Stock Fundamentals

Company Information

Company Name
Community Bank System Inc
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: US2036071064
CIK: 0000723188
CUSIP: 203607106
Currency: USD
Full Time Employees: 2,853
Phone: 315 445 2282
Fiscal Year End: December
IPO Date: Nov 27, 1985
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 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.

Address:

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

Directors & Officers

Name Title Year Born
Mr. Dimitar A. Karaivanov President, CEO & Director 1982
Ms. Marya Burgio Wlos Executive VP, Treasurer & CFO 1978
Ms. Maureen A. Gillan-Myer Executive VP & Chief Human Resources Officer and Administration officer 1968
Mr. Michael N. Abdo Executive VP & General Counsel 1978

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 04, 2026 John F Whipple N/A Sale 4.25K $65.17 $276.71K
Feb 03, 2026 Eric Stickels N/A Sale 2.00K $64.75 $129.50K
Dec 29, 2025 Maureen A Gillan-Myer N/A Sale 3.45K $58.85 $203.03K
Aug 27, 2025 Jeffrey M Levy N/A Sale 1.44K $61.38 $88.39K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 7.51M Mar 31, 2026 14.30% $0.01 -0.37%
Vanguard Group Inc 6.28M Dec 31, 2025 11.94% $0.01 -0.60%
Neuberger Berman Group LLC 3.72M Mar 31, 2026 7.07% $0.17 -2.54%
Vanguard Portfolio Management, LLC 3.53M Mar 31, 2026 6.71% $0.01 0.00%
State Street Corp 3.15M Mar 31, 2026 5.99% $0.01 0.74%
FMR Inc 3.03M Mar 31, 2026 5.76% $0.01 80.06%
Vanguard Capital Management, LLC 2.37M Mar 31, 2026 4.52% $0.00 0.00%
Morgan Stanley - Brokerage Accounts 1.86M Mar 31, 2026 3.54% $0.01 -7.20%
Dimensional Fund Advisors, Inc. 1.82M Mar 31, 2026 3.46% $0.02 1.14%
Geode Capital Management, LLC 1.30M Mar 31, 2026 2.47% $0.00 3.94%
Federated Hermes Inc 754.80K Mar 31, 2026 1.44% $0.07 12.34%
NFJ Investment Group, LLC 679.96K Mar 31, 2026 1.29% $1.51 -2.28%
NORGES BANK 678.84K Dec 31, 2025 1.29% $0.00 11.75%
Charles Schwab Investment Management Inc 639.01K Mar 31, 2026 1.22% $0.01 0.62%
Northern Trust Corp 620.51K Mar 31, 2026 1.18% $0.00 2.84%
Bank of America Corp 598.79K Mar 31, 2026 1.14% $0.00 3.35%
Bank of New York Mellon Corp 530.90K Mar 31, 2026 1.01% $0.01 -1.94%
DePrince Race & Zollo Inc 530.87K Mar 31, 2026 1.01% $0.59 11.14%
The Goldman Sachs Group Inc 524.56K Mar 31, 2026 1.00% $0.00 21.46%
Riggs Asset Management Co Inc 417.16K Mar 31, 2026 0.79% $5.04 3.91%

Shares Statistics

Shares Outstanding: 52.55M
Shares Float: 52.06M
% Insiders: 75.40%
% Institutions: 7,924.10%
Short % Float: 4.96%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Small-Cap ETF 3.20M 6.09% ▲ 0.04% May 29, 2026
2 Neuberger Genesis Inv 2.09M 3.97% ▼ 5.49% Mar 31, 2026
3 Vanguard Total Stock Mkt Idx Inv 1.71M 3.24% ▲ 0.43% Apr 30, 2026
4 iShares Russell 2000 ETF 1.25M 2.38% ▲ 0.93% May 29, 2026
5 Vanguard Small Cap Index 1.21M 2.31% ▼ 0.20% Apr 30, 2026
6 Calvert US Small-Cap Strategy 861.78K 1.64% ▼ 1.76% Mar 31, 2026
7 Calvert Small-Cap A 830.53K 1.58% ▼ 3.63% Apr 30, 2026
8 Vanguard Small Cap Value Index Inv 778.80K 1.48% ▲ 0.62% Apr 30, 2026
9 FIAM Small Cap Core CIT Cl B 675.80K 1.29% ▲ 17.84% Mar 31, 2026
10 Vanguard Institutional Extnd Mkt Idx Tr 593.04K 1.13% ▲ 1.07% Apr 30, 2026

Valuation Metrics

Enterprise Value: $3.60B
Trailing P/E: 16.21
Forward P/E: 15.77

Financial Highlights

Market Cap: $3.51B
P/E Ratio: $16.21
PEG Ratio: $2.62
Book Value: $38.53
Dividend/Share: $1.87
Dividend Yield: 2.82%
Earnings/Share: $4.12
Profit Margin: 26.76%
Operating Margin: 37.98%
ROA (TTM): 1.26%
ROE (TTM): 11.30%
Revenue (TTM): $814.75M
Revenue/Share (TTM): $15.47
Earnings Growth (YOY): 16.10%
Revenue Growth (YOY): 9.50%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.49x 0.35x 0.88x 1.43x 2.29x
2024-12-31 0.04x 0.57x 0.89x 1.22x 3.76x
2023-12-31 0.24x 0.45x 0.89x 1.62x 3.89x
2022-12-31 0.31x 1.45x 0.90x 10.40x 8.32x
2021-12-31 32.47x 0.32x 0.86x 18.55x 2.44x
2020-12-31 0.45x 0.17x 0.85x 9.87x 1.54x
2019-12-31 0.35x 0.18x 0.84x 7.88x 1.41x
2018-12-31 0.36x 0.24x 0.84x 12.05x 1.67x
2017-12-31 0.37x 0.30x 0.85x 11.61x 2.51x
2016-12-31 0.40x 0.21x 0.86x 13.69x 1.42x
2015-12-31 0.43x 0.35x 0.87x 11.80x 2.70x
2014-12-31 0.43x 0.45x 0.87x 11.00x 2.98x
2013-12-31 0.40x 0.28x 0.88x 4.26x 1.90x
2012-12-31 0.41x 0.92x 0.88x 2.13x 6.61x
2011-12-31 0.38x 1.07x 0.88x 1.68x 6.91x
2010-12-31 0.06x 1.37x 0.89x 1.30x 8.04x
2009-12-31 0.10x 1.47x 0.90x 0.64x 11.61x
2008-12-31 0.06x 0.82x 0.89x 0.55x 6.13x
2007-12-31 0.05x 0.93x 0.90x 0.38x 8.18x
2006-12-31 0.08x 1.34x 0.90x 0.52x 9.35x
2005-12-31 0.05x 1.09x 0.89x 0.91x 5.81x
2004-12-31 0.05x 0.60x 0.89x 1.08x 3.38x
2003-12-31 0.05x 0.76x 0.89x 0.90x 4.52x
2002-12-31 0.05x 1.24x 0.91x 0.68x 5.87x
2001-12-31 0.05x 1.50x 0.92x 0.27x 9.78x
2000-12-31 0.04x 2.33x 0.91x 0.35x 10.63x
1999-12-31 0.05x 2.99x 0.92x 0.42x 7.19x
1998-12-31 0.06x 1.37x 0.93x 0.42x 4.09x
1997-12-31 0.06x 1.31x 0.93x 0.45x 5.13x
1996-12-31 0.05x 1.34x 0.92x 0.56x 5.48x
1995-12-31 0.07x 0.26x 0.91x 0.52x 1.24x
1994-12-31 0.04x 2.46x 0.93x 0.74x 9.20x
1993-12-31 121.14x 0.01x 0.91x 0.00x 0.02x
1992-12-31 0.06x 0.99x 0.92x 0.49x 4.26x
1991-12-31 0.08x 0.08x 0.92x 0.17x 0.54x
1990-12-31 0.08x 0.03x 0.92x 0.09x 0.26x
1989-12-31 0.09x 0.11x 0.92x 0.19x 0.64x
1988-12-31 N/A N/A N/A 1.00x 0.00x
1987-12-31 N/A N/A N/A 1.00x 0.00x
1986-12-31 N/A N/A N/A 1.00x 0.00x
1985-12-31 N/A N/A N/A 1.00x 0.00x

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