Community Financial System, Inc. (CBU)

CBU Statistics

Total Valuation

CBU has a market cap or net worth of $2.92 billion. The enterprise value is $3.44 billion.

Market Cap	2.92B
Enterprise Value	3.44B

Important Dates

The last earnings date was Tuesday, October 21, 2025, before market open.

Earnings Date	Oct 21, 2025
Ex-Dividend Date	Dec 12, 2025

Share Statistics

CBU has 52.66 million shares outstanding. The number of shares has decreased by -0.33% in one year.

Current Share Class	52.66M
Shares Outstanding	52.66M
Shares Change (YoY)	-0.33%
Shares Change (QoQ)	+0.32%
Owned by Insiders (%)	0.83%
Owned by Institutions (%)	75.29%
Float	52.20M

Valuation Ratios

The trailing PE ratio is 14.29 and the forward PE ratio is 11.92.

PE Ratio	14.29
Forward PE	11.92
PS Ratio	3.76
Forward PS	3.33
PB Ratio	1.51
P/TBV Ratio	2.81
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	16.77
EV / Sales	4.43
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 11.05%.

Return on Equity (ROE)	11.05%
Return on Assets (ROA)	1.23%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$266,026
Profits Per Employee	$70,283
Employee Count	2,918
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CBU has paid $62.19 million in taxes.

Income Tax	62.19M
Effective Tax Rate	23.20%

Stock Price Statistics

The stock price has decreased by -10.24% in the last 52 weeks. The beta is 0.77, so CBU's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	-10.24%
50-Day Moving Average	58.52
200-Day Moving Average	58.13
Relative Strength Index (RSI)	40.28
Average Volume (20 Days)	218,571

Short Selling Information

The latest short interest is 1.87 million, so 3.54% of the outstanding shares have been sold short.

Short Interest	1.87M
Short Previous Month	1.66M
Short % of Shares Out	3.54%
Short % of Float	3.57%
Short Ratio (days to cover)	6.61

Income Statement

In the last 12 months, CBU had revenue of $776.26 million and earned $205.09 million in profits. Earnings per share was $3.88.

Revenue	776.26M
Gross Profit	776.26M
Operating Income	282.36M
Pretax Income	268.01M
Net Income	205.09M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.88

Balance Sheet

The company has $245.25 million in cash and $763.35 million in debt, giving a net cash position of -$518.10 million or -$9.84 per share.

Cash & Cash Equivalents	245.25M
Total Debt	763.35M
Net Cash	-518.10M
Net Cash Per Share	-$9.84
Equity (Book Value)	1.94B
Book Value Per Share	36.82
Working Capital	-14.23B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	36.37%
Pretax Margin	34.53%
Profit Margin	26.51%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.88, which amounts to a dividend yield of 3.39%.

Dividend Per Share	$1.88
Dividend Yield	3.39%
Dividend Growth (YoY)	2.20%
Years of Dividend Growth	34
Payout Ratio	47.92%
Buyback Yield	0.33%
Shareholder Yield	3.72%
Earnings Yield	7.02%
FCF Yield	n/a

Analyst Forecast

The average price target for CBU is $68.00, which is 22.57% higher than the current price. The consensus rating is "Hold".

Price Target	$68.00
Price Target Difference	22.57%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 13, 2004. It was a forward split with a ratio of 2:1.

Last Split Date	Apr 13, 2004
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2