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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 municipal customers. It operates in three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest-bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, such as consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Financial System, Inc. was founded in 1866 and is headquartered in Dewitt, New York. more
| Time Frame | CBU | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -1.16% | -2.52% | -1.33% |
| 1-Month Return | 7.66% | -1.88% | 0.78% |
| 3-Month Return | 20.08% | 1.46% | 2.61% |
| 6-Month Return | 14.91% | -0.57% | 6.19% |
| 1-Year Return | 0.2% | 0.06% | 11.68% |
| 3-Year Return | 7.96% | 43.45% | 67.81% |
| 5-Year Return | -6.15% | 62.01% | 74.06% |
| 10-Year Return | 77.99% | 204.54% | 255.08% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 633.65M | 702.45M | 755.98M | 940.71M | 928.71M | [{"date":"2021-12-31","value":67.36,"profit":true},{"date":"2022-12-31","value":74.67,"profit":true},{"date":"2023-12-31","value":80.36,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":98.72,"profit":true}] |
| Cost of Revenue | 4.17M | 37.87M | 115.31M | 217.18M | 246.71M | [{"date":"2021-12-31","value":1.69,"profit":true},{"date":"2022-12-31","value":15.35,"profit":true},{"date":"2023-12-31","value":46.74,"profit":true},{"date":"2024-12-31","value":88.03,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Profit | 629.49M | 664.58M | 640.67M | 723.53M | 682.00M | [{"date":"2021-12-31","value":87,"profit":true},{"date":"2022-12-31","value":91.85,"profit":true},{"date":"2023-12-31","value":88.55,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":94.26,"profit":true}] |
| Gross Margin | 99.34% | 94.61% | 84.75% | 76.91% | 73.43% | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":95.24,"profit":true},{"date":"2023-12-31","value":85.31,"profit":true},{"date":"2024-12-31","value":77.42,"profit":true},{"date":"2025-12-31","value":73.92,"profit":true}] |
| Operating Expenses | 388.14M | 424.27M | 472.44M | 486.82M | 390.34M | [{"date":"2021-12-31","value":79.73,"profit":true},{"date":"2022-12-31","value":87.15,"profit":true},{"date":"2023-12-31","value":97.05,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":80.18,"profit":true}] |
| Operating Income | 241.35M | 240.31M | 168.23M | 236.71M | 291.65M | [{"date":"2021-12-31","value":82.75,"profit":true},{"date":"2022-12-31","value":82.4,"profit":true},{"date":"2023-12-31","value":57.68,"profit":true},{"date":"2024-12-31","value":81.16,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Total Non-Operating Income/Expense | 341.06M | 377.33M | 381.46M | 388.71M | - | [{"date":"2021-12-31","value":87.74,"profit":true},{"date":"2022-12-31","value":97.07,"profit":true},{"date":"2023-12-31","value":98.14,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 241.35M | 240.31M | 168.23M | 236.71M | 275.39M | [{"date":"2021-12-31","value":87.64,"profit":true},{"date":"2022-12-31","value":87.26,"profit":true},{"date":"2023-12-31","value":61.09,"profit":true},{"date":"2024-12-31","value":85.95,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income Taxes | 51.65M | 52.23M | 36.31M | 54.22M | 64.94M | [{"date":"2021-12-31","value":79.54,"profit":true},{"date":"2022-12-31","value":80.43,"profit":true},{"date":"2023-12-31","value":55.91,"profit":true},{"date":"2024-12-31","value":83.5,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income After Taxes | 189.69M | 188.08M | 131.92M | 182.48M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.15,"profit":true},{"date":"2023-12-31","value":69.55,"profit":true},{"date":"2024-12-31","value":96.2,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 189.69M | 188.08M | 150.75M | 182.48M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":99.15,"profit":true},{"date":"2023-12-31","value":79.47,"profit":true},{"date":"2024-12-31","value":96.2,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 189.69M | 188.08M | 131.92M | 182.48M | 210.46M | [{"date":"2021-12-31","value":90.14,"profit":true},{"date":"2022-12-31","value":89.37,"profit":true},{"date":"2023-12-31","value":62.69,"profit":true},{"date":"2024-12-31","value":86.71,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| EPS (Diluted) | 3.49 | 3.58 | 3.35 | 3.43 | 4.02 | [{"date":"2021-12-31","value":86.82,"profit":true},{"date":"2022-12-31","value":89.05,"profit":true},{"date":"2023-12-31","value":83.33,"profit":true},{"date":"2024-12-31","value":85.32,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| CBU | |
|---|---|
| ROA (LTM) | 1.25% |
| ROE (LTM) | 11.17% |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| CBU | |
|---|---|
| Trailing PE | 16.71 |
| Forward PE | 15.77 |
| P/S (TTM) | 4.39 |
| P/B | 1.74 |
| Price/FCF | 42 |
| EV/R | 4.83 |
| EV/Ebitda | NM |
| PEG | 2.17 |
Community Bank System Inc (CBU) share price today is $65.085
Yes, Indians can buy shares of Community Bank System Inc (CBU) on Vested. To buy
Yes, you can purchase fractional shares of Community Bank System Inc (CBU) via the Vested app. You can start investing in Community Bank System Inc (CBU) with a minimum investment of $1.
You can invest in shares of Community Bank System Inc (CBU) via Vested in three simple steps:
The 52-week high price of Community Bank System Inc (CBU) is $67.5. The 52-week low price of Community Bank System Inc (CBU) is $48.28.
The price-to-earnings (P/E) ratio of Community Bank System Inc (CBU) is 16.7103
The price-to-book (P/B) ratio of Community Bank System Inc (CBU) is 1.74
The dividend yield of Community Bank System Inc (CBU) is 2.82%
The market capitalization of Community Bank System Inc (CBU) is $3.46B
The stock symbol (or ticker) of Community Bank System Inc is CBU
Consider the share price of Community Bank System Inc as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Community Bank System Inc has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in Community Bank System Inc shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Community Bank System Inc stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of Community Bank System Inc and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Community Bank System Inc stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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