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CBU.US - Current Price

$60.90

Company Information

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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: 2,730
Phone: 315 445 2282
Website: https://communityfinancialsystem.com
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 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.

Address:

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

Directors & Officers

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Name Title Year Born
Mr. Dimitar A. Karaivanov President, CEO & Director 1982
Ms. Maureen A. Gillan-Myer Executive VP & Chief Human Resources Officer and Administration officer 1968
Mr. Michael N. Abdo Executive VP & General Counsel 1978
Mr. Jeffrey M. Levy Senior VP & Chief Banking Officer 1962
Ms. Marya Burgio Wlos Executive VP & CFO 1978
Mr. Aaron Friot Senior VP, Chief Technology & Operations Officer NA
Ms. Deresa F. Durkee Senior VP & Chief Accounting Officer 1969
Dorothy Quarltere Chief Compliance Officer NA
Mr. Daniel L. Bailey Senior VP & Chief Risk Officer NA
Mr. Michael Thomas Cerminaro President & CEO of Wealth Management Division NA

Shares Statistics

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Shares Outstanding: 52.66M
Shares Float: 52.20M
% Insiders: 104.20%
% Institutions: 7,791.20%
Short % Float: 4.64%

Valuation Metrics

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Enterprise Value: $3.73B
Trailing P/E: 15.70
Forward P/E: 15.77

Financial Highlights

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Market Cap: $3.22B
P/E Ratio: $15.70
PEG Ratio: $2.17
Book Value: $36.82
Dividend/Share: $1.85
Dividend Yield: 3.02%
Earnings/Share: $3.88
Profit Margin: 26.51%
Operating Margin: 38.30%
ROA (TTM): 1.23%
ROE (TTM): 11.05%
Revenue (TTM): $776.26M
Revenue/Share (TTM): $14.73
Earnings Growth (YOY): 25.30%
Revenue Growth (YOY): 11.20%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

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Revenue & Net Income

Operating Expenses

Balance Sheet Overview

Earnings Per Share (EPS)

Earnings History

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Date EPS Actual EPS Estimate Difference Surprise %
Mar 31, 2026 N/A N/A N/A N/A
Dec 31, 2025 N/A 1.14 N/A N/A
Sep 30, 2025 1.09 1.05 N/A 380.95%
Jun 30, 2025 0.99 1.01 N/A -198.02%
Mar 31, 2025 0.93 0.91 N/A 219.78%
Dec 31, 2024 0.94 0.91 N/A 329.67%
Sep 30, 2024 0.83 0.88 N/A -568.18%
Jun 30, 2024 0.90 0.81 N/A 1,111.11%
Mar 31, 2024 0.76 0.78 N/A -256.41%
Dec 31, 2023 0.76 0.84 N/A -952.38%
Sep 30, 2023 0.82 0.88 N/A -681.82%
Jun 30, 2023 0.91 0.85 N/A 705.88%
Mar 31, 2023 0.86 0.91 N/A -549.45%
Dec 31, 2022 0.96 0.93 N/A 322.58%
Sep 30, 2022 0.90 0.92 N/A -217.39%
Jun 30, 2022 0.85 0.84 N/A 119.05%
Mar 31, 2022 0.87 0.76 N/A 1,447.37%
Dec 31, 2021 0.81 0.82 N/A -121.95%
Sep 30, 2021 0.83 0.80 N/A 375.00%
Jun 30, 2021 0.88 0.80 N/A 1,000.00%
Mar 31, 2021 0.97 0.79 N/A 2,278.48%
Dec 31, 2020 0.85 0.76 N/A 1,184.21%
Sep 30, 2020 0.85 0.69 N/A 2,318.84%
Jun 30, 2020 0.76 0.66 N/A 1,515.15%
Mar 31, 2020 0.77 0.73 N/A 547.95%
Dec 31, 2019 0.83 0.82 N/A 121.95%
Sep 30, 2019 0.84 0.81 N/A 370.37%
Jun 30, 2019 0.80 0.80 N/A 0.00%
Mar 31, 2019 0.81 0.76 N/A 657.89%
Dec 31, 2018 0.78 0.80 N/A -250.00%
Sep 30, 2018 0.82 0.78 N/A 512.82%
Jun 30, 2018 0.86 0.80 N/A 750.00%
Mar 31, 2018 0.78 0.73 N/A 684.93%
Dec 31, 2017 0.66 0.68 N/A -294.12%
Sep 30, 2017 0.68 0.67 N/A 149.25%
Jun 30, 2017 0.35 0.52 N/A -3,269.23%
Mar 31, 2017 0.57 0.58 N/A -172.41%
Dec 31, 2016 0.59 0.59 N/A 0.00%
Sep 30, 2016 0.61 0.60 N/A 166.67%
Jun 30, 2016 0.58 0.56 N/A 357.14%
Mar 31, 2016 0.55 0.55 N/A 0.00%
Dec 31, 2015 0.56 0.59 N/A -508.47%
Sep 30, 2015 0.61 0.58 N/A 517.24%
Jun 30, 2015 0.58 0.55 N/A 545.45%
Mar 31, 2015 0.55 0.55 N/A 0.00%
Dec 31, 2014 0.56 0.58 N/A -344.83%
Sep 30, 2014 0.59 0.56 N/A 535.71%
Jun 30, 2014 0.57 0.54 N/A 555.56%
Mar 31, 2014 0.54 0.52 N/A 384.62%
Dec 31, 2013 0.84 0.53 N/A 5,849.06%
Sep 30, 2013 0.54 0.52 N/A 384.62%
Jun 30, 2013 0.52 0.50 N/A 400.00%
Mar 31, 2013 0.50 0.50 N/A 0.00%
Dec 31, 2012 0.52 0.54 N/A -370.37%
Sep 30, 2012 0.55 0.53 N/A 377.36%
Jun 30, 2012 0.53 0.50 N/A 600.00%
Mar 31, 2012 0.48 0.49 N/A -204.08%
Dec 31, 2011 0.51 0.53 N/A -377.36%
Sep 30, 2011 0.55 0.54 N/A 185.19%
Jun 30, 2011 0.56 0.49 N/A 1,428.57%
Mar 31, 2011 0.49 0.46 N/A 652.17%
Dec 31, 2010 0.49 0.47 N/A 425.53%
Sep 30, 2010 0.51 0.46 N/A 1,086.96%
Jun 30, 2010 0.48 0.41 N/A 1,707.32%
Mar 31, 2010 0.42 0.37 N/A 1,351.35%
Dec 31, 2009 0.38 0.37 N/A 270.27%
Sep 30, 2009 0.38 0.35 N/A 857.14%
Jun 30, 2009 0.28 0.28 N/A 0.00%
Mar 31, 2009 0.32 0.34 N/A -588.24%
Dec 31, 2008 0.39 0.37 N/A 540.54%
Sep 30, 2008 0.39 0.39 N/A 0.00%
Jun 30, 2008 0.37 0.36 N/A 277.78%
Mar 31, 2008 0.36 0.34 N/A 588.24%
Dec 31, 2007 0.36 0.34 N/A 588.24%
Sep 30, 2007 0.37 0.36 N/A 277.78%
Jun 30, 2007 0.34 0.33 N/A 303.03%
Mar 31, 2007 0.32 0.31 N/A 322.58%
Dec 31, 2006 0.34 0.32 N/A 625.00%
Sep 30, 2006 0.36 0.34 N/A 588.24%
Jun 30, 2006 0.33 0.31 N/A 645.16%
Mar 31, 2006 0.33 0.33 N/A 0.00%
Dec 31, 2005 0.34 0.34 N/A 0.00%
Sep 30, 2005 0.48 0.36 N/A 3,333.33%
Jun 30, 2005 0.46 0.41 N/A 1,219.51%
Mar 31, 2005 0.43 0.41 N/A 487.80%
Dec 31, 2004 0.40 0.41 N/A -243.90%
Sep 30, 2004 0.45 0.43 N/A 465.12%
Jun 30, 2004 0.40 0.39 N/A 256.41%
Mar 31, 2004 0.40 0.39 N/A 256.41%
Dec 31, 2003 0.38 0.41 N/A -731.71%
Sep 30, 2003 0.44 0.38 N/A 1,578.95%
Jun 30, 2003 0.38 0.37 N/A 270.27%
Mar 31, 2003 0.38 0.37 N/A 270.27%
Dec 31, 2002 0.37 0.37 N/A 0.00%
Sep 30, 2002 0.42 0.33 N/A 2,727.27%
Jun 30, 2002 0.31 0.30 N/A 333.33%
Mar 31, 2002 0.30 0.27 N/A 1,111.11%
Dec 31, 2001 0.30 0.31 N/A -322.58%
Sep 30, 2001 0.29 0.27 N/A 740.74%
Jun 30, 2001 0.26 0.30 N/A -1,333.33%
Mar 31, 2001 0.34 0.35 N/A -285.71%
Dec 31, 2000 0.35 0.35 N/A 0.00%
Sep 30, 2000 0.36 0.36 N/A 0.00%
Jun 30, 2000 0.36 0.36 N/A 0.00%
Mar 31, 2000 0.35 0.35 N/A 0.00%
Dec 31, 1999 0.35 0.30 N/A 1,666.67%
Sep 30, 1999 0.34 0.29 N/A 1,724.14%
Jun 30, 1999 0.28 0.26 N/A 769.23%
Mar 31, 1999 0.24 0.25 N/A -400.00%
Dec 31, 1998 0.26 0.26 N/A 0.00%
Sep 30, 1998 0.28 0.27 N/A 370.37%
Jun 30, 1998 0.17 0.27 N/A -3,703.70%
Mar 31, 1998 0.24 0.28 N/A -1,428.57%
Dec 31, 1997 0.26 0.28 N/A -714.29%
Sep 30, 1997 0.28 0.27 N/A 370.37%
Jun 30, 1997 0.24 0.25 N/A -400.00%
Mar 31, 1997 0.24 0.24 N/A 0.00%
Dec 31, 1996 0.24 0.23 N/A 434.78%
Sep 30, 1996 0.25 0.24 N/A 416.67%
Jun 30, 1996 0.23 0.22 N/A 454.55%
Mar 31, 1996 0.21 0.20 N/A 500.00%

Balance Sheet (Yearly)

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Date Cash Total Debt Total Assets Total Liabilities Total Equity
2024-12-31 $191.89M $N/A $16.39B $14.62B $1.76B
2023-12-31 $190.96M $N/A $15.56B $13.86B $1.70B
2022-12-31 $209.90M $N/A $15.84B $14.28B $1.55B
2021-12-31 $1.88B $N/A $15.55B $13.45B $2.10B
2020-12-31 $1.65B $N/A $13.93B $11.83B $2.10B
2019-12-31 $205.03M $N/A $11.41B $9.56B $1.86B
2018-12-31 $211.83M $N/A $10.61B $8.89B $1.71B
2017-12-31 $221.04M $N/A $10.75B $9.11B $1.64B
2016-12-31 $173.86M $N/A $8.67B $7.47B $1.20B
2015-12-31 $153.21M $N/A $8.55B $7.41B $1.14B
2014-12-31 $138.40M $N/A $7.49B $6.50B $987.90M
2013-12-31 $149.65M $N/A $7.10B $6.22B $875.81M
2012-12-31 $228.56M $N/A $7.50B $6.59B $902.78M
2011-12-31 $324.88M $N/A $6.49B $5.71B $774.58M
2010-12-31 $211.84M $N/A $5.44B $4.84B $607.26M
2009-12-31 $361.88M $N/A $5.40B $4.84B $565.70M
2008-12-31 $213.75M $N/A $5.17B $4.63B $544.65M
2007-12-31 $130.82M $N/A $4.70B $4.22B $478.78M
2006-12-31 $232.03M $N/A $4.50B $4.04B $461.53M
2005-12-31 $114.61M $N/A $4.15B $3.70B $457.60M
2004-12-31 $118.35M $N/A $4.39B $3.92B $474.63M
2003-12-31 $103.92M $N/A $3.86B $3.45B $404.83M
2002-12-31 $113.53M $N/A $3.43B $3.11B $325.04M
2001-12-31 $106.55M $N/A $3.21B $2.94B $267.98M
2000-12-31 $76.46M $N/A $2.65B $2.42B $201.79M
1999-12-31 $76.50M $N/A $1.84B $1.70B $108.50M
1998-12-31 $78.90M $N/A $1.68B $1.56B $120.20M
1997-12-31 $82.10M $N/A $1.63B $1.52B $118.00M
1996-12-31 $52.50M $N/A $1.34B $1.23B $109.40M
1995-12-31 $62.90M $N/A $1.15B $1.05B $100.10M
1994-12-31 $30.50M $N/A $915.50M $849.20M $66.30M
1993-12-31 $27.60M $N/A $713.10M $651.10M $62.00M
1992-12-31 $28.50M $N/A $669.30M $615.90M $53.40M
1991-12-31 $40.50M $N/A $634.50M $586.30M $48.20M
1990-12-31 $40.30M $N/A $617.90M $571.50M $46.40M
1989-12-31 $40.80M $N/A $586.10M $539.70M $46.40M
1988-12-31 $N/A $N/A $N/A $N/A $N/A
1987-12-31 $N/A $N/A $N/A $N/A $N/A
1986-12-31 $N/A $N/A $N/A $N/A $N/A
1985-12-31 $N/A $N/A $N/A $N/A $N/A

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Aug 27, 2025 N/A N/A N/A N/A N/A N/A
Jun 17, 2025 N/A N/A N/A N/A N/A N/A
Jun 11, 2025 N/A N/A N/A N/A N/A N/A
Jan 24, 2025 N/A N/A N/A N/A N/A N/A
Nov 25, 2024 N/A N/A N/A N/A N/A N/A
Nov 05, 2024 N/A N/A N/A N/A N/A N/A

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