CBU
Community Financial System, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
63.56
▲ 0.43 (0.68%)
MARKET · —
Price
Open
63.13
Prev close
63.13
Day high
63.79
Day low
62.94
Volume
120.93K
Market cap
$3.34B
P/E (TTM)
14.85
52W range
53.46 – 71.11
Trailing performance
Returnvs SPY
1W
-3.46%
-2.1%
1M
-4.76%
-8.5%
3M
+0.63%
-2.5%
6M
-2.20%
-13.3%
YTD
+10.65%
-1.6%
1Y
+11.24%
-8.8%
3Y
+31.32%
-42.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$3.34B
Enterprise value$3.87B
Revenue (TTM)$838.16M
Gross profit$838.16M
EBITDA—
Net income$229.02M
EPS (TTM)$4.28
Free cash flow—
Total cash$247.94M
Total debt$772.15M
Book value / share$39.41
Shares outstanding52.62M
Float52.12M
Short % of float4.48%
Dividend yield2.99%
Beta (5Y)0.79
Valuation & profitability ratios
Trailing P/E14.85
Forward P/E12.25
PEG ratio2.62
Price / sales—
Price / book1.61
EV / revenue4.62
EV / EBITDA—
Gross margin0.00%
Operating margin39.21%
Profit margin27.21%
Return on equity11.53%
Return on assets1.33%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $818.01M | $746.30M | $652.12M | $679.36M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $210.46M | $182.48M | $136.51M | $188.08M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $210.46M | $182.48M | $136.51M | $188.08M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.18 | 1.10 | -6.8% |
| Mar 2026 | 1.09 | 1.09 | -0.2% |
| Dec 2025 | 1.13 | 1.07 | -5.3% |
| Sep 2025 | 1.05 | 1.05 | +0.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.19 | 6 | $227.31M | +9.8% |
| Next quarter | 1.21 | 6 | $231.84M | +7.6% |
| Current year | 4.59 | 6 | $895.52M | +9.5% |
| Next year | 5.19 | 6 | $964.04M | +7.6% |
Analyst targets & ownership
Mean target$70.17
High target$75.00
Low target$68.00
Implied upside10.39%
Analyst count6
ConsensusHOLD
Strong buy / Buy0 / 1
Hold5
Sell / Strong sell0 / 0
Held by insiders0.75%
Held by institutions79.60%
Institutions holding383
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
-982
Net selling
Buy transactions
13
16.66K shares
Sell transactions
3
17.64K shares
Net transactions
+16
Buys less sells
Sell : buy shares
1.1 : 1
Mixed
Insider-held shares
396.20K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 25, 26 | BOLUS MARK J Director |
SELL | 12.19K | $816.79K | Direct |
| Jun 10, 26 | DURKEE DERESA FISCHER Officer |
CONVERSION | 1.62K | $75.00K | Direct |
| Jun 8, 26 | STICKELS ERIC E Director |
SELL | 2.00K | $127.96K | Direct |
| Apr 29, 26 | STEELE SALLY A Director |
— | 9 | — | Direct |
| Apr 29, 26 | PECOR RAYMOND C III Director |
— | 9 | — | Direct |
| Apr 29, 26 | PARENTE JOHN Director |
— | 9 | — | Direct |
| Apr 29, 26 | KNAUSS JEFFERY J Director |
— | 9 | — | Direct |
| Mar 19, 26 | STEELE SALLY A Director |
— | 1.25K | — | Direct |
| Mar 19, 26 | PECOR RAYMOND C III Director |
— | 1.25K | — | Direct |
| Mar 19, 26 | PARENTE JOHN Director |
— | 1.25K | — | Direct |
| Mar 19, 26 | KNAUSS JEFFERY J Director |
— | 1.25K | — | Direct |
| Mar 16, 26 | STICKELS ERIC E Director |
— | 250 | — | Direct |
| Mar 4, 26 | KARAIVANOV DIMITAR Chief Executive Officer |
STOCK | 5.22K | $0 | Direct |
| Mar 4, 26 | GILLAN-MYER MAUREEN A Officer |
STOCK | 2.56K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ABDO MICHAEL N. |
General Counsel | 10.74K | Stock Award(Grant) |
BOLUS MARK J |
Director | 125.95K | Sale |
KARAIVANOV DIMITAR |
Chief Executive Officer | 26.93K | Stock Award(Grant) |
LEVY JEFFREY M |
Officer | 12.72K | Sale |
PARENTE JOHN |
Director | 102.65K | Conversion of Exercise of derivative security |
PECOR RAYMOND C III |
Director | 22.73K | Conversion of Exercise of derivative security |
STEELE SALLY A |
Director | 45.81K | Conversion of Exercise of derivative security |
STICKELS ERIC E |
Director | 47.10K | Sale |
SUTARIS JOSEPH E |
Chief Financial Officer | 31.02K | Stock Award(Grant) |
WHIPPLE JOHN F JR |
Director | 8.51K | Sale |
Moving averages & technicals
SMA 10
64.50
-1.46% from price
SMA 20
65.01
-2.23% from price
SMA 50
65.93
-3.60% from price
SMA 100
64.31
-1.16% from price
SMA 200
62.10
+2.35% from price
EMA 12
64.53
-1.50% from price
EMA 26
65.20
-2.51% from price
EMA 50
65.23
-2.57% from price
RSI (14)
40.5
Neutral
MACD (12,26,9)
-0.67
Hist -0.23
ATR (14)
1.17
1.84% of price
Realised vol 30D
22.1%
Annualised
Bollinger upper
67.06
20, 2σ
Bollinger lower
62.96
20, 2σ
50 / 200 cross
Golden
65.93 vs 62.10
Trend bias
Above 200
+2.35%
Risk profile
Beta vs SPY
0.58
Less volatile than market
Correlation to SPY
0.31
Loosely linked
Realised vol 30D
22.1%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-16.7%
Peak to trough
Max drawdown 5Y
-51.8%
Peak to trough
ATR 14
1.17
1.84% of price
Beta (reported)
0.79
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
70.00
+10.1% from spot
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
2
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
70.00
3 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
New Hampshire Shores Trust Expands CFSI's Advisor-Friendly Trust Services Capabilities
ACCESS Newswire · 12d ago
Community Financial System (CBU) Stock May Be 37% Undervalued On Dividend Hike
Simply Wall St. · 22d ago
Community Financial System Inc (CBU) Q2 2026 Earnings Call Highlights: Record Earnings and ...
GuruFocus.com · 25d ago
Community Financial System Q2 Earnings Call Highlights
MarketBeat · 25d ago
Community Financial (CBU) Reports Q2 Earnings: What Key Metrics Have to Say
Zacks · 25d ago
Community Bank’s (NYSE:CBU) Q2 CY2026 Sales Beat Estimates
StockStory · 25d ago
Community Financial System (CBU) Q2 Earnings Lag Estimates
Zacks · 25d ago
Community Financial: Q2 Earnings Snapshot
Associated Press · 25d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.