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Community Bank System Inc

Financial Services US CBU

64.62USD
0.72(1.13%)

Last update at 2026-06-09T15:56:00Z

Day Range

64.4266.10
LowHigh

52 Week Range

49.9166.95
LowHigh

Fundamentals

  • Previous Close 63.90
  • Market Cap3305.79M
  • Volume107487
  • P/E Ratio15.79
  • Dividend Yield2.94%
  • Revenue TTM796.66M
  • Revenue Per Share TTM15.12
  • Gross Profit TTM 796.66M
  • Diluted EPS TTM3.97

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 275.39M 236.71M 168.23M 240.31M 241.35M
Minority interest - - - - -
Net income 210.46M 182.48M 131.92M 188.08M 189.69M
Selling general administrative 236.21M 300.78M 281.80M 257.34M 292.50M
Selling and marketing expenses 15.13M 16.06M 15.73M 13.10M 9.32M
Gross profit 682.00M 723.53M 640.67M 364.39M 323.86M
Reconciled depreciation 30.20M 28.66M 28.88M 15.21M 14.05M
Ebit 291.65M 236.71M 168.23M 278.62M 241.35M
Ebitda 317.25M 265.36M 196.58M 293.84M 255.40M
Depreciation and amortization 25.59M 28.66M 28.35M 15.21M 14.05M
Non operating income net other - - - - -
Operating income 291.65M 236.71M 168.23M 278.62M 241.35M
Other operating expenses 637.05M 704.01M 587.75M 400.73M 379.30M
Interest expense 192.72M 194.41M 104.10M 23.10M 13.01M
Tax provision 64.94M 54.22M 41.00M 52.23M 51.65M
Interest income 699.27M 643.53M 519.04M 443.73M 387.42M
Net interest income 506.55M 449.12M 440.32M 420.63M 374.41M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 64.94M 54.22M 36.31M 52.23M 51.65M
Total revenue 928.71M 940.71M 755.98M 679.36M 620.65M
Total operating expenses 390.34M 486.82M 472.44M -400.73000M -379.29900M
Cost of revenue 246.71M 217.18M 115.31M 314.97M 296.79M
Total other income expense net -16.25900M -60.40300M -58.85300M -38.31100M 171.76M
Discontinued operations - - - - -
Net income from continuing ops 210.46M 182.48M 150.75M 188.08M 189.69M
Net income applicable to common shares 209.58M 181.74M 131.48M 188.08M 189.69M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 17413.80M 16386.04M 15555.75M 15835.65M 15552.66M
Intangible assets 54.74M 48.25M 52.59M 61.00M 65.23M
Earning assets - - - - 4979.09M
Other current assets -2933.07500M - 246.70M 58.01M 35.89M
Total liab 15407.77M 14623.21M 13857.82M 14283.95M 13451.85M
Total stockholder equity 2006.03M 1762.84M 1697.94M 1551.70M 2100.81M
Deferred long term liab - - - - -
Other current liab 10.81M 13441.71M 6031.13M -902.26300M -210.79700M
Common stock 54.91M 54.70M 54.37M 54.19M 54.09M
Capital stock 54.91M 54.70M 54.37M 54.19M 54.09M
Retained earnings 1387.64M 1275.33M 1188.87M 1152.45M 1058.29M
Other liab - - - 15.67M 81.89M
Good will 887.98M 853.23M 845.40M 841.84M 799.11M
Other assets 17001.54M 12263.76M -246.69600M 5121.43M 2703.41M
Cash 301.75M 191.89M 190.96M 209.90M 1875.06M
Cash and equivalents - - - - -
Total current liabilities 241.97M 13821.26M 6084.13M 902.26M 210.80M
Current deferred revenue - - - - -
Net debt 444.91M 806.97M 269.64M 1696.28M -1545.17900M
Short term debt 241.97M 379.55M 53.00M 768.40M 1.89M
Short long term debt 0.00000M 118.00M 53.00M 768.40M -
Short long term debt total 746.66M 998.87M 460.60M 1906.17M 329.88M
Other stockholder equity 977.10M 980.89M 1004.70M 1031.50M 1039.06M
Property plant equipment 254.24M 192.08M - 160.78M 160.65M
Total current assets 359.49M 563.30M 437.66M 4414.36M 6845.17M
Long term investments 4057.78M 4139.54M 4099.22M 5314.89M 4979.09M
Net tangible assets - - - 661.17M 1236.47M
Short term investments 2875.34M 317.07M 2919.99M 4151.85M 4934.21M
Net receivables 57.73M 54.34M 54.53M 52.61M 35.89M
Long term debt 458.77M 619.31M 407.60M 1137.78M 329.88M
Inventory - - 136.43M 0.50M 0.72M
Accounts payable - - - 133.86M 210.80M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -413.61100M -548.08500M -550.00100M -686.43900M -50.62700M
Additional paid in capital - - - - -
Common stock total equity - - - 54.19M 54.09M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 1152.45M 1058.29M
Treasury stock - - - -26.48500M -10.61000M
Accumulated amortization - - - - -
Non currrent assets other 369.36M 561.79M 10194.17M -78.64100M -6004.07500M
Deferred long term asset charges - - - - -
Non current assets total 17054.31M 15822.74M 15364.79M 6299.86M 6004.07M
Capital lease obligations - - - - -
Long term debt total 8.33M 8.67M - 3.25M 3.28M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -52.41000M -835.61700M 378.82M -2092.52400M -1487.91700M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -182.10300M -835.61700M - -2138.98500M -1530.77500M
Net borrowings -278.25700M 267.93M - 21.84M 35.94M
Total cash from financing activities -15.00500M 599.38M -583.13000M 259.22M 1557.49M
Change to operating activities - - - -6.23100M 2.06M
Net income 210.46M 182.48M 131.48M 188.08M 189.69M
Change in cash 104.75M 6.04M -18.93400M -1665.16800M 229.26M
Begin period cash flow 197.00M 190.96M 209.90M 1875.06M 1645.81M
End period cash flow 301.75M 197.00M 190.96M 209.90M 1875.06M
Total cash from operating activities 301.86M 242.28M 228.42M 214.60M 202.55M
Issuance of capital stock 5.28M 7.09M 0.81M 1.18M 9.82M
Depreciation 29.42M 28.66M 28.35M 30.43M 30.16M
Other cashflows from investing activities -532.83100M -759.83800M - -33.53900M -29.68200M
Dividends paid 97.56M 95.78M 95.10M 93.39M 91.05M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock -11.16800M -46.02900M -30.23300M -16.61400M -5.10600M
Other cashflows from financing activities 397.09M 466.17M -85.16700M 368.13M 1721.14M
Change to netincome - - - 21.67M 3.47M
Capital expenditures 68.53M 20.70M 18.59M 12.92M 13.18M
Change receivables - - - - -
Cash flows other operating - - - -6.84200M 1.72M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -1665.16800M 229.26M
Change in working capital 7.57M -5.87800M 1.11M -6.23100M 2.06M
Stock based compensation 10.86M 8.37M 9.27M 7.74M 6.33M
Other non cash items 31.88M 27.97M 65.72M -6.72300M -33.69700M
Free cash flow 233.33M 221.57M 209.84M 201.68M 189.37M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CBU
Community Bank System Inc		 0.72 1.13% 64.62 15.79 15.77 4.15 1.64 4.59
HDB
HDFC Bank Limited ADR		 0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.24 0.79% 30.71 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 -0.03 0.06% 50.45 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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 governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

Community Bank System Inc

333 Butternut Drive, Syracuse, NY, United States, 13214-2141

Key Executives

Name Title Year Born
Mr. Mark E. Tryniski CEO, Pres & Director 1960
Mr. Joseph E. Sutaris Exec. VP, CFO & Treasurer 1967
Mr. Dimitar A. Karaivanov Exec. VP & COO 1982
Mr. Joseph Jonathon Lemchak Sr. VP & Chief Investment Officer 1962
Mr. Aaron Friot Sr. VP, Chief Technology & Operations Officer NA
Dorothy Quarltere Chief Compliance Officer NA
Mr. Michael N. Abdo Exec. VP & Gen. Counsel NA
Ms. Maureen A. Gillan-Myer Exec. VP & Chief HR Officer 1968
Mr. Paul J. Ward Sr. VP & Chief Risk Officer NA
Mr. Jeffrey M. Levy Sr. VP & Pres of Commercial Banking 1962

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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