Community Financial System, Inc. (CBU) stock
Close on Nov 11, 2026Market cap $3.40BP/E 14.6Yield 2.88%
Community Financial System, Inc. grew revenue 9.5% to $879.18M over the twelve months to Sep 30, 2026. Free cash flow was $269.62M, up 17.1% from a year earlier. At the latest close the market valued the company at $3.40B, 14.6 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $3.40B
- P/E ratio
- 14.6
- Price to sales
- 3.87
- Price to book
- 1.68
- Dividend yield
- 2.88%
- Free cash flow yield
- 7.92%
Fundamentals
- Revenue
- $879.18M
- Net income
- $234.28M
- EPS, diluted
- $4.43
- Free cash flow
- $269.62M
- Book value per share
- $38.46
- Diluted shares
- 53M
Trading
- Next earnings
- Jan 26, 2027 (estimated, before the open)
- Previous close
- $64.88
- Open
- $64.86
- Day's range
- $64.31 – $65.75
- Volume
- 135,150
- Average volume (20 days)
- 240,434
- Index membership
- S&P SmallCap 600, Russell 2000, Russell 3000
- Beta (5 years)
- 0.71
- 52-week range
- $53.46 – $71.11
- RSI (14 days)
- 59.4
- Volatility (1 year)
- 22.3%
- Relative volume
- 0.53×
- WACC
- 8.4%
On 1 of our idea list: Dividend growers
Index membership is inferred from the holdings of funds that track each index (SPSM, IJR, IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2010, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | CBU | S&P 500 | Difference | CBU per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +10.3% | -2.4% | +12.7 pts | ||
| 3 months | +0.5% | -1.2% | +1.6 pts | ||
| Year to date | +15.2% | +12.3% | +2.9 pts | ||
| 1 year | +16.3% | +12.4% | +3.8 pts | ||
| 3 years | +73.1% | +78.8% | −5.7 pts | +20.1% | +21.4% |
| 5 years | +1.1% | +75.2% | −74.1 pts | +0.2% | +11.9% |
| 10 years | +61.0% | +311.1% | −250.1 pts | +4.9% | +15.2% |
Fifteen years at a glance
Fiscal years 2011 to 2025 and trailing twelve months, USD
Revenue
Net income
EPS, diluted
Free cash flow
Press releases
Releases Community Financial System filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Results
- News
- Results
- Results
- Update
About Community Financial System
National Commercial Banks
Community Financial System, Inc. is a financial holding company providing banking and diverse financial services. The company operates through four reportable business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. Its offerings include retail and commercial banking, cash management, real estate investment, and treasury services. Additionally, the organization delivers employee benefit administration, actuarial consulting, institutional recordkeeping, and transfer agency services. Through its other divisions, it provides personal and commercial insurance lines, risk management, wealth management, and investment advisory services. The company serves retail, commercial, institutional, and governmental clients.
Company profile, executives and historyCommunity Financial System stock: common questions
What is Community Financial System's stock price?
CBU closed at $64.67 on Nov 11, 2026, down 0.32% on the day. Over the past 52 weeks it traded between $53.46 and $71.11.
What is Community Financial System's market cap?
Community Financial System was worth $3.40B at the close on Nov 11, 2026: the share price times the diluted shares outstanding.
What is CBU's P/E ratio?
CBU trades at 14.6 times earnings, based on diluted earnings per share of $4.43 over the twelve months to Sep 30, 2026.
How much revenue does Community Financial System make?
Community Financial System reported revenue of $879.18M for the twelve months to Sep 30, 2026, up 9.5% from a year earlier.
Does Community Financial System pay a dividend?
Yes. Community Financial System paid $1.86 per share over the last twelve months, a yield of 2.88% at the latest price, and has raised its annual dividend 16 years in a row.
When does Community Financial System report earnings next?
Community Financial System is expected to report Q4 FY2026 results on Jan 26, 2027, before the open. The date is estimated from its past reporting pattern until the company confirms it.
How has CBU stock performed over the past year?
Including dividends, CBU returned +16.3% over the past year, against +12.4% for the S&P 500.
How many CBU shares are sold short?
2M shares were sold short at the latest FINRA report, 3.58% of the float, or 8.4 days of average trading volume.
Who are Community Financial System's competitors?
Companies most similar to Community Financial System by business, industry and size include WSBC, SFNC, FRME, FCF, BANF.
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