Community Financial System, Inc. (CBU) stock
CBUNYSENational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 13/305% above fair value
$64.49−0.18 (-0.28%)
Close on Nov 12, 2026Market cap $3.39BP/E 14.6Yield 2.88%
Community Financial System statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, before the open)
- Last ex-dividend date
- Sep 15, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 3.19
- 1.52
- P/OCF Ratio
- 10.69
- 9.78
Enterprise valuationIndustry
- EV / Sales
- 3.38
- 2.95
- EV / FCF
- 11.01
- 8.51
Share statisticsIndustry
- Shares Change (YoY)
- -0.14%
- 0.35%
- Float
- 52M
- 17M
- Shares Held by Insiders
- 0.83%
- 6.05%
- Shares Held by Institutions
- 77.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 2M
- –
- Short Interest Change
- -2.70%
- -4.13%
- Short % of Float
- 3.58%
- 3.58%
- Short % of Shares Outstanding
- 3.55%
- 3.18%
- Days to Cover
- 8.40
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $71.11
- –
- 52-Week Low
- $53.46
- –
- 20-Day Moving Average
- $63.14
- –
- 50-Day Moving Average
- $61.87
- –
- 200-Day Moving Average
- $62.99
- –
- Average True Range (14)
- $1.45
- –
- Price Change (1 Week)
- -0.23%
- 0.47%
- Price Change (1 Month)
- 9.23%
- 4.83%
- Price Change (3 Months)
- -2.05%
- -3.58%
- Price Change (6 Months)
- 3.65%
- 10.8%
- Price Change (YTD)
- 12.3%
- 19.6%
- Price Change (1 Year)
- 12.4%
- 25.4%
- Price Change (3 Years)
- 55.8%
- 76.7%
- Price Change (5 Years)
- -13.1%
- 26.5%
- Price Change (10 Years)
- 21.0%
- 67.0%
- Average Volume (10 Days)
- 254,115
- –
- Average Volume (20 Days)
- 236,241
- –
- Average Volume (90 Days)
- 254,313
- –
- Relative Volume
- 0.60
- 0.66
- Relative Strength Index (14)
- 58.3
- 52.6
- Volatility (1 Year)
- 22.2%
- 24.4%
- Beta (5 Years)
- 0.71
- 0.63
MarginsIndustry
- Pretax Margin
- 35.0%
- 36.9%
- FCF Margin
- 30.7%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 11.8%
- 10.8%
- Return on Assets (ROA)
- 1.35%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 9.48%
- 11.8%
- Net Income Growth (YoY)
- 13.8%
- 22.7%
- EPS Growth (YoY)
- 14.2%
- 21.6%
- FCF Growth (YoY)
- 17.1%
- 27.5%
- Revenue Growth (3Y CAGR)
- 6.39%
- 5.82%
- Revenue Growth (5Y CAGR)
- 6.51%
- 6.17%
- EPS Growth (3Y CAGR)
- 4.69%
- 1.31%
- EPS Growth (5Y CAGR)
- 5.21%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $292.96K
- $359.04K
- Profits Per Employee
- $78.07K
- $110.51K
- Employee Count
- 3,001
- 492
- WACC
- 8.51%
- 8.00%
Income statement (TTM)Industry
- Pretax Income
- $308.05M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $424.64M
- $166.15M
- Net Cash Per Share
- $8.07
- $8.19
- Equity (Book Value)
- $2.03B
- $570.13M
- Book Value Per Share
- $38.59
- $28.22
- Tangible Book Value
- $1.06B
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$47.82M
- -$4.27M
- FCF Per Share
- $5.12
- $3.35
Dividends and yieldsIndustry
- Earnings Yield
- 6.90%
- 8.32%
- FCF Yield
- 7.95%
- 9.23%
- Dividend Yield
- 2.88%
- 2.44%
- Buyback Yield
- 0.57%
- 1.80%
- Shareholder Yield
- 3.46%
- 3.22%
- Dividend Per Share
- $1.86
- $0.92
- Dividend Growth (YoY)
- 2.20%
- 4.26%
- Years of Dividend Growth
- 16
- 2
- Payout Ratio
- 42.1%
- 29.0%
- FCF Payout Ratio
- 36.6%
- 24.8%
Taxes and interestIndustry
- Interest Expense
- $183.23M
- $24.37M
- Income Tax
- $73.77M
- $16.14M
- Effective Tax Rate
- 23.9%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $62.02
- $45.31
- Graham Upside
- -3.83%
- 18.8%
- Altman Z-Score
- 0.30
- 0.22
- Piotroski F-Score
- 7
- 6
- Lynch Fair Value
- $23.07
- –
- Lynch Upside
- -64.2%
- -0.36%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 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 | +8.6% | -2.7% | +11.3 pts | ||
| 3 months | -0.2% | -1.7% | +1.6 pts | ||
| Year to date | +14.9% | +11.9% | +3.0 pts | ||
| 1 year | +16.4% | +12.0% | +4.5 pts | ||
| 3 years | +72.6% | +78.2% | −5.5 pts | +20.0% | +21.2% |
| 5 years | +2.0% | +73.2% | −71.3 pts | +0.4% | +11.6% |
| 10 years | +60.6% | +309.6% | −249.1 pts | +4.8% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
2M CBU shares were sold short on Oct 30, 2026, down 2.7% from the previous report, or 3.58% of the shares available to trade. At recent volumes it would take 8.4 days to buy them back. Over the last 20 sessions, 64.7% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,868,433 | -2.7% | 222,349 | 8.4 |
| Oct 15, 2026 | 1,920,306 | -6.4% | 267,671 | 7.2 |
| Sep 30, 2026 | 2,051,807 | -0.3% | 371,165 | 5.5 |
| Sep 15, 2026 | 2,057,492 | +6.0% | 224,235 | 9.2 |
| Aug 31, 2026 | 1,940,546 | +3.8% | 176,119 | 11.0 |
| Aug 14, 2026 | 1,869,636 | +9.7% | 206,256 | 9.1 |
| Jul 31, 2026 | 1,704,351 | -9.4% | 294,929 | 5.8 |
| Jul 15, 2026 | 1,880,445 | -0.2% | 243,948 | 7.7 |
| Jun 30, 2026 | 1,883,663 | -6.7% | 581,251 | 3.2 |
| Jun 15, 2026 | 2,019,395 | +0.1% | 247,720 | 8.2 |
| May 29, 2026 | 2,016,546 | +0.3% | 218,059 | 9.3 |
| May 15, 2026 | 2,009,934 | -3.0% | 245,758 | 8.2 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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