CBUNYSENational Commercial BanksFiscal year ends December 31
COMMUNITY FINANCIAL SYSTEM, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$59.85−0.39 (-0.65%)
Close on Oct 19, 2026
- Market cap
- $3.16B
- P/E (TTM)
- 13.9
- Dividend yield
- 3.11%
Community Financial System statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | Community Financial System | Industry median |
|---|---|---|
| Market Cap | $3.15B | $679.86M |
| Enterprise Value | $2.89B | $408.94M |
| PE Ratio | 13.89 | 12.00 |
| PS Ratio | 3.67 | 3.61 |
| PB Ratio | 1.52 | 1.18 |
| P/TBV Ratio | 2.84 | 1.41 |
| P/FCF Ratio | 12.77 | 10.93 |
| P/OCF Ratio | 10.22 | 10.04 |
Enterprise value
| Measure | Community Financial System | Industry median |
|---|---|---|
| EV / Sales | 3.37 | 2.78 |
| EV / FCF | 11.72 | 8.25 |
Income (trailing twelve months)
| Measure | Community Financial System | Industry median |
|---|---|---|
| Revenue | $858.94M | $170.85M |
| Pretax Income | $300.52M | $70.12M |
| Net Income | $228.06M | $54.33M |
| EPS (Diluted) | $4.31 | $2.90 |
Margins
| Measure | Community Financial System | Industry median |
|---|---|---|
| Pretax Margin | 35.0% | 36.4% |
| Profit Margin | 26.6% | 29.1% |
| FCF Margin | 28.7% | 33.0% |
Returns
| Measure | Community Financial System | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.5% | 10.5% |
| Return on Assets (ROA) | 1.32% | 1.12% |
Growth
| Measure | Community Financial System | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 9.43% | 11.8% |
| Net Income Growth (YoY) | 17.2% | 23.1% |
| EPS Growth (YoY) | 17.4% | 22.7% |
| FCF Growth (YoY) | 24.1% | 27.1% |
| Revenue Growth (3Y CAGR) | 6.39% | 5.82% |
| Revenue Growth (5Y CAGR) | 6.51% | 6.17% |
| EPS Growth (3Y CAGR) | 4.69% | 1.26% |
| EPS Growth (5Y CAGR) | 5.21% | 8.24% |
Balance sheet
| Measure | Community Financial System | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $258.17M | $205.54M |
| Net Cash (Debt) | $258.17M | $164.40M |
| Net Cash Per Share | $4.91 | $8.13 |
| Equity (Book Value) | $2.07B | $560.44M |
| Book Value Per Share | $39.39 | $28.47 |
| Tangible Book Value | $1.11B | $472.29M |
Cash flow (trailing twelve months)
| Measure | Community Financial System | Industry median |
|---|---|---|
| Operating Cash Flow | $308.27M | $61.20M |
| Capital Expenditures | -$61.60M | -$4.02M |
| Free Cash Flow | $246.67M | $52.43M |
| FCF Per Share | $4.69 | $3.07 |
Efficiency
| Measure | Community Financial System | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $286.22K | $353.78K |
| Profits Per Employee | $76.00K | $107.28K |
| Employee Count | 3,001 | 489 |
Dividends and yields
| Measure | Community Financial System | Industry median |
|---|---|---|
| Earnings Yield | 7.24% | 8.07% |
| FCF Yield | 7.83% | 8.89% |
| Dividend Yield | 3.11% | 2.48% |
| Buyback Yield | 0.49% | 1.55% |
| Shareholder Yield | 3.60% | 3.13% |
| Dividend Per Share | $1.86 | $0.93 |
| Dividend Growth (YoY) | 2.20% | 4.26% |
| Years of Dividend Growth | 11 | 2 |
| Payout Ratio | 43.2% | 29.4% |
| FCF Payout Ratio | 40.0% | 26.0% |
Shares
| Measure | Community Financial System | Industry median |
|---|---|---|
| Shares Outstanding | 52,615,900 | 18,839,100 |
| Shares Change (YoY) | -0.08% | 0.39% |
| Float | 52,179,000 | 17,061,900 |
| Shares Held by Insiders | 0.83% | 5.89% |
| Shares Held by Institutions | 77.9% | 61.9% |
Taxes
| Measure | Community Financial System | Industry median |
|---|---|---|
| Income Tax | $72.46M | $14.50M |
| Effective Tax Rate | 24.1% | 21.1% |
Scores
| Measure | Community Financial System | Industry median |
|---|---|---|
| Graham Number | $61.81 | $45.31 |
| Graham Upside | 3.27% | 21.6% |
| Altman Z-Score | 0.28 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from Community Financial System's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.