Community Bank System Inc (CBU)
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This stock currently matches 2 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 66.50 $ — 76% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
8/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 9.7%
- Exp. sales growth 3Y > 5% -2.2%
- EBIT growth 10Y > 5% 6.6%
- Exp. EBIT growth 3Y > 5% 15.3%
- Net debt < 4x EBIT 1.6x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 30.3%
- Return on equity > 15% 19.8%
- ROCE > 15% 1.6%
- Expected return > 10% 23.0%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 12.9% failed
- More than 10% revenue growth is expected for the coming year 7.8% failed
- Share count grows by less than 3% a year -0.9% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 30.6% failed
- Gross margin at 40% or higher and without meaningful erosion 78.8% failed
- Goodwill from acquisitions does not grow faster than revenue 5.1% passed
- Net debt below twice EBITDA 1.5 x EBITDA passed
- Operating cash flow covers the profits of the last three years 248 m passed
- Return on capital at 15% or higher, or up versus two years ago 1.6% failed
- Insiders hold at least 10% or are net buyers 0.8% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 4.3% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 6
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 4.59 | 4.56 – 4.62 | 896 | 13.6% | 4 |
| 12/31/2027 | 5.30 | 4.95 – 5.65 | 968 | 15.4% | 6 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.94 | 49.40 | 246 | 15.00 | 20.20 | 66 | 59 |
| 2025: Q1 | 0.94 | 23.00 | 244 | 9.30 | 20.40 | 63 | 52 |
| 2025: Q2 | 0.97 | 6.80 | 247 | 6.90 | 20.70 | 54 | 36 |
| 2025: Q3 | 1.04 | 24.60 | 256 | 6.70 | 21.50 | 101 | 83 |
| 2025: Q4 | 1.03 | 9.50 | 264 | 7.10 | 20.60 | 85 | 46 |
| 2026: Q1 | 1.08 | 14.90 | 259 | 6.10 | 22.10 | 72 | 60 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 441 | 155 | 104 | 2.32 | 136 | 1,198 | 8,668 |
| 2017 | 532 | 160 | 151 | 3.03 | 190 | 1,635 | 10,746 |
| 2018 | 587 | 213 | 169 | 3.26 | 221 | 1,714 | 10,607 |
| 2019 | 616 | 209 | 169 | 3.24 | 203 | 1,855 | 11,410 |
| 2020 | 617 | 206 | 165 | 3.09 | 179 | 2,104 | 13,931 |
| 2021 | 634 | 241 | 190 | 3.49 | 203 | 2,101 | 15,553 |
| 2022 | 702 | 240 | 188 | 3.47 | 215 | 1,552 | 15,836 |
| 2023 | 756 | 168 | 132 | 2.46 | 228 | 1,698 | 15,556 |
| 2024 | 941 | 237 | 182 | 3.45 | 242 | 1,763 | 16,386 |
| 2025 | 1,011 | 275 | 210 | 3.98 | 302 | 2,006 | 17,414 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Community Financial System, Inc. ist die Bankholdinggesellschaft der Community Bank, N. A.
| Employees | 2,853 |
|---|---|
| Headquarters | Syracuse, NY |
| Address | 333 Butternut Drive, 13214-2141 Syracuse, United States |
| Phone | 315 445 2282 |
| Website | ir.cfsi.com |
| IPO Date | 27. Nov 1985 |
| ISIN | US2036071064 |
| Stock Split | 2:1 on 04/13/2004 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Dimitar A. Karaivanov | President, CEO & Director | 1982 |
| Marya Burgio Wlos | Executive VP, Treasurer & CFO | 1978 |
| Maureen A. Gillan-Myer | Executive VP & Chief Human Resources Officer and Administration officer | 1968 |
| Michael N. Abdo | Executive VP & General Counsel | 1978 |
| Aaron Friot | Senior VP, Chief Technology & Operations Officer | – |
| Deresa Fischer Durkee CPA | Senior VP & Chief Accounting Officer | 1970 |
| Dorothy Quarltere | Chief Compliance Officer | – |
| Daniel L. Bailey | Senior VP & Chief Risk Officer | – |
| Matthew K. Durkee | Senior VP, Chief Banking Officer & President of Commercial Banking | 1963 |
| Danielle McCann Cima | Corporate Secretary & Senior Associate General Counsel | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.