COMMUNITY FINANCIAL SYSTEM, INC.
CBUNYSE
$68.85
↓ -3.0%Jul 17 close · end-of-day
Price
1Y↑ +24.6%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$3.6B
Enterprise Value
$3.1B
P/E
16.7
P/S
4.4
P/B
1.8
EV/EBITDA
—
PEG
3.6
FCF Yield
6.7%
Dividend Yield
2.7%
Revenue (TTM)
$835.0M
Net Income (TTM)
$218.1M
Free Cash Flow (TTM)
$241.7M
Gross Margin
—
Operating Margin
—
Net Margin
26.1%
ROE
10.8%
ROIC
—
Debt / Equity
—
Net Cash
$572.2M
Return 1Y
+21.6%
Company profile
Community Bank System, Inc. operates through three segments: Banking, Employee Benefit Services, and All Other. As of January 24, 2022, the company operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. The company offers various deposits products, such as checking, savings, and money market deposit accounts.
- CEO
- Mark E. Tryniski
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 3,030
- Headquarters
- New York
- Website
- cbna.com
Management & directors
- Durkee Deresa FischerSVP, Chief Accounting Officer
- Wlos Marya BurgioEVP & Chief Financial Officer
- Abdo Michael NEVP and General Counsel
- Gillan-Myer Maureen AEVP, Chief Admin & HR Officer
- Karaivanov DimitarPresident & CEO
- Durkee Matthew KSVP, Chief Banking Officer
- Levy Jeffrey MSVP & Chief Banking Officer
Roles derived from SEC Form 4 filings.
Earnings
CBU Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$213.3M↑ +8.7%
Diluted EPS$1.08↑ +16.1%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | $679.4M | $652.1M | $746.3M | $818.0M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $164.7M | $189.7M | $188.1M | $131.9M | $182.5M | $210.5M |
| Diluted EPS | $3.08 | $3.48 | $3.46 | $2.45 | $3.44 | $3.97 |
| Operating cash flow | $179.5M | $202.5M | $214.6M | $228.4M | $242.3M | $301.9M |
| Free cash flow | $164.7M | $189.2M | $201.7M | $209.8M | $221.6M | $233.3M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | 27.7% | 20.2% | 24.5% | 25.7% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $183.8M | $188.9M | $196.3M | $196.2M | $199.3M | $207.1M | $215.5M | $213.3M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $47.9M | $43.9M | $49.8M | $49.6M | $51.3M | $55.1M | $54.4M | $57.2M |
| Diluted EPS | $0.91 | $0.83 | $0.94 | $0.93 | $0.97 | $1.04 | $1.03 | $1.08 |
| Operating cash flow | $39.8M | $56.9M | $65.7M | $62.5M | $53.7M | $101.1M | $84.6M | $71.6M |
| Free cash flow | $33.8M | $51.9M | $58.5M | $52.0M | $36.4M | $83.4M | $61.6M | $60.3M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 26.1% | 23.2% | 25.4% | 25.3% | 25.8% | 26.6% | 25.3% | 26.8% |
Company news
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-25 | Bolus Mark J. | Sale | 12,191 | $67.00 | $816,785.81 | filing |
| 2026-06-10 | Durkee Deresa Fischer· SVP, Chief Accounting Officer | Tax withholding | 1,326 | $64.77 | $85,885.02 | filing |
| 2026-06-10 | Durkee Deresa Fischer· SVP, Chief Accounting Officer | Option exercise | 1,196 | $44.27 | $52,946.92 | filing |
| 2026-06-10 | Durkee Deresa Fischer· SVP, Chief Accounting Officer | Option exercise | 427 | $51.64 | $22,050.28 | filing |
| 2026-06-08 | STICKELS ERIC | Sale | 2,000 | $63.98 | $127,962.20 | filing |
| 2026-05-04 | Wlos Marya Burgio· EVP & Chief Financial Officer | Tax withholding | 273 | $63.62 | $17,368.26 | filing |
| 2026-04-29 | STEELE SALLY A | Option exercise | 9 | — | — | filing |
| 2026-04-29 | Pecor Raymond C III | Option exercise | 9 | — | — | filing |
| 2026-04-29 | Parente John | Option exercise | 9 | — | — | filing |
| 2026-04-29 | Knauss Jeffery J | Option exercise | 9 | — | — | filing |
| 2026-03-19 | Parente John | Option exercise | 1,254 | — | — | filing |
| 2026-03-19 | Pecor Raymond C III | Option exercise | 1,254 | — | — | filing |
| 2026-03-19 | STEELE SALLY A | Option exercise | 1,254 | — | — | filing |
| 2026-03-19 | Knauss Jeffery J | Option exercise | 1,254 | — | — | filing |
| 2026-03-16 | STICKELS ERIC | Option exercise | 250 | — | — | filing |
| 2026-03-04 | Karaivanov Dimitar· President & CEO | Tax withholding | 2,825 | $59.87 | $169,145.10 | filing |
| 2026-03-04 | Gillan-Myer Maureen A· EVP, Chief Admin & HR Officer | Tax withholding | 943 | $59.87 | $56,461.17 | filing |
| 2026-03-04 | Abdo Michael N· EVP and General Counsel | Tax withholding | 707 | $59.87 | $42,342.18 | filing |
| 2026-03-04 | Gillan-Myer Maureen A· EVP, Chief Admin & HR Officer | Award | 2,562 | $0.00 | $0.00 | filing |
| 2026-03-04 | Karaivanov Dimitar· President & CEO | Award | 5,224 | $0.00 | $0.00 | filing |
| 2026-03-04 | Abdo Michael N· EVP and General Counsel | Award | 1,948 | $0.00 | $0.00 | filing |
| 2026-03-02 | Karaivanov Dimitar· President & CEO | Tax withholding | 2,501 | $60.55 | $151,435.55 | filing |
| 2026-03-02 | Gillan-Myer Maureen A· EVP, Chief Admin & HR Officer | Tax withholding | 522 | $60.55 | $31,607.10 | filing |
| 2026-03-02 | Abdo Michael N· EVP and General Counsel | Tax withholding | 485 | $60.55 | $29,366.75 | filing |
| 2026-03-02 | Durkee Matthew K· SVP, Chief Banking Officer | Tax withholding | 399 | $60.55 | $24,159.45 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.