Skip to content
DeepViews

Community Financial System, Inc. (CBU) — Analysis Summary

Community Financial System, Inc. (CBU) has a market cap of $3.33B with year-over-year revenue growth of +9.6%. Net margin stands at 25.7%. The stock trades at a P/E ratio of 14.6.

Key Takeaways

  • Revenue changed +9.6% year-over-year
  • Net margin of 25.7%
  • P/E ratio of 14.6

Compared to other companies in the NATIONAL COMMERCIAL BANKS sector, CBU posted revenue growth of +9.6% and trades at a P/E of 14.6.

[XNYS]

Community Financial System, Inc. (CBU)

$63.34

UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR

Market Cap
$3332.69M
Enterprise Value
$3074.52M
P/E Ratio
14.6
Div Yield
3.09%
EV/EBITDA
6.1
Company Profile
About
About Community Financial System, Inc.

Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.

Sector

NATIONAL COMMERCIAL BANKS

Employees

3,001

Headquarters

SYRACUSE, NY

Exchange

XNYS

Website
Source: Polygon.io
Score
Competitive Moat
Competitive Moat
40
Narrow Moat

Systematic competitive advantage assessment based on 4yr data

This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.

Market Signals
Valuation
Earnings
Insider Activity
Insider Filing Activity

First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.

Loading SEC insider filing activity...
Superinvestors
Financial Health
Financial Health

Capital Structure

Total Equity$2072.76M
Total Debt$0.00M
Debt-to-Equity0.00
Cash & Equivalents$258.17M

Cash Flow

Operating Cash Flow$308.27M
Free Cash Flow$246.67M
FCF Margin28.72%
P/FCF Ratio13.51
Source: Polygon.io · SEC EDGAR
Dividends
Dividends

Annual Dividend/Share

$1.96

Dividend Yield

3.09%

Quarterly
Last Ex-Date: 2026-09-15

Dividend History

2026-09-15
CD$0.4900
2026-06-15
CD$0.4700
2026-03-16
CD$0.4700
2025-12-12
CD$0.4700
Source: Polygon.io
Recent News
Recent News

Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.