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Community Bank System, Inc.

Data quality: 100%
CBU
NYSE Financial Services Banks - Regional
$57.26
▲ $0.97 (1.72%)
Mkt Cap: 3.02B
Day Range
$57.24 $58.83
52-Week Range
$49.44 $67.50
Volume
216,172
50D / 200D Avg
$61.85 / $58.63
Prev Close
$56.29

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 14.3 10.3
P/B 1.5 1.1
ROE % 11.2 11.7
Net Margin % 22.7 16.8
Rev Growth 5Y % 10.0 11.7
D/E 0.4 0.5

Analyst Price Target

Hold
$62.00 +8.3%
Forward P/E
12.2
Forward EPS
$4.69
EPS Growth (est.)
+0.0%
Est. Revenue
890 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $5.34
$4.88 – $5.63
960 M 5
FY2026 $4.69
$4.51 – $4.78
890 M 5

Key Takeaways

Revenue grew 10.03% annually over 5 years — strong growth
Earnings grew 15.33% over the past year
ROE of 11.17% — decent returns on equity
Net margin of 22.66% shows strong profitability
Debt/Equity of 0.37 — conservative balance sheet
Generating 233.33M in free cash flow

Growth

Revenue Growth (5Y)
10.03%
Revenue (1Y)-1.28%
Earnings (1Y)15.33%
FCF Growth (3Y)5.45%

Quality

Return on Equity
11.17%
ROIC7.95%
Net Margin22.66%
Op. Margin31.40%

Safety

Debt / Equity
0.37
Current Ratio1.49
Interest Coverage1.51

Valuation

P/E Ratio
14.34
P/B Ratio1.50
EV/EBITDA11.88
Dividend Yield0.03%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -1.28% Revenue Growth (3Y) 10.84%
Earnings Growth (1Y) 15.33% Earnings Growth (3Y) 26.30%
Revenue Growth (5Y) 10.03% Earnings Growth (5Y) 2.63%
Profitability
Revenue (TTM) 928.71M Net Income (TTM) 210.46M
ROE 11.17% ROA 1.21%
Gross Margin 73.43% Operating Margin 31.40%
Net Margin 22.66% Free Cash Flow (TTM) 233.33M
ROIC 7.95% FCF Growth (3Y) 5.45%
Safety
Debt / Equity 0.37 Current Ratio 1.49
Interest Coverage 1.51 Dividend Yield 0.03%
Valuation
P/E Ratio 14.34 P/B Ratio 1.50
P/S Ratio 3.25 PEG Ratio 0.97
EV/EBITDA 11.88 Dividend Yield 0.03%
Market Cap 3.02B Enterprise Value 3.46B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 928.71M 940.71M 755.98M 702.45M 633.66M
Net Income 210.46M 182.48M 131.92M 188.08M 189.69M
EPS (Diluted) 3.98 3.44 2.45 3.46 3.48
Gross Profit 682.00M 723.53M 640.67M 664.58M 629.49M
Operating Income 291.65M 236.71M 168.23M 240.31M 241.35M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 17.41B 16.39B 15.56B 15.84B 15.55B
Total Liabilities 15.41B 14.62B 13.86B 14.28B 13.45B
Shareholders' Equity 2.01B 1.76B 1.70B 1.55B 2.10B
Total Debt 746.66M 998.87M 765.20M 1.14B 329.89M
Cash & Equivalents 301.76M 191.89M 190.96M 209.90M 1.88B
Current Assets 359.49M 563.30M 3.17B 4.41B 6.85B
Current Liabilities 241.97M 13.82B 13.29B 14.26B 13.45B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#319 of 326
20

Recent Activity

Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026