33m 36m 40m 41m 41m 41m 44m 49m 52m 52m 53m 54m 54m 54m 53m 53m 53m
Returned to shareholders
Dividends 29 30 34 41 43 46 49 55 62 71 80 87 91 93 95 96 98 99
Buybacks — — — 0 0 4 9 3 3 0 0 0 5 17 30 46 11 27
Total returned 29 30 34 41 43 51 58 59 66 72 81 87 96 110 125 142 109 126

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q2 TTM
Buybacks (TTM)
$27.2M
Dividends (TTM)
$98.6M
Returned to shareholders
51%
of free cash flow
Buybacks, last 3 fiscal years
$87M
Diluted share count
−0.1%
year over year
Total shareholder yield
3.7%
dividends 2.9% + buybacks 0.8% of market value
Dividend payout ratio
43%
of net income paid out

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated CBU CATY CASH TRMK PFS FHB Median
Revenue, last 12 months $859m $871m $826m $818m $907m $908m $255m
Revenue growth, last 12 months 10.0% 14.5% −0.8% 4.5% 8.1% 7.7% 12.5%
Revenue growth, 3-year average 9.7% 1.5% 7.4% 5.6% 20.4% 2.3% 6.0%
Revenue growth, latest quarter 12.0% 13.1% −3.1% 4.8% 9.6% 1.7% 10.7%
Net margin 26.6% 39.9% 21.3% 28.7% 34.5% 30.3% 28.7%
Cash from operations / revenue 35.9% 62.2% 84.4% 25.4% 40.8% 42.4% 34.3%
Free-cash-flow margin 28.7% 61.4% 82.8% 22.9% 38.6% 40.2% 31.4%
Free-cash-flow margin, 3-year average 27.8% 49.3% 57.7% 25.4% 48.9% 34.3% 29.9%
Stock pay / revenue 1.3% 0.9% 1.4% 0.9% — 1.8% 1.2%
Change in share count −0.1% −4.5% −8.1% −2.6% 0.1% −2.8% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth 10.0% 12.5% 155 of 245
Change in growth rate Growth +0.9pp +0.0pp 95 of 244
Net margin Profitability 26.6% 28.7% 145 of 245
Stock pay as % of revenue Cash generation 1.3% 1.3% 104 of 206
Change in share count Balance sheet -0.1% 0.4% 88 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Who owns it

Funds buying and selling
Reported value
$2.8B
Institutions reporting
277
Shares held vs prior quarter
▲ 2.6%
Positions opened / closed
36 / 25

Top buyers and sellers, Q2 2026: 141 institutions bought and 102 sold ; the biggest buyer was FMR LLC (+652K shares) and the biggest seller Nfj Investment Group, LLC (−420K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $507M 7.6M 18.4% ▲ 0.6%
FMR LLC $247M 3.7M 9.0% ▲ 21.5%
Vanguard Portfolio Management LLC $238M 3.5M 8.7% ▲ 0.7%
Neuberger Berman Group LLC $232M 3.5M 8.4% ▼ 7.0%
State Street Corp $224M 3.3M 8.1% ▲ 5.2%
Vanguard Capital Management LLC $159M 2.4M 5.8% ▼ 0.4%
Dimensional Fund Advisors LP $124M 1.8M 4.5% ▲ 1.4%
Morgan Stanley $113M 1.7M 4.1% ▼ 9.6%
Geode Capital Management, LLC $91.3M 1.4M 3.3% ▲ 4.8%
Federated Hermes, Inc. $49.6M 739K 1.8% ▼ 2.2%
Northern Trust Corp $44.1M 658K 1.6% ▲ 6.0%
Charles Schwab Investment Management Inc $42.6M 635K 1.5% ▼ 0.6%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Community Financial System, Inc.'s complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying

No open-market insider trades reported in the last 12 months.

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 3 trades and filings

No trades in Community Financial System, Inc. disclosed in the last 12 months; 3 earlier trades on record.

  • Lisa C. McClain(R-MI 9):Sale (full), $1,001 - $15,000, traded June 17, 2025, filed August 13, 2025
  • Lisa C. McClain(R-MI 9):Purchase, $1,001 - $15,000, traded June 11, 2025, filed August 13, 2025
  • Daniel S. Goldman(D-NY 10):Sale (full), $15,001 - $50,000, traded July 12, 2023, filed August 13, 2023

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 26, 2027 estimated from the company's past filing pattern, not announced

  • October 27, 2026
  • July 28, 2026
  • April 29, 2026
  • January 27, 2026
  • October 21, 2025
  • July 22, 2025

Recent SEC filings

Data status

When each part of this page on Community Financial System, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Community Financial System, Inc. in brief

What does Community Financial System, Inc. do?
Community Financial System, Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Community Financial System, Inc.'s stock ticker?
Community Financial System, Inc. trades under the ticker CBU on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Community Financial System, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Community Financial System, Inc. reported revenue of $859M, 10.0% higher than a year earlier, according to its SEC filings.
What is Community Financial System, Inc.'s free cash flow?
Community Financial System, Inc.'s free-cash-flow margin is 28.7% of revenue over the trailing twelve months.
Who are Community Financial System, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., FMR LLC and Vanguard Portfolio Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Community Financial System, Inc. buying back stock, and does it pay a dividend?
Community Financial System, Inc. spent $27.2M on share repurchases over the trailing twelve months, and its diluted share count fell 0.1% over the year.
What is Community Financial System, Inc.'s market cap?
On November 2, 2026, Community Financial System, Inc.'s market capitalisation was about $3.4B, with a price-to-earnings ratio of 14.9 and net debt of $432M. Market figures come from third-party market data and may be delayed.
Does Community Financial System, Inc. pay a dividend?
Yes: Community Financial System, Inc. paid $98.6M in dividends over the trailing twelve months, a dividend yield of 2.90% and a payout ratio of 43.2%.
Who are Community Financial System, Inc.'s competitors?
In our Regional Banks peer group, the companies closest to Community Financial System, Inc. are Cathay General Bancorp, Pathward Financial, Inc., Trustmark Corp, Provident Financial Services Inc and First Hawaiian, Inc. The side-by-side comparison below sets their revenue, margins and growth against Community Financial System, Inc.'s.
When is Community Financial System, Inc.'s next earnings date?
Around January 26, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Community Financial System, Inc. announces its own schedule.