Community Bank System Inc.

CBU | NYSE

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$61.09

-$0.91 (-1.47%)

At close: Sep 21, 2026, 4:00 PM ET

$61.09

$0 (0.00%)

After-hours: Sep 21, 2026, 4:01 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $3.21B

Enterprise Value $3.72B

Beta 0.79

Average Volume 273.02K

Shares Outstanding (Diluted) 52.92M

Shares Change YoY -0.38%

Institutional Ownership 75.45%

Exchange NYSE

ISIN US2036071064

Price Performance

Price Change 1M -3.8%

Price Change 3M -5.4%

Price Change 6M 6.0%

Price Change YTD 5.2%

Price Change 1Y 1.8%

Price Change 3Y 50.3%

Price Change 5Y -9.2%

1M CAGR (ann.) -5.1%

1Y CAGR (ann.) 1.5%

5Y CAGR (ann.) 1.0%

All-Time CAGR 8.5%

Valuation

PE Ratio 14.17

Forward PE 11.79

PEG Ratio 0.84

Forward PEG 1.08

PS Ratio 3.07

Forward PS 3.30

PB Ratio 1.55

P/FCF Ratio 14.19

P/Adj. FCF Ratio 14.90

P/OCF Ratio 10.48

EV/Sales 3.55

EV/EBIT 12.37

EV/EBITDA 11.40

EV/FCF 16.43

Earnings Yield 7.1%

FCF Yield 7.0%

Adj. FCF Yield 6.7%

Financial Health

Net Debt $505.92M

Total Debt $764.1M

Cash & Short-Term Investments $258.17M

Total Assets $17.76B

Current Ratio 14.48

Quick Ratio 14.48

Debt / Equity Ratio 0.37

Debt / EBITDA 2.34

Debt / FCF 3.38

OCF / Debt 0.41

Interest Coverage 1.60

Altman Z-Score 0.54

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 80.1%

Operating Profit Margin 28.7%

EBITDA Margin 32.1%

Net Profit Margin 21.8%

FCF Margin 21.6%

Adj. FCF Margin 20.6%

SBC / Revenue 1.1%

SBC Impact (per share) -4.8%

Returns

Return on Assets 1.3%

Return on Equity 11.3%

Return on Invested Capital 1.3%

Return on Capital Employed 1.7%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 14.1%

Revenue CAGR 5Y 10.9%

Revenue CAGR 10Y 9.7%

EPS CAGR 3Y 14.5%

EPS CAGR 5Y 4.3%

EPS CAGR 10Y 7.0%

FCF CAGR 3Y 0.1%

FCF CAGR 5Y 2.3%

FCF CAGR 10Y 7.5%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 12

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 26, 2026

EPS Estimate (next Q) $1.18

EPS Growth Est (next Q) 13.5%

Revenue Est (next Q) $226.79M

Revenue Growth Est (next Q) 9.5%

Fair Value Estimates

Graham Number $61.66

Graham Upside 0.9%

Lynch Fair Value $21.55

Lynch Upside -64.7%

Price Target $73

Price Target Upside 19.5%

Cash Flow

Operating Cash Flow $310.91M

Free Cash Flow $226.27M

Adj. Free Cash Flow $215.49M

FCF Per Share $4.37

OCF Per Share $5.83

OCF/S Ratio 29.4%

Income Statement

Revenue $1.05B

Gross Profit $838.44M

Operating Income $300.52M

EBITDA $325.89M

Net Income $228.06M

EPS (Diluted) $4.31

Revenue / Employee $357.66K

Profit / Employee $77.92K

Employees 2,927

Dividends

Annual Dividend $1.90

Dividend Yield 3.11%

Payout Ratio 44.1%

FCF Payout Ratio 43.4%

Adj. FCF Payout Ratio 45.5%

Dividend Growth (YoY) 2.7%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026