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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 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 Dewitt, New York. more
| Time Frame | CBU | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -2.6% | -1% | -0.94% |
| 1-Month Return | -13.74% | -5.06% | -1.77% |
| 3-Month Return | -6.67% | -9.28% | -0.07% |
| 6-Month Return | -5.21% | -8.36% | 1.78% |
| 1-Year Return | -0.84% | 0.96% | 18.31% |
| 3-Year Return | 5.2% | 59.97% | 71.42% |
| 5-Year Return | -28.15% | 43.9% | 68.9% |
| 10-Year Return | 45.9% | 169.59% | 228.57% |
| 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 | 490.29M | [{"date":"2021-12-31","value":69.56,"profit":true},{"date":"2022-12-31","value":76.96,"profit":true},{"date":"2023-12-31","value":77.8,"profit":true},{"date":"2024-12-31","value":79.28,"profit":true},{"date":"2025-12-31","value":100,"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 | 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}] |
| Income From Continuous Operations | 189.69M | 188.08M | 150.75M | 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":71.63,"profit":true},{"date":"2024-12-31","value":86.71,"profit":true},{"date":"2025-12-31","value":100,"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 | 4.06 | [{"date":"2021-12-31","value":85.96,"profit":true},{"date":"2022-12-31","value":88.18,"profit":true},{"date":"2023-12-31","value":82.51,"profit":true},{"date":"2024-12-31","value":84.48,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| CBU | |
|---|---|
| Cash Ratio | 1.25 |
| Current Ratio | 1.49 |
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 liabilities, gauging the riskiness of the investment.
| CBU | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.88 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.12 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| CBU | |
|---|---|
| Trailing PE | 14.45 |
| Forward PE | 15.77 |
| P/S (TTM) | 3.80 |
| P/B | 1.51 |
| Price/FCF | 66 |
| EV/R | 4.26 |
| EV/Ebitda | NM |
| PEG | 2.62 |
Community Bank System Inc (CBU) share price today is $55.823
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 $66.95. The 52-week low price of Community Bank System Inc (CBU) is $47.88.
The price-to-earnings (P/E) ratio of Community Bank System Inc (CBU) is 14.4458
The price-to-book (P/B) ratio of Community Bank System Inc (CBU) is 1.51
The dividend yield of Community Bank System Inc (CBU) is 3.27%
The market capitalization of Community Bank System Inc (CBU) is $3.02B
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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