Community Financial System, Inc
CBU
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Community Financial System, Inc. operates in a stable regional banking sector, which benefits from consistent demand for financial services and local economic growth.
- In Q2 2026, CBU reported a revenue increase of 5% compared to the prior quarter, reaching $224 million.
- The company has shown a strong earnings growth of 19.8%.
- The stock has a 'Strong Sell' signal with a score of -21.00, indicating significant bearish sentiment among investors.
- The price-to-earnings ratio is relatively high at 13.82, suggesting that the stock may be overvalued compared to its earnings growth.
- The company's revenue growth has been outpaced by its earnings growth, which could raise concerns about sustainability.
Fundamentals
| Market cap | $3.11B | Enterprise value | $3.63B | Trailing P/E | 13.68 | Forward P/E | 11.41 |
| PEG | 2.62 | Price / book | 1.50 | Beta | 0.78 | Dividend yield | 3.21% |
| Revenue growth | 12.0% | Earnings growth | 19.8% | Gross margin | 0.0% | Operating margin | 39.2% |
| Profit margin | 27.2% | ROE | 11.5% | ROA | 1.3% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | hold | Mean target | $69.17 |
| 52w high | $71.11 | 52w low | $53.46 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $224M | $214M | $216M | $207M | $199M |
| Op margin | — | — | — | — | — |
| Net income | $61.3M | $57.2M | $54.4M | $55.1M | $51.3M |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
- Revenue +5% vs prior quarter ($224M vs $214M).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $818M | $746M | $652M | $679M | — |
| Op margin | — | — | — | — | — |
| Net income | $210M | $182M | $132M | $188M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-09-30 · 3 Bank Stocks We Find Risky
2026-09-28 · 3 Russell 2000 Stocks We Steer Clear Of
2026-09-17 · Community Financial System Announces Third Quarter 2026 Earnings Conference Call
2026-09-10 · 3 Reasons to Avoid CBU and 1 Stock to Buy Instead
2026-09-08 · Community Financial System's BPAS Acquires ESOP One to Expand Services
2026-09-08 · BPAS Acquires ESOP One, Expanding Employee Ownership and ESOP Capabilities
2026-08-27 · Spotting Winners: Community Bank (NYSE:CBU) And Regional Banks Stocks In Q2
2026-08-25 · 3 Small-Cap Stocks with Open Questions
2026-08-24 · Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update
2026-08-24 · Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update
2026-08-24 · Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update
2026-08-10 · New Hampshire Shores Trust Expands CFSI's Advisor-Friendly Trust Services Capabilities
Price (daily)
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