CBU
Community Bank System, Inc. NYSE Listed Nov 26, 1985$62.34
+1.80%
vs $61.24
Mkt Cap $3.5B
52w Low $51.46
71.1% of range
52w High $66.77
50d MA $63.14
200d MA $60.33
P/E (TTM)
15.7x
EV/EBITDA
11.5x
P/B
1.7x
Debt/Equity
0.4x
ROE
10.5%
P/FCF
15.0x
RSI (14)
45.30
ATR (14)
$1.61
Beta
0.78
50d MA
$63.14
200d MA
$60.33
Avg Volume
286.6K
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including 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 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; 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 provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. 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 advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
5790 Widewaters Parkway · Dewitt, NY 13214-1883 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 29, 2026 | BMO | 1.10 | 1.09 | -0.9% | 63.17 | +0.4% | -1.5% | +1.8% | +0.4% | -1.2% | +1.2% | — |
| Jan 27, 2026 | BMO | 1.13 | 1.07 | -5.3% | 61.77 | -1.6% | -0.5% | -0.6% | +2.2% | +0.1% | +2.0% | — |
| Oct 21, 2025 | BMO | 1.05 | 1.04 | -1.0% | 56.04 | +1.0% | +0.2% | +0.3% | +0.4% | +1.4% | -0.0% | — |
| Jul 22, 2025 | BMO | 1.03 | 0.97 | -5.8% | 57.92 | -0.7% | -3.7% | -0.7% | -1.7% | -0.3% | -0.1% | — |
| Apr 29, 2025 | BMO | 0.91 | 0.93 | +2.2% | 55.65 | -2.5% | -2.1% | +0.2% | +0.9% | +3.2% | -0.9% | — |
| Jan 21, 2025 | BMO | 0.88 | 0.94 | +6.8% | 63.26 | +1.2% | +3.3% | -0.7% | +0.2% | +1.0% | +1.0% | — |
| Oct 22, 2024 | BMO | 0.88 | 0.83 | -5.7% | 58.85 | -0.4% | -1.8% | +0.5% | +0.5% | -3.2% | +7.9% | — |
| Jul 23, 2024 | BMO | 0.81 | 0.91 | +12.3% | 59.38 | -1.3% | +3.5% | -2.1% | +4.1% | +0.4% | -3.3% | — |
| Apr 23, 2024 | BMO | 0.78 | 0.76 | -2.6% | 44.45 | -0.3% | +0.3% | +1.8% | -1.5% | -0.1% | -1.9% | — |
| Jan 23, 2024 | BMO | 0.84 | 0.76 | -9.5% | 50.63 | -1.0% | -3.1% | -1.4% | -0.7% | +1.4% | +1.3% | — |
| Oct 24, 2023 | BMO | 0.88 | 0.82 | -6.8% | 39.73 | -7.6% | -5.4% | +0.7% | +3.3% | -1.0% | +1.6% | — |
| Jul 31, 2023 | BMO | 0.85 | 0.91 | +7.1% | 52.59 | +2.2% | +2.4% | +2.5% | -0.6% | -0.9% | -0.8% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 30 | Piper Sandler | Maintains | Neutral → Neutral | — | $62.23 | $61.91 | -0.5% | +1.8% | +0.4% | -1.2% | +1.2% | +0.5% |
| Jan 13 | Janney Montgomery Scott | Downgrade | Buy → Neutral | — | $60.90 | $60.27 | -1.0% | -1.3% | +1.9% | +2.3% | -1.5% | -1.3% |
| Oct 23 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $56.34 | $56.14 | -0.4% | +0.4% | +1.4% | -0.0% | -0.0% | -2.4% |
| Jul 23 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $55.77 | $56.06 | +0.5% | -0.7% | -1.7% | -0.3% | -0.1% | -0.4% |
| Jan 22 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $65.33 | $64.71 | -0.9% | -0.7% | +0.2% | +1.0% | +1.0% | -1.4% |
| Dec 4 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $68.01 | $68.12 | +0.2% | +1.9% | -1.5% | +0.6% | -1.4% | +0.4% |
| Oct 28 | Raymond James | Upgrade | Market Perform → Strong Buy | — | $56.52 | $58.66 | +3.8% | +7.9% | -0.5% | +1.8% | -1.1% | +0.2% |
| Sep 10 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $57.44 | $57.55 | +0.2% | -0.3% | -1.6% | +0.5% | +1.8% | +0.7% |
| Mar 14 | DA Davidson | Maintains | Neutral → Neutral | — | $45.74 | $45.01 | -1.6% | -4.6% | +1.9% | -0.4% | -0.1% | +3.9% |
| Jan 5 | Raymond James | Maintains | Outperform → Outperform | — | $50.36 | $49.87 | -1.0% | +1.0% | +0.8% | -2.0% | +0.1% | -1.2% |
| Oct 25 | Raymond James | Maintains | Outperform → Outperform | — | $37.57 | $37.10 | -1.3% | +0.7% | +3.3% | -1.0% | +1.6% | +1.7% |
| Oct 25 | Piper Sandler | Maintains | Underweight → Underweight | — | $37.57 | $37.10 | -1.3% | +0.7% | +3.3% | -1.0% | +1.6% | +1.7% |
| Aug 1 | Raymond James | Maintains | Outperform → Outperform | — | $53.83 | $54.61 | +1.4% | +2.5% | -0.6% | -0.9% | -0.8% | +1.6% |
| Jun 28 | Hovde Group | Upgrade | Market Perform → Outperform | — | $47.70 | $48.90 | +2.5% | +0.8% | +1.0% | -3.5% | +3.5% | -2.6% |
| Jun 6 | Raymond James | Upgrade | Market Perform → Outperform | — | $51.12 | $52.18 | +2.1% | +4.5% | +2.8% | -1.0% | +0.2% | -6.8% |
| Apr 26 | Piper Sandler | Maintains | Underweight → Underweight | — | $46.15 | $45.53 | -1.3% | +0.8% | +5.0% | +2.3% | -2.4% | -2.6% |
| Apr 6 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $49.43 | $49.34 | -0.2% | -0.6% | +0.9% | -0.8% | -1.8% | +1.3% |
| Mar 14 | Janney Montgomery Scott | Maintains | Buy → Buy | — | $51.95 | $55.55 | +6.9% | +4.1% | -0.2% | +4.8% | -4.8% | +0.7% |
| Dec 21 | Raymond James | Maintains | Market Perform → Perform | — | $61.03 | $61.39 | +0.6% | +1.2% | -0.3% | +1.1% | +0.2% | -1.1% |
| May 2 | Piper Sandler | Downgrade | Neutral → Underweight | — | $64.40 | $63.15 | -1.9% | -2.0% | +1.8% | +4.2% | -2.4% | -1.1% |
| Sep 28 | Piper Sandler | Maintains | Neutral → Neutral | — | $53.31 | $53.92 | +1.1% | +2.1% | -1.0% | +1.1% | -0.2% | +1.4% |
| Apr 26 | DA Davidson | Maintains | Neutral → Neutral | — | $57.40 | $57.64 | +0.4% | -0.6% | +0.4% | -1.8% | +2.1% | +0.1% |
| Mar 28 | Hovde Group | Upgrade | Market Perform → Outperform | — | $52.72 | $53.72 | +1.9% | +1.8% | -0.2% | -1.8% | +1.1% | +2.1% |
| Mar 6 | DA Davidson | Maintains | Neutral → Neutral | — | $58.82 | $58.30 | -0.9% | -0.4% | -1.2% | -1.3% | +0.6% | -0.1% |
| Jan 12 | Piper Sandler | Downgrade | Hold → Sell | — | $60.49 | $59.78 | -1.2% | -3.3% | +1.1% | -2.9% | -0.1% | -0.2% |
| Jan 12 | Sandler O'Neill | Downgrade | Hold → Sell | — | $60.49 | $59.78 | -1.2% | -3.3% | +1.1% | -2.9% | -0.1% | -0.2% |
| Jul 22 | Sandler O'Neill | Downgrade | Buy → Hold | — | $43.54 | $42.91 | -1.4% | +1.0% | -1.0% | +1.2% | +0.7% | -0.1% |
| Jul 22 | Piper Sandler | Downgrade | Buy → Hold | — | $43.54 | $42.91 | -1.4% | +1.0% | -1.0% | +1.2% | +0.7% | -0.1% |
| Jan 22 | Piper Sandler | Upgrade | Hold → Buy | — | $35.05 | $35.64 | +1.7% | +1.2% | -2.8% | +2.4% | +0.9% | +1.9% |
| Jan 22 | Sandler O'Neill | Upgrade | Hold → Buy | — | $35.05 | $35.64 | +1.7% | +1.2% | -2.8% | +2.4% | +0.9% | +1.9% |
| Jan 7 | Piper Sandler | Maintains | Neutral → Neutral | — | $38.96 | $38.17 | -2.0% | -3.0% | -1.1% | +0.8% | +0.3% | -4.3% |
| Jul 21 | Keefe, Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $39.64 | $39.73 | +0.2% | -0.5% | +0.9% | -2.3% | -1.3% | -0.4% |
| Jul 21 | Keefe Bruyette & Woods | Maintains | Market Perform → Market Perform | — | $39.64 | $39.73 | +0.2% | -0.5% | +0.9% | -2.3% | -1.3% | -0.4% |
| Apr 21 | Raymond James | Maintains | Market Perform → Perform | — | $35.64 | $35.74 | +0.3% | -0.4% | +0.7% | +0.4% | -1.9% | -0.2% |
| Mar 18 | Sterne Agee | Maintains | Neutral → Neutral | — | $38.17 | $38.12 | -0.1% | -0.2% | -0.1% | +2.9% | +0.6% | -0.1% |
| Jul 25 | Raymond James | Downgrade | Strong Buy → Outperform | — | $33.27 | $32.74 | -1.6% | +0.6% | -0.9% | -0.3% | +0.8% | +0.6% |
| Apr 24 | Boenning & Scattergood | Downgrade | Outperform → Neutral | — | $28.98 | $28.40 | -2.0% | -0.7% | -0.1% | -0.6% | +0.7% | -0.4% |
| Apr 10 | Guggenheim | Maintains | Neutral → Neutral | — | $28.06 | $28.12 | +0.2% | -1.4% | +1.3% | +1.2% | -2.4% | +1.1% |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| Jun 8, 2026 | STICKELS ERICDir | — | Sell | 2,000 | $63.98 | $128K | 31,592 | +0.66% | -2.95% |
8-K · 8.01
!! High
Community Bank System, Inc. -- 8-K 8.01: Material Event / Announcement
Community Bank System (CBU) completed its acquisition of ClearPoint Federal Bank Trust on June 1, 2026, expanding its banking operations through the merger agreement finalized in January 2026.
Jun 1
8-K · 7.01
! Medium
Community Bank System, Inc. -- 8-K 7.01: Regulation FD Disclosure
May 13
8-K
Community Financial System, Inc. -- 8-K Filing
Community Financial System, Inc. (CBU) announced executive leadership updates with Marya Burgio Wlos appointed as Executive Vice President and Chief Financial Officer, effective April 29, 2026.
Apr 29
8-K · 7.01
! Medium
Community Financial System, Inc. -- 8-K 7.01: Regulation FD Disclosure
Community Financial System, Inc. posted an investor presentation to its website on February 11, 2026, signaling preparation for upcoming investor and analyst meetings.
Feb 11
8-K · 5.02
!!! Very High
Community Financial System, Inc. -- 8-K 5.02: Executive Change
Community Financial System appointed Brenda M. Hall as an independent director, strengthening board governance and potentially enhancing oversight capabilities for shareholders.
Feb 11
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Morgan Stanley | 4,010,872 | $230M | Reduced | Dec 2025 |
| 2 | Neuberger Berman Group Llc | 3,715,425 | $218M | Reduced | Mar 2026 |
| 3 | Vanguard Portfolio Management Llc | 3,525,760 | $207M | New | Mar 2026 |
| 4 | Fmr Llc | 3,026,372 | $177M | Added | Mar 2026 |
| 5 | Vanguard Capital Management Llc | 2,374,139 | $139M | New | Mar 2026 |
| 6 | Northern Trust Corp | 620,512 | $36M | Added | Mar 2026 |
| 7 | Bank Of America Corp /de/ | 598,786 | $35M | Reduced | Mar 2026 |
| 8 | Bank Of New York Mellon Corp | 530,902 | $31M | Reduced | Mar 2026 |
| 9 | Deprince Race & Zollo Inc | 530,874 | $31M | Added | Mar 2026 |
| 10 | Riggs Asset Managment Co. Inc. | 417,156 | $24M | Added | Mar 2026 |
| 11 | Segall Bryant & Hamill, Llc | 353,150 | $21M | New | Mar 2026 |
| 12 | Principal Financial Group Inc | 251,187 | $14M | Reduced | Dec 2025 |
| 13 | Victory Capital Management Inc | 154,285 | $9M | Added | Mar 2026 |
| 14 | Ubs Group Ag | 152,156 | $9M | Reduced | Mar 2026 |
| 15 | Invesco Ltd. | 146,712 | $9M | Added | Mar 2026 |
| 16 | Nuveen, Llc | 131,485 | $8M | Reduced | Mar 2026 |
| 17 | Waldron Private Wealth Llc | 122,053 | $7M | Reduced | Mar 2026 |
| 18 | Sg Americas Securities, Llc | 121,256 | $7M | Reduced | Mar 2026 |
| 19 | Proshare Advisors Llc | 113,479 | $7M | Added | Mar 2026 |
| 20 | Jpmorgan Chase & Co | 113,522 | $7M | Added | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$3.49B
Enterprise Value
$3.65B
P/E (TTM)
15.66x
Forward P/E
13.24x
PEG Ratio
0.97x
P/B
1.74x
P/S
3.76x
P/FCF
14.98x
EV/EBITDA
11.51x
Shares Out
56.1M
Financials (TTM)
Revenue
$928.7M
Net Income
$210.5M
EBITDA
$317.2M
Free Cash Flow
$233.3M
Op Cash Flow
$301.9M
EPS Basic
$3.98
EPS Diluted
$3.98
EPS Forward
$4.71
Gross Margin
73.4%
Op Margin
31.4%
Net Margin
22.7%
Balance Sheet
Total Assets
$17.41B
Total Liab.
$15.41B
Total Equity
$2.01B
Cash
$301.8M
LT Debt
$458.8M
Book Value/Sh
$35.79
Debt/Equity
0.37x
Current Ratio
1.49
Quick Ratio
1.49
Returns & Growth
ROE
10.5%
ROA
1.2%
ROIC
1.3%
Rev Growth YoY
-1.3%
EPS Growth YoY
+15.7%
Price Returns
2W
+2.3%
1M
+0.4%
3M
+5.1%
6M
+12.1%
12M
+13.2%
Technicals
52W High
$66.77
52W Low
$51.46
50d MA
$63.14
200d MA
$60.33
RSI (14)
45.30
ATR (14)
$1.61
Beta
0.78
Avg Volume
287K
Dividends
Div Rate
$1.74
Div Yield
2.7%
Frequency
4
Ex-Div Date
Jun 15, 2026
Analyst Price Targets
Consensus
$68.50
High
$75.00
Low
$62.00
Median
$68.50
Data updated apr 25, 2026 12:10am
· Source: financialmodelingprep.com