CBU
COMMUNITY FINANCIAL SYSTEM, INC.Company Information
- Company Name
- COMMUNITY FINANCIAL SYSTEM, INC.
- CIK
- CIK0000723188
- Category
- Large accelerated filer
- Ticker: Exchange
- CBU: NYSE
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6021
- SIC Description
- National Commercial Banks
- Ticker
- CBU
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-09-09
- Last sale
- 2026-06-25
- Shares purchased (TTM)
- 1,193
- Shares sold (TTM)
- 27,887.19
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 41,035,774
- Shares outstanding
- 52,613,000
- Ownership
- 78.00%
Earnings Market Reaction
- Filing date
- 2026-08-07
- Price on filing date
- —
- 1-month reaction
- -2.61%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Cash Equivalents At Carrying Value | 258 | 572 | 302 | 245 | 237 | 518 | 197 | 346 | 201 | 338 | 191 | 456 | ||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 2,958 | 2,848 | 2,875 | 2,859 | 2,832 | 2,827 | 2,786 | 2,886 | 2,809 | 2,864 | 2,920 | 2,768 | ||||||
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss Current | 1,478 | 1,461 | 1,454 | 1,442 | 1,431 | 1,394 | 1,345 | 1,319 | 1,271 | 1,217 | 1,172 | 1,126 | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 11,283 | 11,131 | 10,950 | 10,750 | 10,519 | 10,421 | 10,432 | 10,252 | 10,024 | 9,884 | 9,705 | 9,450 | ||||||
Assets | ||||||||||||||||||
| Assets | 17,764 | 17,745 | 17,303 | 16,958 | 16,665 | 16,764 | 16,386 | 16,405 | 15,907 | 15,859 | 15,556 | 15,386 | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -92 | -90 | -88 | -85 | -82 | -83 | -79 | -76 | -71 | -70 | -67 | -65 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 11,191 | 11,041 | 10,862 | 10,665 | 10,437 | 10,338 | 10,353 | 10,176 | 9,952 | 9,813 | 9,638 | 9,385 | ||||||
| Goodwill | 901 | 889 | 888 | 856 | 855 | 855 | 853 | 852 | 852 | 850 | 845 | 845 | ||||||
| Intangible Assets Net Including Goodwill | 964 | 943 | 943 | 900 | 898 | 900 | 901 | 901 | 906 | 904 | 898 | 901 | ||||||
| Property Plant And Equipment Net | 250 | 247 | 247 | 213 | 201 | 190 | 184 | 178 | 178 | 171 | 173 | 175 | ||||||
| Interest Receivable | 61 | 57 | 58 | 55 | 58 | 54 | 54 | 51 | 58 | 54 | 55 | 47 | ||||||
| Equity Method Investments | 36 | 37 | 37 | 37 | - | - | 0 | - | - | - | - | - | ||||||
| Other Assets | 479 | 457 | 449 | 462 | 483 | 463 | 478 | 466 | 444 | 426 | 436 | 462 | ||||||
| Noninterest Bearing Deposit Liabilities | 3,873 | 3,733 | 3,683 | 3,687 | 3,589 | 3,526 | 3,557 | 3,587 | 3,649 | 3,555 | 3,639 | 3,781 | ||||||
| Interest Bearing Deposit Liabilities | 10,838 | 11,137 | 10,704 | 10,370 | 10,113 | 10,366 | 9,884 | 9,889 | 9,488 | 9,797 | 9,290 | 9,250 | ||||||
| Deposits | 14,710 | 14,870 | 14,387 | 14,057 | 13,702 | 13,892 | 13,442 | 13,476 | 13,138 | 13,352 | 12,928 | 13,031 | ||||||
| Securities Sold Under Agreements To Repurchase | 158 | 201 | 231 | 224 | 181 | 267 | 262 | 317 | 215 | 287 | 305 | 330 | ||||||
| Federal Home Loan Bank Advances Long Term | - | - | - | - | - | - | - | - | - | 395 | 408 | 317 | ||||||
| Junior Subordinated Notes | - | - | - | - | - | - | - | - | - | - | 0 | 0 | ||||||
| Liabilities | 15,691 | 15,721 | 15,297 | 15,019 | 14,782 | 14,930 | 14,623 | 14,620 | 14,237 | 14,202 | 13,858 | 13,831 | ||||||
| Preferred Stock Value Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Value Outstanding | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 54 | 54 | ||||||
| Additional Paid In Capital | 1,100 | 1,094 | 1,088 | 1,085 | 1,082 | 1,078 | 1,076 | 1,069 | 1,066 | 1,064 | 1,060 | 1,057 | ||||||
| Retained Earnings Accumulated Deficit | 1,457 | 1,420 | 1,388 | 1,358 | 1,328 | 1,301 | 1,275 | 1,250 | 1,230 | 1,206 | 1,189 | 1,179 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -418 | -424 | -419 | -453 | -487 | -505 | -548 | -494 | -586 | -584 | -557 | -692 | ||||||
| Treasury Stock Value | -126 | -126 | -111 | -111 | -100 | -100 | -101 | -100 | -100 | -89 | -56 | -51 | ||||||
| Deferred Compensation Arrangement With Individual Recorded Liability | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 7 | 7 | ||||||
| Liabilities And Stockholders Equity | 17,764 | 17,745 | 17,303 | 16,958 | 16,665 | 16,764 | 16,386 | 16,405 | 15,907 | 15,859 | 15,556 | 15,386 | ||||||
Stockholders Equity | ||||||||||||||||||
| Stockholders Equity | 2,073 | 2,024 | 2,006 | 1,939 | 1,883 | 1,834 | 1,763 | 1,785 | 1,670 | 1,657 | 1,698 | 1,555 | ||||||
| Restricted Cash | 15 | 15 | 15 | 15 | 6 | 5 | 5 | 5 | - | - | 0 | - | ||||||
| Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest After Allowance For Credit Loss Current | 3,238 | 3,133 | 3,149 | 3,158 | 3,169 | 3,182 | 3,192 | 3,204 | 3,242 | 3,287 | 3,302 | 3,315 | ||||||
| Held To Maturity Securities Fair Value | 1,372 | 1,362 | 1,370 | 1,361 | 1,336 | 1,306 | 1,220 | 1,277 | 1,168 | 1,132 | 1,122 | 991 | ||||||
| Preferred Stock Par Or Stated Value Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Par Or Stated Value Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| Common Stock Shares Authorized | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | ||||||
| Common Stock Shares Issued | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 55 | 54 | 54 | ||||||
| Treasury Stock Common Shares | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | ||||||
| Deferred Compensation Arrangement With Individual Common Stock Reserved For Future Issuance | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
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Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialCOMMUNITY FINANCIAL SYSTEM, INC. (CBU) — SEC Financial Statements & Analysis
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) is a national commercial banks company, incorporated in DE. COMMUNITY FINANCIAL SYSTEM, INC. trades on NYSE as: CBU. COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07. Based on that filing, COMMUNITY FINANCIAL SYSTEM, INC. carries a market cap of $3.53B, a P/E ratio of 15.48x, a P/B ratio of 1.70x, a P/S ratio of 4.88x, an enterprise value of $3.27B, and an EV/EBITDA multiple of -15.20x. On profitability, it posts a gross margin of 74.05%, an operating margin of 41.56%, a net margin of 31.54%, a Return on Equity (ROE) of 11.53%, and a Return on Invested Capital (ROIC) of -10.22%. Per share, it reports EPS of $4.33, diluted EPS of $4.32, free cash flow per share of $4.69, and a dividend per share of $1.87. Over the trailing year, it posted revenue growth of 7.23% year-over-year, net income growth of 17.17% year-over-year, and EPS growth of 17.55% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.44x, free cash flow of $246.67M (TTM), and net debt of $-258.17M. Figures sourced from SEC EDGAR.
- Market Cap
- $3.53B
- P/E TTM
- 15.48x
- EPS TTM
- $4.33
- P/B TTM
- 1.70x
- ROE TTM
- 11.53%
- Free Cash Flow TTM
- $246.67M
- Net Revenue TTM Growth 1Y
- 7.23%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is COMMUNITY FINANCIAL SYSTEM, INC. in?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) operates in the National Commercial Banks industry.
What exchange does CBU trade on?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) trades on the NYSE.
Where is COMMUNITY FINANCIAL SYSTEM, INC. incorporated?
COMMUNITY FINANCIAL SYSTEM, INC. is incorporated in DE.
When was COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s most recent SEC filing?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-07.
What is CBU's market cap?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) has a market capitalization of $3.53B as of 2026-06-30.
What is CBU's P/E ratio?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s trailing twelve month P/E ratio is 15.48x as of 2026-06-30.
What is CBU's EPS (earnings per share)?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s trailing twelve month EPS is $4.33 as of 2026-06-30.
What is CBU's ROE (return on equity)?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s trailing twelve month Return on Equity (ROE) is 11.53% as of 2026-06-30.
What is CBU's ROIC (return on invested capital)?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s trailing twelve month Return on Invested Capital (ROIC) is -10.22% as of 2026-06-30.
What is CBU's EV/EBITDA?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s trailing twelve month EV/EBITDA is -15.20x as of 2026-06-30.