Community Bank System, Inc.
CBU
NYSE·Financial Services·Banks - Regional·Mkt cap $3.4B
$63.85
▲ +0.57%
P/E
14.85
Mkt Cap
$3.4B
52-Wk Range
$53.46–$71.11
52-Week Range
$53.46 - $71.11
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 6.0% 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
Mild headwinds expected
Expansion of employee benefit services and retirement plan administration in growing markets
Value
Premium valuation to Commercial Banking peers
Momentum
Stable
-0.1% over 3m
Quality
Excellent
Strong fundamentals
Dividend
Solid
2.94% 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: Oct 20, 2026
JUL 28, 2026
Reported EPS of $1.16 vs $1.18 consensus (-1.7% surprise). Revenue of $218.4M vs $221.8M expected (-1.5%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-1.7%
Revenue trend · last 8Q
—
+11%
+11%
+8%
+10%
-8%
+6%
+8%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$188.9M
$196.3M
$243.7M
$247.4M
$256.2M
$181.5M
$258.6M
$268.4M
Margins · last 8Q
Gross
81.4%
Operating
30.1%
Profit
22.9%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Aug 3, 2026
vs Industry
How CBU stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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