CBU

Community Bank System, Inc. NYSE

Financial Services ·Banks - Regional ·US · cbna.com

$62.86

Mkt Cap $3.3B

52w Low $51.12 71.7% of range 52w High $67.50

50d MA $60.42 200d MA $59.21

P/E (TTM) 16.0x

EV/EBITDA 11.6x

P/B 1.8x

Debt/Equity 0.4x

ROE 10.5%

P/FCF 13.8x

RSI (14) —

ATR (14) —

Beta 0.78

50d MA $60.42

200d MA $59.21

Avg Volume 243.6K

About

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 … 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.

Recent Earnings

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%	+0.3%	+0.7%	-0.5%	—	—
Jan 27, 2026	BMO	1.13	1.07	-5.3%	61.77	-1.6%	-0.5%	-1.1%	+1.1%	+1.2%	+3.2%	—
Oct 21, 2025	BMO	1.05	1.04	-1.0%	56.04	+1.0%	+0.2%	+0.5%	+1.0%	+2.4%	+2.4%	—
Jul 22, 2025	BMO	1.03	0.97	-5.8%	57.92	-0.7%	-3.7%	-4.4%	-6.0%	-6.3%	-6.4%	—
Apr 29, 2025	BMO	0.91	0.93	+2.2%	55.65	-2.5%	-2.1%	-1.9%	-1.0%	+2.2%	+1.3%	—
Jan 21, 2025	BMO	0.88	0.94	+6.8%	63.26	+1.2%	+3.3%	+2.5%	+2.7%	+3.8%	+4.8%	—
Oct 22, 2024	BMO	0.88	0.83	-5.7%	58.85	-0.4%	-1.8%	-1.2%	-0.7%	-4.0%	+3.7%	—
Jul 23, 2024	BMO	0.81	0.91	+12.3%	59.38	-1.3%	+3.5%	+1.3%	+5.4%	+5.8%	+2.3%	—
Apr 23, 2024	BMO	0.78	0.76	-2.6%	44.45	-0.3%	+0.3%	+2.0%	+0.5%	+0.4%	-1.5%	—
Jan 23, 2024	BMO	0.84	0.76	-9.5%	50.63	-1.0%	-3.1%	-4.5%	-5.2%	-3.9%	-2.7%	—
Oct 24, 2023	BMO	0.88	0.82	-6.8%	39.73	-7.6%	-5.4%	-4.8%	-1.7%	-2.7%	-1.2%	—
Jul 31, 2023	BMO	0.85	0.91	+7.1%	52.59	+2.2%	+2.4%	+4.9%	+4.2%	+3.3%	+2.4%	—

Recent Analyst Ratings

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%	+2.2%	—	—	—
Jan 13	Janney Montgomery Scott	Downgrade	Buy → Neutral	—	$60.90	$60.27	-1.0%	-1.3%	+0.6%	+3.0%	+1.4%	+0.1%
Oct 23	Keefe, Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$56.34	$56.14	-0.4%	+0.4%	+1.9%	+1.8%	+1.8%	-0.7%
Jul 23	Keefe, Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$55.77	$56.06	+0.5%	-0.7%	-2.3%	-2.7%	-2.8%	-3.2%
Jan 22	Keefe, Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$65.33	$64.71	-0.9%	-0.7%	-0.5%	+0.5%	+1.5%	+0.0%
Dec 4	Keefe, Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$68.01	$68.12	+0.2%	+1.9%	+0.4%	+1.0%	-0.5%	-0.1%
Oct 28	Raymond James	Upgrade	Market Perform → Strong Buy	—	$56.52	$58.66	+3.8%	+7.9%	+7.4%	+9.4%	+8.2%	+8.4%
Sep 10	Keefe, Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$57.44	$57.55	+0.2%	-0.3%	-1.9%	-1.5%	+0.3%	+0.9%
Mar 14	DA Davidson	Maintains	Neutral → Neutral	—	$45.74	$45.01	-1.6%	-4.6%	-2.7%	-3.1%	-3.2%	+0.5%
Jan 5	Raymond James	Maintains	Outperform → Outperform	—	$50.36	$49.87	-1.0%	+1.0%	+1.8%	-0.3%	-0.2%	-1.4%
Oct 25	Piper Sandler	Maintains	Underweight → Underweight	—	$37.57	$37.10	-1.3%	+0.7%	+3.9%	+2.9%	+4.5%	+6.3%
Oct 25	Raymond James	Maintains	Outperform → Outperform	—	$37.57	$37.10	-1.3%	+0.7%	+3.9%	+2.9%	+4.5%	+6.3%
Aug 1	Raymond James	Maintains	Outperform → Outperform	—	$53.83	$54.61	+1.4%	+2.5%	+1.8%	+0.9%	+0.1%	+1.6%
Jun 28	Hovde Group	Upgrade	Market Perform → Outperform	—	$47.70	$48.90	+2.5%	+0.8%	+1.8%	-1.7%	+1.7%	-1.0%
Jun 6	Raymond James	Upgrade	Market Perform → Outperform	—	$51.12	$52.18	+2.1%	+4.5%	+7.4%	+6.3%	+6.5%	-0.7%
Apr 26	Piper Sandler	Maintains	Underweight → Underweight	—	$46.15	$45.53	-1.3%	+0.8%	+5.8%	+8.3%	+5.7%	+2.9%
Apr 6	Keefe, Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$49.43	$49.34	-0.2%	-0.6%	+0.4%	-0.4%	-2.3%	-1.1%
Mar 14	Janney Montgomery Scott	Maintains	Buy → Buy	—	$51.95	$55.55	+6.9%	+4.1%	+3.9%	+8.9%	+3.6%	+4.4%
Dec 21	Raymond James	Maintains	Market Perform → Perform	—	$61.03	$61.39	+0.6%	+1.2%	+1.0%	+2.0%	+2.3%	+1.1%
May 2	Piper Sandler	Downgrade	Neutral → Underweight	—	$64.40	$63.15	-1.9%	-2.0%	-0.2%	+4.0%	+1.5%	+0.4%
Sep 28	Piper Sandler	Maintains	Neutral → Neutral	—	$53.31	$53.92	+1.1%	+2.1%	+1.1%	+2.2%	+2.0%	+3.4%
Apr 26	DA Davidson	Maintains	Neutral → Neutral	—	$57.40	$57.64	+0.4%	-0.6%	-0.2%	-2.0%	+0.0%	+0.1%
Mar 28	Hovde Group	Upgrade	Market Perform → Outperform	—	$52.72	$53.72	+1.9%	+1.8%	+1.6%	-0.2%	+0.9%	+3.0%
Mar 6	DA Davidson	Maintains	Neutral → Neutral	—	$58.82	$58.30	-0.9%	-0.4%	-1.6%	-2.9%	-2.3%	-2.4%
Jan 12	Sandler O'Neill	Downgrade	Hold → Sell	—	$60.49	$59.78	-1.2%	-3.3%	-2.2%	-5.1%	-5.2%	-5.4%
Jan 12	Piper Sandler	Downgrade	Hold → Sell	—	$60.49	$59.78	-1.2%	-3.3%	-2.2%	-5.1%	-5.2%	-5.4%
Jul 22	Piper Sandler	Downgrade	Buy → Hold	—	$43.54	$42.91	-1.4%	+1.0%	-0.0%	+1.2%	+1.8%	+1.8%
Jul 22	Sandler O'Neill	Downgrade	Buy → Hold	—	$43.54	$42.91	-1.4%	+1.0%	-0.0%	+1.2%	+1.8%	+1.8%
Jan 22	Piper Sandler	Upgrade	Hold → Buy	—	$35.05	$35.64	+1.7%	+1.2%	-1.7%	+0.7%	+1.6%	+3.6%
Jan 22	Sandler O'Neill	Upgrade	Hold → Buy	—	$35.05	$35.64	+1.7%	+1.2%	-1.7%	+0.7%	+1.6%	+3.6%
Jan 7	PiperJaffray	Maintains	Neutral → Neutral	—	$38.96	$38.17	-2.0%	-3.0%	-4.0%	-3.3%	-2.9%	-7.1%
Jul 21	Keefe, Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$39.64	$39.73	+0.2%	-0.5%	+0.4%	-1.9%	-3.2%	-3.6%
Jul 21	Keefe Bruyette & Woods	Maintains	Market Perform → Market Perform	—	$39.64	$39.73	+0.2%	-0.5%	+0.4%	-1.9%	-3.2%	-3.6%
Apr 21	Raymond James	Maintains	Market Perform → Perform	—	$35.64	$35.74	+0.3%	-0.4%	+0.3%	+0.7%	-1.2%	-1.4%
Mar 18	Sterne Agee	Maintains	Neutral → Neutral	—	$38.17	$38.12	-0.1%	-0.2%	-0.2%	+2.7%	+3.3%	+3.2%
Jul 25	Raymond James	Downgrade	Strong Buy → Outperform	—	$33.27	$32.74	-1.6%	+0.6%	-0.3%	-0.6%	+0.2%	+0.8%
Apr 24	Boenning & Scattergood	Downgrade	Outperform → Neutral	—	$28.98	$28.40	-2.0%	-0.7%	-0.8%	-1.4%	-0.8%	-1.2%
Apr 10	Guggenheim	Maintains	Neutral → Neutral	—	$28.06	$28.12	+0.2%	-1.4%	-0.1%	+1.1%	-1.3%	-0.2%

Recent Filings

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

Data updated apr 25, 2026 12:10am · Source: massive.com