Menu
Live
Market Overview
Live indices, gainers & losers
Market Pulse
AI-curated live updates
Market Movers
Top gainers & losers by cap
Market Signals
Value, momentum & analyst signals
Smart Money
Insider & congress trades
Hedge Funds
What 63 elite funds bought & sold
52-Week Highs
Stocks breaking out to new highs
52-Week Lows
Beaten-down stocks near support
High Beta
Stocks that move more than the market
Earnings Calendar
Upcoming earnings dates
Daily
Research
Invest
LIVE
Community Bank System, Inc.
CBU
NYSE·Financial Services·Banks - Regional·Mkt cap $3.6B
$67.16
▼ -1.88%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$51.12 - $69.12
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 15.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Established 158-year operating history with deep community relationships and brand recognition across Northeast
- Diversified revenue streams beyond net interest income through employee benefit services and insurance operations
- Geographic footprint across high-value markets in Upstate New York, Pennsylvania, Vermont, and Massachusetts with 215+ facilities
- Comprehensive financial services platform reducing customer acquisition costs and increasing wallet share
Bear Case
2 risks
- Low volatility (beta 0.8).
- Premium valuation to Commercial Banking peers
Growth
Stable outlook
Expansion of employee benefit services and retirement plan administration in growing markets
Value
Premium valuation to Commercial Banking peers
Momentum
Strong
+15.2% over 3m
Quality
Excellent
Excellent business quality
Dividend
Solid
2.75% yield
Smart-money signal
Who's buying CBU right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 27, 2026
APR 29, 2026
Reported EPS of $1.09 vs $1.10 consensus (-0.9% surprise). Revenue of $213.7M vs $216.4M expected (-1.2%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-0.9%
Next: Apr 27, 2026
Revenue trend · last 8Q
—
—
+11%
+11%
+8%
+10%
-8%
+6%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$183.8M
$188.9M
$196.3M
$243.7M
$247.4M
$256.2M
$181.5M
$258.6M
Margins · last 8Q
Gross
80.3%
Operating
28.9%
Profit
22.1%
Wall Street consensus
2 analysts · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
$75.00
▲ +11.7% vs $67.16
Latest: Piper Sandler · Apr 30, 2026
1 analyst covering