Financial Services
Community Bank System, Inc.(CBU)
Live Price
Offline$62.34
+1.80% today
1Y Change
+15.65%
Window
Jun 25, 2025 โ Jun 23, 2026
- Market Cap
- $3.34B
- Revenue Growth
- +7.5%
- EPS Growth
- +15.7%
- Dividend Yield
- 2.9%
Coverage: 249 bars ยท Jun 25, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Community Bank System, Inc. (CBU) is a Financial Services stock with a market cap of $3.34B and listed on NYSE. The stock last traded around $62.34 and up 15.7% across the available one-year price window (Jun 25, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +7.5%, EPS growth of +15.7%, a dividend yield of 2.9%. What stands out right now is revenue +7.5%, EPS +15.7%, free cash flow +5.3% with operating margin 27.9% and ROIC 1.2%. The dividend matters to the case here, with a current yield around 2.9%. Valuation is more restrained than many high-expectation growth names at P/E 15.5 and price/sales 3.3. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CBU price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+7.5% vs +3.4% peer median
Operating Margin
Above sector median
+27.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 29, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +7.5% and EPS at +15.7%, with operating margin around 27.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.9%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +3.2% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 29, 2026 | โ | +1.8% | +2.7% | +3.3% |
2026 Jan 27, 2026 | -5.3% | -0.6% | +4.8% | +3.5% |
2025 Oct 21, 2025 | -0.9% | +0.3% | +2.1% | -4.5% |
Benchmark Edge
CBU vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CBU
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CBU Max Drawdown
-16.71%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CBU and SPY.
Company Overview
Community Bank System, Inc.
NYSE
Community Bank System, Inc. is a financial holding company providing a wide range of banking and financial services. The company's primary function is to deliver traditional retail and commercial banking services through its subsidiary, Community Bank, N.A. This includes offering deposit, loan, and treasury management services to individuals, businesses, and municipal clients. Community Bank System, Inc. is especially notable for its footprint in Northeastern U.S., with a significant presence in New York and Pennsylvania. Additionally, the company extends its services to personal mortgages, business lending, and wealth management through various subsidiaries. Community Bank System, Inc. also provides insurance and employee benefits consulting services, further broadening its impact on diverse financial sectors. Established entities and customers benefit from its comprehensive financial solutions and community-focused approach. With its expansive network and deep-rooted regional operations, Community Bank System, Inc. plays a critical role in supporting economic activities and financial growth in its operating regions.
- Leadership
- Mr. Dimitar A. Karaivanov
- Employees
- 2.9k
- Street Address
- 333 Butternut Drive
- Mailing
- Syracuse, NY, 13214-2141
- Region
- Syracuse, NY, United States
- Last Updated
- May 7, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 15.5
- EV/EBITDA
- 11.1
- Price/Sales
- 3.3
- Price/Book
- 1.7
Growth
- Revenue
- +7.5%
- EPS
- +15.7%
- Free Cash Flow
- +5.3%
Profitability
- Gross Margin
- 79.4%
- Operating Margin
- 27.9%
- Net Margin
- 21.3%
- ROE
- 11.1%
- ROIC
- 1.2%
Balance Sheet
- Debt/Equity
- 0.32
- Current Ratio
- 2.85
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.