CBU
Community Financial System, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Sell
-26/100
Last price
59.58
▼ 0.55 (0.91%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
60.18
Prev close
60.13
Day high
60.51
Day low
59.58
Volume
197.93K
Market cap
$3.13B
P/E (TTM)
13.95
52W range
53.46 – 71.11
Day trading desk
Gap from prior close
+0.08%
Prior close 60.13
VWAP
59.70
-0.19% from price
Relative volume
1.20×
Normal
Session range
1.56%
59.58 – 60.51
Position in range
0%
Near session low
ATR (14D)
1.09
1.82% of price
Prior day high
60.70
PDH
Prior day low
59.89
PDL
Bid / ask spread
—
Quote not published
Session volume
308.16K
Avg 256.98K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.42%
-2.4%
1M
-6.69%
-7.8%
3M
-8.77%
-13.3%
6M
-1.34%
-19.5%
YTD
+3.73%
-10.5%
1Y
+1.40%
-15.0%
3Y
+41.15%
-41.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
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.
Free account
5 more panels on CBU open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-11.34K
Net selling
Buy transactions
8
2.85K shares
Sell transactions
2
14.19K shares
Net transactions
+10
Buys less sells
Sell : buy shares
5.0 : 1
Mixed
Insider-held shares
397.25K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 9, 26 | SINGH SAVNEET Director |
BUY | 400 | $24.99K | Direct |
| Aug 27, 26 | VACCARO JOHN A. Director |
BUY | 317 | $20.01K | Direct |
| Aug 24, 26 | HALL BRENDA M Director |
BUY | 476 | $30.27K | Direct |
| 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 | KNAUSS JEFFERY J Director |
— | 9 | — | Direct |
| Apr 29, 26 | PECOR RAYMOND C III Director |
— | 9 | — | Direct |
| Apr 29, 26 | PARENTE JOHN Director |
— | 9 | — | Direct |
| Apr 29, 26 | STEELE SALLY A Director |
— | 9 | — | Direct |
| Mar 19, 26 | KNAUSS JEFFERY J 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 | STEELE SALLY A Director |
— | 1.25K | — | 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 | Conversion of Exercise of derivative security |
Fundamentals
Market cap$3.13B
Enterprise value$3.66B
Revenue (TTM)$838.16M
Gross profit$838.16M
EBITDA—
Net income$229.02M
EPS (TTM)$4.27
Free cash flow—
Total cash$247.94M
Total debt$772.15M
Book value / share$39.41
Shares outstanding52.62M
Float52.12M
Short % of float5.41%
Dividend yield3.16%
Beta (5Y)0.78
Valuation & profitability ratios
Trailing P/E13.95
Forward P/E11.47
PEG ratio2.62
Price / sales—
Price / book1.51
EV / revenue4.37
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 | YoY |
|---|---|---|---|---|---|
| Total revenue | $818.29M | $746.30M | $651.88M | $679.36M | +9.6% |
| Operating revenue | $818.29M | $746.30M | $651.88M | $679.36M | +9.6% |
| Selling, general & admin | $329.05M | $316.84M | $297.53M | $270.43M | +3.9% |
| Pre-tax income | $275.39M | $236.71M | $168.23M | $240.31M | +16.3% |
| Tax provision | $64.94M | $54.22M | $36.31M | $52.23M | +19.8% |
| Net income | $210.46M | $182.48M | $131.92M | $188.08M | +15.3% |
| Net income to common | $209.58M | $181.74M | $131.48M | $187.55M | +15.3% |
| Basic EPS | 3.98 | 3.44 | 2.54 | 3.48 | +15.7% |
| Diluted EPS | 3.97 | 3.44 | 2.53 | 3.46 | +15.4% |
| Basic shares | 52.88M | 53.05M | 53.74M | 54.05M | -0.3% |
| Diluted shares | 53.01M | 53.05M | 53.95M | 54.36M | -0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $287.00M | $191.89M | $190.96M | $209.90M | +49.6% |
| Accounts receivable | $57.73M | $54.34M | $54.53M | $52.61M | +6.2% |
| Property, plant & equipment | $246.50M | $183.76M | $173.42M | $160.78M | +34.1% |
| Goodwill & intangibles | $942.72M | $901.47M | $897.99M | $902.84M | +4.6% |
| Total assets | $17.30B | $16.39B | $15.56B | $15.84B | +5.6% |
| Current debt | $0 | $118.00M | $53.00M | $768.40M | -100.0% |
| Long-term debt | $458.77M | $619.31M | $407.60M | $22.72M | -25.9% |
| Total debt | $458.77M | $737.31M | $460.60M | $791.12M | -37.8% |
| Total liabilities | $15.30B | $14.62B | $13.86B | $14.28B | +4.6% |
| Retained earnings | $1.39B | $1.28B | $1.19B | $1.15B | +8.8% |
| Shareholder equity | $2.01B | $1.76B | $1.70B | $1.55B | +13.8% |
| Net tangible assets | $1.06B | $861.36M | $799.95M | $648.87M | +23.4% |
| Shares issued | 54.91M | 54.70M | 54.37M | 54.19M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $210.46M | $182.48M | $131.92M | $188.08M | +15.3% |
| Depreciation & amortisation | $30.20M | $28.66M | $28.35M | $30.43M | +5.4% |
| Stock-based compensation | $10.86M | $8.37M | $9.27M | $7.74M | +29.7% |
| Change in working capital | $7.57M | -$5.88M | $1.11M | -$6.23M | +228.8% |
| Operating cash flow | $301.86M | $242.28M | $228.42M | $214.60M | +24.6% |
| Capital expenditure | -$68.53M | -$20.70M | -$18.59M | -$12.92M | -231.0% |
| Investing cash flow | -$182.10M | -$835.62M | $335.78M | -$2.14B | +78.2% |
| Share buybacks | -$11.17M | -$45.84M | -$30.02M | -$16.61M | +75.6% |
| Dividends paid | -$97.56M | -$95.78M | -$95.10M | -$93.39M | -1.9% |
| Financing cash flow | -$15.01M | $599.38M | -$583.13M | $259.22M | -102.5% |
| Free cash flow | $233.33M | $221.57M | $209.84M | $201.68M | +5.3% |
| End cash position | $301.75M | $197.00M | $190.96M | $209.90M | +53.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $223.62M | $213.61M | $215.74M | $207.05M | $199.26M | +4.7% |
| Operating revenue | $223.62M | $213.61M | $215.74M | $207.05M | $199.26M | +4.7% |
| Selling, general & admin | $84.99M | $82.86M | $85.34M | $81.12M | $83.02M | +2.6% |
| Pre-tax income | $80.81M | $74.61M | $71.92M | $73.17M | $66.04M | +8.3% |
| Tax provision | $19.48M | $17.40M | $17.50M | $18.08M | $14.71M | +12.0% |
| Net income | $61.33M | $57.22M | $54.42M | $55.09M | $51.33M | +7.2% |
| Net income to common | $61.18M | $57.02M | $54.21M | $54.85M | $51.09M | +7.3% |
| Basic EPS | 1.16 | 1.08 | 1.03 | 1.04 | 0.97 | +7.4% |
| Diluted EPS | 1.16 | 1.08 | 1.03 | 1.04 | 0.97 | +7.4% |
| Basic shares | 52.87M | 52.98M | 52.84M | 52.97M | 52.92M | -0.2% |
| Diluted shares | 52.91M | 52.98M | 52.96M | 53.04M | 53.12M | -0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $243.41M | $557.41M | $287.00M | $230.49M | $231.18M | — | -56.3% |
| Accounts receivable | $60.89M | $56.56M | $57.73M | $54.53M | $57.58M | — | +7.7% |
| Property, plant & equipment | $250.25M | $247.44M | $246.50M | $212.67M | $201.10M | — | +1.1% |
| Goodwill & intangibles | $963.69M | $943.31M | $942.72M | $899.97M | $898.38M | — | +2.2% |
| Total assets | $17.76B | $17.74B | $17.30B | $16.96B | $16.67B | — | +0.1% |
| Current debt | $172.80M | — | $0 | $67.90M | $130.40M | $0 | — |
| Long-term debt | $433.72M | $446.32M | $458.77M | $471.28M | $583.44M | — | -2.8% |
| Total debt | $606.52M | $446.32M | $458.77M | $539.18M | $713.84M | — | +35.9% |
| Total liabilities | $15.69B | $15.72B | $15.30B | $15.02B | $14.78B | — | -0.2% |
| Retained earnings | $1.46B | $1.42B | $1.39B | $1.36B | $1.33B | — | +2.6% |
| Shareholder equity | $2.07B | $2.02B | $2.01B | $1.94B | $1.88B | — | +2.4% |
| Net tangible assets | $1.11B | $1.08B | $1.06B | $1.04B | $984.71M | — | +2.6% |
| Shares issued | 52.60M | 55.00M | 54.91M | 54.89M | 54.89M | — | -4.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $61.33M | $57.22M | $54.42M | $55.09M | $51.33M | +7.2% |
| Depreciation & amortisation | $10.70M | $9.71M | $8.34M | $7.32M | $7.22M | +10.2% |
| Stock-based compensation | $2.76M | $2.97M | $2.97M | $2.33M | $2.52M | -7.2% |
| Change in working capital | -$25.25M | -$7.42M | -$1.62M | $28.64M | -$13.61M | -240.4% |
| Operating cash flow | $51.05M | $71.56M | $84.58M | $101.09M | $53.69M | -28.7% |
| Capital expenditure | -$9.67M | -$11.26M | -$23.01M | -$17.66M | -$17.30M | +14.1% |
| Investing cash flow | -$179.77M | -$202.66M | $283.69M | -$281.82M | -$153.66M | +11.3% |
| Share buybacks | -$564.00K | -$15.51M | -$44.00K | -$11.03M | -$42.00K | +96.4% |
| Dividends paid | -$24.71M | -$24.82M | -$24.73M | -$24.31M | -$24.24M | +0.5% |
| Financing cash flow | -$185.28M | $401.52M | -$311.76M | $188.73M | -$180.80M | -146.1% |
| Free cash flow | $41.38M | $60.30M | $61.57M | $83.42M | $36.38M | -31.4% |
| End cash position | $258.17M | $572.17M | $301.75M | $245.25M | $237.25M | -54.9% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
65.00
+9.1% 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
65.00
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.
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 | $226.93M | +9.6% |
| Next quarter | 1.22 | 6 | $232.78M | +8.0% |
| Current year | 4.60 | 6 | $896.01M | +9.5% |
| Next year | 5.20 | 6 | $965.02M | +7.7% |
Analyst targets & ownership
Mean target$69.17
High target$75.00
Low target$65.00
Implied upside16.09%
Analyst count6
ConsensusHOLD
Strong buy / Buy0 / 1
Hold5
Sell / Strong sell0 / 0
Held by insiders0.75%
Held by institutions79.79%
Institutions holding386
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
60.32
-1.23% from price
SMA 20
61.31
-2.82% from price
SMA 50
63.07
-5.53% from price
SMA 100
64.20
-7.20% from price
SMA 200
62.78
-5.10% from price
EMA 12
60.56
-1.62% from price
EMA 26
61.53
-3.17% from price
EMA 50
62.59
-4.81% from price
RSI (14)
35.5
Neutral
MACD (12,26,9)
-0.97
Hist -0.05
ATR (14)
1.09
1.82% of price
Realised vol 30D
14.2%
Annualised
Bollinger upper
63.68
20, 2σ
Bollinger lower
58.95
20, 2σ
50 / 200 cross
Golden
63.07 vs 62.78
Trend bias
Below 200
-5.10%
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.
Risk profile
Beta vs SPY
0.53
Less volatile than market
Correlation to SPY
0.30
Largely independent
Realised vol 30D
14.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.7%
Peak to trough
Max drawdown 5Y
-51.8%
Peak to trough
ATR 14
1.09
1.82% of price
Beta (reported)
0.78
5Y monthly, from filing
Short interest
Shares short
2.06M
Prior 1.87M
Change vs prior
+10.0%
Shorts adding
% of float
5.41%
Normal
% of shares out
3.91%
Against total outstanding
Days to cover
10.3
Crowded exit
Float
52.12M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 6, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Aug 3, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 30, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 30, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Feb 25, 26 | DA Davidson | INITIATED | — | Neutral |
| Jan 13, 26 | Janney Montgomery Scott | DOWNGRADE | Buy | Neutral |
| Oct 23, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 23, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 22, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Dec 4, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Oct 28, 24 | Raymond James | UPGRADE | Market Perform | Strong Buy |
| Sep 10, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
Dividends & splits
Forward rate$1.90 / yr
Forward yield3.16%
5-year avg yield3.04%
Payout ratio43.62%
Ex-dividend dateSep 15, 2026
Next pay dateOct 13, 2026
Last split2:1
Split dateApr 13, 2004
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-21
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-28
Annual report of employee stock purchase
11-K · 2026-06-18
Corporate Changes & Voting Matters
8-K · 2026-06-01
Corporate Changes & Voting Matters
8-K · 2026-05-22
Corporate Changes & Voting Matters
8-K · 2026-05-13
Periodic Financial Reports
10-Q · 2026-05-08
Headlines
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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