COMMUNITY FINANCIAL SYSTEM, INC.

CBU

COMMUNITY FINANCIAL SYSTEM, INC.

CBU

Insider Sentiment (TTM):

Last Purchase:2024-11-05Last Sale:2026-06-25Shares Purchased (TTM):0Shares Sold (TTM):29,327.19

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:39,046,381Shares Outstanding:52,655,000Institutional Ownership Pct.:74.16%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	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
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 Accru…	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…	1,478	1,461	1,454	1,442	1,431	1,394	1,345	1,319	1,271	1,217	1,172	1,126
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 Excluding Accrued Interest Be…	-	11,131	10,950	10,750	10,519	10,421	10,432	10,252	10,024	9,884	9,705	9,450
Financing Receivable Allowance For Credit Loss Exc…	-	-90	-88	-85	-82	-83	-79	-76	-71	-70	-67	-65
Financing Receivable Excluding Accrued Interest Af…	-	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
Stockholders Equity
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
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
Accumulated Other Comprehensive Income Loss Net Of…	-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 …	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
Restricted Cash	15	15	15	15	6	5	5	5	-	-	0	-
Debt Securities Available For Sale Amortized Cost …	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	1	1	1	1	1	1	1	1	1	1	1
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	1	1	1	1	1	1	1	1	1	1	1
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 …	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-0.50%	6.24%	5.88%	-	-	-	-	-	-	-	-	-
2025	-0.46%	1.90%	-3.13%	10.13%	10.69%	6.37%	0.85%	5.72%	11.01%	-6.27%	5.42%	2.77%
2024	-3.75%	0.99%	34.39%	6.55%	0.47%	-0.73%	-1.39%	-10.41%	-5.27%	-8.25%	-14.96%	-7.49%
2023	-	-	-	-9.22%	-18.43%	-25.31%	13.49%	27.14%	18.72%	1.33%	-0.79%	8.28%
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Performance and Valuation Metrics

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Metrics	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
Leverage & Debt
Interest Coverage TTM	-0.44	-0.45	-0.46	-0.46	-0.47	-0.46	-0.15	0.25	0.98	2.59	2.62	3.44
Per Share Metrics
Diluted EPS TTM	4.32	4.13	3.98	3.90	3.68	3.61	3.45	3.16	3.16	3.13	2.46	2.81
Free Cash Flow Per Share TTM	4.69	4.59	4.43	4.37	3.77	3.72	4.20	3.87	3.97	4.02	3.91	4.46
Dividend Per Share TTM	1.87	1.86	1.85	1.84	1.83	1.82	1.82	1.82	1.81	1.79	1.77	1.77
Margin Metrics
Gross Profit Margin TTM	74.05%	73.22%	72.44%	71.70%	70.83%	70.21%	69.79%	68.31%	70.51%	73.64%	78.03%	84.83%
Operating Profit Margin TTM	41.56%	40.15%	39.38%	38.97%	37.35%	37.65%	36.78%	34.84%	36.21%	37.72%	31.07%	36.94%
Net Profit Margin TTM	31.54%	30.64%	30.10%	29.93%	28.86%	29.04%	28.36%	26.84%	28.07%	29.39%	24.37%	29.04%
Growth Metrics
Net Revenue Growth (1Y)	7.23%	8.06%	8.66%	10.94%	13.61%	15.90%	18.87%	19.44%	19.34%	20.40%	22.01%	24.03%
Net Income Growth (1Y)	17.17%	14.03%	15.33%	23.70%	16.81%	14.51%	38.32%	10.38%	7.28%	13.74%	-29.86%	-15.84%
EPS Growth (1Y)	17.55%	14.16%	15.45%	23.30%	16.57%	15.62%	40.54%	12.44%	9.33%	15.05%	-29.47%	-15.32%
Valuation Metrics
P/E TTM	15.48	14.06	14.16	14.67	14.95	15.07	17.01	17.36	14.02	14.24	19.49	13.67
P/B TTM	1.70	1.51	1.49	1.56	1.55	1.57	1.76	1.62	1.40	1.43	1.51	1.33
P/S TTM	4.88	4.31	4.26	4.39	4.32	4.38	4.82	4.66	3.94	4.18	4.75	3.97
Market Cap	3.53B	3.07B	2.98B	3.02B	2.91B	2.88B	3.10B	2.89B	2.34B	2.38B	2.57B	2.06B
Enterprise Value	3.27B	2.49B	2.68B	2.77B	2.67B	2.36B	2.91B	2.54B	2.13B	2.04B	2.38B	1.61B
Calculated Values
Free Cash Flow TTM	246.67M	241.68M	233.33M	230.30M	198.80M	196.19M	221.57M	203.05M	209.03M	213.87M	209.84M	238.48M
Net Debt	-258.17M	-572.17M	-301.76M	-245.25M	-237.25M	-518.02M	-197.00M	-346.11M	-201.49M	-338.38M	-190.96M	-455.81M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-25Sale

Owner: Bolus, Mark J.

Title: -

Shares: 12,191

Price/Share: $67.00

Value: $816,785.61

Shares Owned: 94,060

Relationship: Director

Ownership: Direct

2026-06-08Sale

Owner: Stickels, Eric

Title: -

Shares: 2,000

Price/Share: $63.98

Value: $127,960.00

Shares Owned: 31,592

Relationship: Director

Ownership: Direct

2026-02-04Sale

Owner: Whipple, John F.

Title: -

Shares: 4,246

Price/Share: $65.17

Value: $276,711.82

Shares Owned: 8,506

Relationship: Director

Ownership: Direct

2026-02-03Sale

Owner: Steele, Sally A

Title: -

Shares: 4,000

Price/Share: $64.12

Value: $256,480.00

Shares Owned: 39,964

Relationship: Director

Ownership: Direct

2026-02-03Sale

Owner: Stickels, Eric

Title: -

Shares: 2,000

Price/Share: $64.75

Value: $129,500.00

Shares Owned: 33,342

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-25	Bolus, Mark J.	Director	-	Direct	Sale	12,191	67.00	$816,785.61	94,060	4
2026-06-08	Stickels, Eric	Director	-	Direct	Sale	2,000	63.98	$127,960.00	31,592	4
2026-02-04	Whipple, John F.	Director	-	Direct	Sale	4,246	65.17	$276,711.82	8,506	4
2026-02-03	Steele, Sally A	Director	-	Direct	Sale	4,000	64.12	$256,480.00	39,964	4
2026-02-03	Stickels, Eric	Director	-	Direct	Sale	2,000	64.75	$129,500.00	33,342	4
2025-12-29	Gillan-Myer, Maureen A	Officer	EVP, Chief Admin & HR Officer	Indirect	Sale	3,450	58.85	$203,053.69	0	4
2025-08-27	Levy, Jeffrey M	Officer	SVP & Chief Banking Officer	Direct	Sale	1,440	61.38	$88,387.20	6,657	4
2025-01-24	Levy, Jeffrey M	Officer	SVP & Chief Banking Officer	Direct	Sale	1,136	65.98	$74,953.28	6,539	4
2024-11-25	Whipple, John F.	Director	-	Direct	Sale	3,937	73.10	$287,794.70	5,823	4
2024-11-06	Bolus, Mark J.	Director	-	Direct	Sale	4,092	70.10	$286,849.20	98,928	4
2024-11-05	Macpherson, Kerrie D.	Director	-	Direct	Purchase	320	62.20	$19,904.00	2,982	4/A
2024-06-13	Karaivanov, Dimitar	Director,Officer	President & CEO	Direct	Purchase	1,000	43.52	$43,520.00	19,653	4
2024-02-21	Bolus, Mark J.	Director	-	Direct	Sale	3,631	45.00	$163,395.00	96,364	4
2024-02-14	Karaivanov, Dimitar	Director,Officer	President & CEO	Direct	Purchase	1,000	43.70	$43,700.00	16,265	4
2024-01-29	Steele, Sally A	Director	-	Direct	Sale	3,501	48.76	$170,708.76	33,634	4
2023-12-26	Steele, Sally A	Director	-	Direct	Sale	9,400	53.05	$498,670.00	33,634	4
2023-10-27	Levy, Jeffrey M	Officer	President, Commercial Banking	Direct	Purchase	1,300	38.60	$50,180.00	5,924	4
2023-09-22	Ace, Brian R	Director	-	Direct	Purchase	2,410	41.37	$99,701.70	65,421	4
2023-09-07	Karaivanov, Dimitar	Officer	EVP, Chief Operating Officer	Direct	Purchase	1,000	44.50	$44,500.00	15,265	4
2023-08-16	Karaivanov, Dimitar	Officer	EVP, Chief Operating Officer	Direct	Purchase	1,000	48.50	$48,500.00	14,265	4
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Institutional Ownership

No data available for chart

2026-03-31

74.16%

Inst. Shares: 39,046,381

Shares Outstanding: 52,655,000

2025-12-31

74.47%

Inst. Shares: 39,245,034

Shares Outstanding: 52,700,000

2025-09-30

72.65%

Inst. Shares: 38,280,710

Shares Outstanding: 52,689,000

2025-06-30

72.13%

Inst. Shares: 38,071,480

Shares Outstanding: 52,785,000

2025-03-31

70.38%

Inst. Shares: 37,098,456

Shares Outstanding: 52,715,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	39,046,381	52,655,000	74.16%
2025-12-31	39,245,034	52,700,000	74.47%
2025-09-30	38,280,710	52,689,000	72.65%
2025-06-30	38,071,480	52,785,000	72.13%
2025-03-31	37,098,456	52,715,000	70.38%
2024-12-31	37,367,991	52,755,000	70.83%
2024-09-30	35,678,707	52,520,000	67.93%
2024-06-30	36,716,111	52,674,000	69.70%
2024-03-31	36,352,056	53,228,000	68.29%
2023-12-31	37,789,664	53,601,000	70.50%
2023-09-30	37,579,167	53,502,000	70.24%
2023-06-30	38,895,228	53,679,000	72.46%
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COMMUNITY 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), COMMUNITY FINANCIAL SYSTEM, INC. reported a 7.23% year-over-year revenue growth, a Gross Profit Margin of 74.05% (TTM), a Price-to-Sales (P/S) ratio of 4.88x (TTM), a Price-to-Book (P/B) ratio of 1.70x (TTM), at a market cap of $3.53B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 7.23%
Gross Profit Margin TTM: 74.05%
P/S TTM: 4.88x
P/B TTM: 1.70x
Market Cap: $3.53B

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 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 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.