NYSE · Banks - Regional

CBU (CBU) Stock

$64.75 -2.76% NYSE: CBU Financial Services

Valuation

MetricValue
Price$64.75
Market Cap$3.40B
P/E Ratio15.72
P/B Ratio1.64
P/S Ratio3.20
EPS (TTM)$3.97
52-Week High$70.74
52-Week Low$51.12
Dividend Yield3.00%

Financials & Margins

MetricValue
ROE10.47%
ROA1.21%
ROCE13.71%
Gross Margin27.20%
Operating Margin27.20%
Net Margin21.26%
Debt/Equity0.32
Current Ratio1.48

Annual Financials (USD)

Metric20212022202320242025
Revenue$634.0M$702.0M$756.0M$941.0M$1.0B
Operating Profit$241.0M$240.0M$168.0M$237.0M$275.0M
Net Profit$190.0M$188.0M$132.0M$182.0M$210.0M
EPS$3.48$3.46$2.45$3.44$3.97
Op Margin38.1%34.2%22.3%25.2%27.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$15.6B$15.8B$15.6B$16.4B$17.4B
Total Liabilities$13.5B$14.3B$13.9B$14.6B$15.4B
Cash$1.9B$210.0M$191.0M$192.0M$302.0M
Borrowings$330.0M$1.1B$765.0M$999.0M$747.0M

Latest News

CBU: Raising target price to $75.00 Argus Research · Jul 15, 2026 Community Financial System Director Sells 12,190 Shares. What Does This Mean for Investors? Motley Fool · Jul 3, 2026 Community Financial System Insider Sold Shares Worth $816,786, According to a Recent SEC Filing MT Newswires · Jun 29, 2026 3 Reasons to Avoid CBU and 1 Stock to Buy Instead StockStory · Jun 19, 2026 Community Financial System Announces Second Quarter 2026 Earnings Conference Call Business Wire · Jun 17, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$203.0M$215.0M$228.0M$242.0M$302.0M
Investing Cash Flow$-1.5B$-2.2B$317.0M$-856.0M$-251.0M
Financing Cash Flow$1.7B$-417.0M$-159.0M$420.0M$386.0M
Net Cash Flow$229.0M$-1.7B$-19.0M$6.0M$105.0M
Free Cash Flow$189.0M$202.0M$210.0M$222.0M$233.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y24.10%
Return 3Y49.35%
Return 5Y9.51%

Ownership

Insiders Held0.75%
Institutions Held79.24%
Institutions Float Held79.85%
Institutional HolderSharesReport Date
Blackrock Inc.7,513,8222026-03-31
Neuberger Berman Group, LLC3,715,4252026-03-31
Vanguard Portfolio Management LLC3,525,7602026-03-31
State Street Corporation3,150,3402026-03-31
FMR, LLC3,026,3722026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BKU $47.60 -0.63% 12.76 $3.46B 2.79%
CATY $63.55 +1.58% 12.34 $4.26B 2.50%
FBK $61.87 -0.29% 21.73 $3.19B 1.53%
FHB $28.00 -0.30% 12.01 $3.41B 3.93%
FULT $24.68 +1.15% 10.06 $4.72B 3.50%

About CBU

CBU stock trades at $64.75 with a market capitalization of $3.40B. The stock is valued at a price-to-earnings (P/E) ratio of 15.72, price-to-book of 1.64, price-to-sales of 3.20. Over the past 52 weeks the stock has ranged between $51.12 and $70.74, and currently trades 8.5% below its 52-week high. It pays a dividend yielding 3.00%.

On profitability, CBU generates a return on equity (ROE) of 10.47%, return on capital employed of 13.71%, an operating margin of 27.20%, a net profit margin of 21.26%.

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