CBU
NYSE
US
Community Financial System, Inc. Common Stock
$62.48
▲ +$0.82
(+1.32%)
Vol 14K
Mkt Cap
$3.2B
P/E
15.4
ROE
11.0%
Margin
23.2%
Beta
0.81
Div Yield
3.05%
52W
$51–$68
Wall Street Consensus
10 analysts · Apr 20262
Strong Buy
2
Buy
6
Hold
0
Sell
0
Strong Sell
40.0%
Buy Rating
Price Chart
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Earnings
Beat rate: 25.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $1.14 | $1.03 | $-0.11 |
| Sep 2025 | $1.06 | $1.04 | $-0.02 |
| Jun 2025 | $1.02 | $0.97 | $-0.05 |
| Mar 2025 | $0.92 | $0.93 | +$0.01 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $196.3M | $196.2M | $199.3M | $207.1M | $215.7M |
| Net Income | — | $49.8M | $49.6M | $51.3M | $55.1M | $54.4M |
Fundamentals Trend
| Metric | 2026-04-12 | 2026-04-17 |
|---|---|---|
| ROE (TTM) | 11.0% | 11.0% |
| P/E (TTM) | 15.65 | 15.36 |
| Net Margin | 23.2% | 23.2% |
| Gross Margin | — | — |
| D/E Ratio | — | — |
| Current Ratio | — | — |
Key Ratios
ROA (TTM)
1.2%
P/S (TTM)
3.67
P/B
1.5
EPS (TTM)
$3.98
CF/Share
$3.34
Rev Growth 3Y
+4.8%
52W High
$67.50
52W Low
$51.12
$51.12
52-Week Range
$67.50
Financial Health
Free Cash Flow
$61.6M
Net Debt
$171.8M
Cash
$287.0M
Total Debt
$458.8M
As of Dec 31, 2025
How does CBU compare to Banking peers?
Peer group: Peers · Banking (Peers) · 11 companies
CBU valuation vs Banking peers
P/E ratio
15.7
▲
3%
above
peers
(15.3)
vs Peers
vs Industry
Fair value
P/S ratio
3.7
▲
41%
above
peers
(2.6)
vs Peers
vs Industry
Overvalued
P/B ratio
1.5
▲
37%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
3.0%
▲
0%
above
peers
(3.0%)
vs Peers
vs Industry
In line
CBU profitability vs Banking peers
ROE
11.0%
▲
35%
above
peers
(8.2%)
vs Peers
vs Industry
Top tier
Net margin
23.2%
▼
8%
below
peers
(25.3%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.2%
▲
43%
above
peers
(0.9%)
vs Peers
vs Industry
Top tier
CBU financial health vs Banking peers
D/E ratio
—
▼
0%
below
peers
(9.2)
vs Peers
vs Industry
In line
Current ratio
—
—
vs Peers
vs Industry
Low liquidity
Beta
0.8
▼
1%
below
peers
(0.8)
vs Peers
vs Industry
Less volatile
CBU fundamentals radar
CBU
Peer median
Industry
CBU profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CBU vs peers: key metrics
Dividends
$1.87
/ year
Mar 16, 2026
$0.4700
Dec 12, 2025
$0.4700
Sep 12, 2025
$0.4700
Jun 13, 2025
$0.4600
Mar 14, 2025
$0.4600
Dec 13, 2024
$0.4600
Sep 13, 2024
$0.4600
Jun 14, 2024
$0.4500