_id

690f3c16ccc777a4e85d1a0b

Ticker

CBU

Name

Community Bank System Inc

Exchange

NYSE

Address

5790 Widewaters Parkway, Dewitt, NY, United States, 13214-1883

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://communityfinancialsystem.com

Description

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.

Last Close

60.23

Volume

175322

Current Price

60.03

Change

-0.33206043499916277

Last Updated

2025-11-29T11:12:48.039Z

Image

-

Ipo Date

1985-11-27T00:00:00.000Z

Market Cap

3000167680

Next Dividend Date

2026-01-12T00:00:00.000Z

Dividend Frequency

Quarterly

Dividend Rate

0.47

Dividend Yield

3.1317674496085286

Sentiment

0.979888888888889

Sentiment Sources

9

Rating

3.6667

Target Price

68.6667

Strong Buy

2

Buy

0

Hold

4

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

256170000

Cost Of Revenue

54682000

Gross Profit

201488000

Operating Expenses

128319000

Operating Income

73169000

Interest Expense

49118000

Pretax Income

73169000

Net Income

55088000

Eps

1.038690700656158

Dividends Per Share

-24314000

Shares Outstanding

52661489

Income Tax Expense

18081000

EBITDA

80489000

Operating Margin

28.562673224811647

Total Other Income Expense Net

-

Cash

230487000

Short Term Investments

2540139000

Receivables

54526000

Inventories

-

Total Current Assets

-

Property Plant Equipment

212667000

Total Assets

16957804000

Payables

-

Short Term Debt

-

Long Term Debt

471280000

Total Liabilities

15018854000

Equity

1938950000

Depreciation

7320000

Change In Working Capital

28638000

Cash From Operations

101087000

Capital Expenditures

17662000

Cash From Investing

-

Cash From Financing

188732000

Net Change In Cash

7999000

PE

14.6289

PB

1.6419975141184664

ROE

2.8411253513499575

ROA

0.3248533831385243

FCF

83425000

Fcf Percent

0.32566264589920757

Piotroski FScore

4

Health Score

54

Deep Value Investing Score

5

Defensive Investing Score

5.5

Dividend Investing Score

5.5

Economic Moat Investing Score

7.8

Garp Investing Score

4

Growth Investing Score

3.5

Momentum Investing Score

4

Net Net Investing Score

4

Quality Investing Score

5.5

Value Investing Score

5.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

256170000

Quarters > 0 > income Statement > cost Of Revenue

54682000

Quarters > 0 > income Statement > gross Profit

201488000

Quarters > 0 > income Statement > operating Expenses

128319000

Quarters > 0 > income Statement > operating Income

73169000

Quarters > 0 > income Statement > interest Expense

49118000

Quarters > 0 > income Statement > pretax Income

73169000

Quarters > 0 > income Statement > net Income

55088000

Quarters > 0 > income Statement > eps

1.038690700656158

Quarters > 0 > income Statement > dividends Per Share

-24314000

Quarters > 0 > income Statement > shares Outstanding

53036000

Quarters > 0 > income Statement > income Tax Expense

18081000

Quarters > 0 > income Statement > EBITDA

80489000

Quarters > 0 > income Statement > operating Margin

28.562673224811647

Quarters > 0 > income Statement > total Other Income Expense Net

-

Quarters > 0 > balance Sheet > cash

230487000

Quarters > 0 > balance Sheet > short Term Investments

2540139000

Quarters > 0 > balance Sheet > receivables

54526000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

-

Quarters > 0 > balance Sheet > property Plant Equipment

212667000

Quarters > 0 > balance Sheet > total Assets

16957804000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

471280000

Quarters > 0 > balance Sheet > total Liabilities

15018854000

Quarters > 0 > balance Sheet > equity

1938950000

Quarters > 0 > cash Flow > net Income

55088000

Quarters > 0 > cash Flow > depreciation

7320000

Quarters > 0 > cash Flow > change In Working Capital

28638000

Quarters > 0 > cash Flow > cash From Operations

101087000

Quarters > 0 > cash Flow > capital Expenditures

17662000

Quarters > 0 > cash Flow > cash From Investing

-

Quarters > 0 > cash Flow > cash From Financing

188732000

Quarters > 0 > cash Flow > net Change In Cash

7999000

Quarters > 0 > ratios > PE

1.038690700656158

Quarters > 0 > ratios > PB

1.6419975141184664

Quarters > 0 > ratios > ROE

2.8411253513499575

Quarters > 0 > ratios > ROA

0.3248533831385243

Quarters > 0 > ratios > FCF

83425000

Quarters > 0 > ratios > Piotroski FScore

4

Quarters > 0 > ratios > fcf Percent

0.32566264589920757

Quarters > 0 > health Score

54

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

247386000

Quarters > 1 > income Statement > cost Of Revenue

52247000

Quarters > 1 > income Statement > gross Profit

195139000

Quarters > 1 > income Statement > operating Expenses

129102000

Quarters > 1 > income Statement > operating Income

66037000

Quarters > 1 > income Statement > interest Expense

48130000

Quarters > 1 > income Statement > pretax Income

66037000

Quarters > 1 > income Statement > net Income

51331000

Quarters > 1 > income Statement > eps

0.9663761131087976

Quarters > 1 > income Statement > dividends Per Share

-24244000

Quarters > 1 > income Statement > shares Outstanding

53117000

Quarters > 1 > income Statement > income Tax Expense

14706000

Quarters > 1 > income Statement > EBITDA

73255000

Quarters > 1 > income Statement > operating Margin

26.69391153905233

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

231178000

Quarters > 1 > balance Sheet > short Term Investments

2458612000

Quarters > 1 > balance Sheet > receivables

57583000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

2747373000

Quarters > 1 > balance Sheet > property Plant Equipment

201101000

Quarters > 1 > balance Sheet > total Assets

16665018000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

311021000

Quarters > 1 > balance Sheet > long Term Debt

583439000

Quarters > 1 > balance Sheet > total Liabilities

14781927000

Quarters > 1 > balance Sheet > equity

1883091000

Quarters > 1 > cash Flow > net Income

51331000

Quarters > 1 > cash Flow > depreciation

7218000

Quarters > 1 > cash Flow > change In Working Capital

-13611000

Quarters > 1 > cash Flow > cash From Operations

53688000

Quarters > 1 > cash Flow > capital Expenditures

17303000

Quarters > 1 > cash Flow > cash From Investing

-153662000

Quarters > 1 > cash Flow > cash From Financing

-180799000

Quarters > 1 > cash Flow > net Change In Cash

-280773000

Quarters > 1 > ratios > PE

0.9663761131087976

Quarters > 1 > ratios > PB

1.693286999937868

Quarters > 1 > ratios > ROE

2.725890570344184

Quarters > 1 > ratios > ROA

0.3080164689891124

Quarters > 1 > ratios > FCF

36385000

Quarters > 1 > ratios > Piotroski FScore

4

Quarters > 1 > ratios > fcf Percent

0.14707784595732984

Quarters > 1 > health Score

49

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

243683000

Quarters > 2 > income Statement > cost Of Revenue

54125000

Quarters > 2 > income Statement > gross Profit

189558000

Quarters > 2 > income Statement > operating Expenses

125290000

Quarters > 2 > income Statement > operating Income

64268000

Quarters > 2 > income Statement > interest Expense

47435000

Quarters > 2 > income Statement > pretax Income

64268000

Quarters > 2 > income Statement > net Income

49614000

Quarters > 2 > income Statement > eps

0.9399973475303613

Quarters > 2 > income Statement > dividends Per Share

-24268000

Quarters > 2 > income Statement > shares Outstanding

52781000

Quarters > 2 > income Statement > income Tax Expense

14654000

Quarters > 2 > income Statement > EBITDA

71588000

Quarters > 2 > income Statement > operating Margin

26.37360833541938

Quarters > 2 > income Statement > total Other Income Expense Net

49000

Quarters > 2 > balance Sheet > cash

512911000

Quarters > 2 > balance Sheet > short Term Investments

321360000

Quarters > 2 > balance Sheet > receivables

53535000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

887806000

Quarters > 2 > balance Sheet > property Plant Equipment

189762000

Quarters > 2 > balance Sheet > total Assets

16764296000

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

266581000

Quarters > 2 > balance Sheet > long Term Debt

595455000

Quarters > 2 > balance Sheet > total Liabilities

14930221000

Quarters > 2 > balance Sheet > equity

1834075000

Quarters > 2 > cash Flow > net Income

49614000

Quarters > 2 > cash Flow > depreciation

7320000

Quarters > 2 > cash Flow > change In Working Capital

-5830000

Quarters > 2 > cash Flow > cash From Operations

62509000

Quarters > 2 > cash Flow > capital Expenditures

10555000

Quarters > 2 > cash Flow > cash From Investing

-30311000

Quarters > 2 > cash Flow > cash From Financing

288819000

Quarters > 2 > cash Flow > net Change In Cash

321017000

Quarters > 2 > ratios > PE

0.9399973475303613

Quarters > 2 > ratios > PB

1.7275430012404074

Quarters > 2 > ratios > ROE

2.705123836266238

Quarters > 2 > ratios > ROA

0.2959503936222553

Quarters > 2 > ratios > FCF

51954000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.2132032189360768

Quarters > 2 > health Score

54

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

246245000

Quarters > 3 > income Statement > cost Of Revenue

56166000

Quarters > 3 > income Statement > gross Profit

190079000

Quarters > 3 > income Statement > operating Expenses

125539000

Quarters > 3 > income Statement > operating Income

64540000

Quarters > 3 > income Statement > interest Expense

49958000

Quarters > 3 > income Statement > pretax Income

64540000

Quarters > 3 > income Statement > net Income

49793000

Quarters > 3 > income Statement > eps

0.9381099513922906

Quarters > 3 > income Statement > dividends Per Share

-24169000

Quarters > 3 > income Statement > shares Outstanding

53078000

Quarters > 3 > income Statement > income Tax Expense

14747000

Quarters > 3 > income Statement > EBITDA

71731000

Quarters > 3 > income Statement > operating Margin

26.209669231862577

Quarters > 3 > income Statement > total Other Income Expense Net

186229000

Quarters > 3 > balance Sheet > cash

191894000

Quarters > 3 > balance Sheet > short Term Investments

317069000

Quarters > 3 > balance Sheet > receivables

54340000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

563303000

Quarters > 3 > balance Sheet > property Plant Equipment

183759000

Quarters > 3 > balance Sheet > total Assets

16386044000

Quarters > 3 > balance Sheet > payables

-

Quarters > 3 > balance Sheet > short Term Debt

379553000

Quarters > 3 > balance Sheet > long Term Debt

619312000

Quarters > 3 > balance Sheet > total Liabilities

14623209000

Quarters > 3 > balance Sheet > equity

1762835000

Quarters > 3 > cash Flow > net Income

49793000

Quarters > 3 > cash Flow > depreciation

7191000

Quarters > 3 > cash Flow > change In Working Capital

-1666000

Quarters > 3 > cash Flow > cash From Operations

65738000

Quarters > 3 > cash Flow > capital Expenditures

7202000

Quarters > 3 > cash Flow > cash From Investing

-210631000

Quarters > 3 > cash Flow > cash From Financing

-4213000

Quarters > 3 > cash Flow > net Change In Cash

-149106000

Quarters > 3 > ratios > PE

0.9381099513922906

Quarters > 3 > ratios > PB

1.8074705460238762

Quarters > 3 > ratios > ROE

2.8245978778501675

Quarters > 3 > ratios > ROA

0.3038744433982968

Quarters > 3 > ratios > FCF

58536000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.23771447135982457

Quarters > 3 > health Score

54

Valuation > metrics > PE

14.6289

Valuation > metrics > PB

1.6419975141184664

Valuation > final Score

100

Valuation > verdict

Fair

Profitability > metrics > ROE

2.8411253513499575

Profitability > metrics > Net Margin

0.21504469688097747

Profitability > final Score

51

Profitability > verdict

Weak

Risk > metrics > Debt Equity

7.745869671729545

Risk > metrics > Interest Coverage

1.489657559346879

Risk > final Score

12

Risk > verdict

High

Liquidity > final Score

50

Liquidity > verdict

Weak

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

41

Prev Profitabilities > 1

52

Prev Profitabilities > 2

62

Prev Risks > 0

11

Prev Risks > 1

11

Prev Risks > 2

11

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

87

Updated At

2025-12-14T00:19:06.389Z