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CBU · Community Financial System, Inc.

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$63.14 -1.47 (-2.28%) At close · Aug 19
Market Cap
$3.40B
Shares
52.62M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$63.14 Open$64.87 Day$62.91–65.06 52W close$53.67–70.99 Avg vol 30d250K Short int1.7M · 3.2% float · 5.8d Short vol58% Last earningsJul 28, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Oct 28, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Neutral Momentum Weak Sentiment Bullish Fundamentals Strong Quant / Vol Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +2%
      above
      Price vs 50-day avg −4%
      below
      RSI (14) 38
      neutral
      MACD trend Negative
      52-week position 55%
      mid-range
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Weak
      1-month return −6%
      trailing
      6-month return 0%
      trailing
      YTD return +10%
      this year
      Relative strength −11%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $66 › 200d $62 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +42 funds added
      Insider flow Distributing
      Net -$944.7K over 90 days · 100% sells
      Short interest Falling
      3.24% of float · ▼ -9.4% MoM · 5.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      275 holders — near 3-yr high, broad support
      Squeeze score 49
      elevated · 0–100
      Fundamentals
      Strong
      Revenue growth +10%
      Y/Y
      EPS growth +15%
      Y/Y
      Free cash flow $233.3M
      Valuation P/E 15
      rich
      Balance sheet $442.6M
      net debt
      Quant / Vol
      risk profile
      Low
      Volatility 24%
      annualized · 1-yr
      Max drawdown −17%
      past year
      ATR 2.3%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2024
      going forward
      OpEx run rate 3% – 6%
      per year
      Revenue from creative plan designs acquisition $3M – $4M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 5 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +2% Bullish
      Price vs 50-day avg
      −4% Neutral
      RSI (14)
      38 Neutral
      MACD trend
      Negative Bearish
      52-week position
      55% Neutral
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $66 › 200d $62 — 50d above 200d
      Institutional flow Accumulating
      +3% holders QoQ · +42 funds added
      Insider flow Distributing
      Net -$944.7K over 90 days · 100% sells
      Short interest Falling
      3.24% of float · ▼ -9.4% MoM · 5.8 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      275 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $54 Now $63 · 55% Range high $71
      vs 200-day avg +2% vs 50-day avg -4%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Effective income tax rate 24.1% the second quarter of 2026 filing —
      Efficiency ratio 61.7% Three Months Ended June 30, 2026 filing —
      Fully tax-equivalent net interest income non-GAAP $140M second quarter of 2026 filing —
      Net interest spread 3.03% Three Months Ended June 30, 2026 filing —
      Net interest spread (FTE) non-GAAP 3.05% Three Months Ended June 30, 2026 filing —
      Operating earnings per share non-GAAP $1.16 second quarter of 2026 filing —
      Operating efficiency ratio non-GAAP 60.6% Three Months Ended June 30, 2026 filing —
      Operating net income non-GAAP $61.5M second quarter of 2026 filing —
      Operating noninterest expenses non-GAAP $8.7M the second quarter of 2026 compared to the prior year second qua filing —
      Operating noninterest expenses/average assets non-GAAP 3.02% Three Months Ended June 30, 2026 filing —
      Operating Return on Equity (non-GAAP) non-GAAP 12.13% Three Months Ended June 30, 2026 filing —
      Ratio of noninterest revenues to total revenues 37.6% the second quarter of 2026 filing —
      Ratio of operating noninterest revenues to operating revenues (FTE) non-GAAP 36.2% the second quarter of 2026 filing —
      Total operating noninterest revenues non-GAAP $79.3M second quarter of 2026 filing —
      Allowance for credit losses as a percentage of total loans outstanding 0.81% second quarter of 2026 —
      Average cost of funds 1.18% second quarter of 2026 —
      Average interest-bearing deposit rate 1.44% second quarter of 2026 —
      Cost of interest-bearing liabilities 1.56% second quarter of 2026 —
      Fully tax-equivalent net interest margin non-GAAP 3.49% second quarter of 2026 —
      Loan-to-deposit ratio 76.7% 2nd Qtr —
      Net charge-offs 3.3M 2nd Qtr —
      Net charge-offs/average loans 0.12% 2nd Qtr —
      Net interest margin 3.46% second quarter of 2026 —
      Nonowner occupied and multifamily CRE exposure as a percentage of total bank-level regulatory ca 201% second quarter of 2026 —
      Nonowner occupied and multifamily CRE exposure as a percentage of total loans 25% second quarter of 2026 —
      Nonperforming loans as a percentage of total loans outstanding 0.5% second quarter of 2026 —
      Operating pre-tax, pre-provision net revenue (non-GAAP) non-GAAP 85.58M 2nd Qtr —
      GAAP → non-GAAP reconciliation
      GAAP Net income (GAAP) 61.33M
      +19.48M Income taxes
      +4.61M Provision for credit losses
      +231K Acquisition expenses
      -103K Acquisition-related contingent consideration adjustments
      +0K Restructuring expenses
      +335K Litigation accrual
      -4.71M (Gain) loss on equity securities
      +4.41M Amortization of intangible assets
      = Operating pre-tax, pre-provision net revenue (non-GAAP) 85.58M
      Operating pre-tax, pre-provision net revenue per share (non-GAAP) non-GAAP $1.62 2nd Qtr —
      GAAP → non-GAAP reconciliation
      GAAP Diluted earnings per share (GAAP) $1.16
      +$0.37 Income taxes
      +$0.09 Provision for credit losses
      +$0 Acquisition expenses
      +$0 Acquisition-related contingent consideration adjustments
      +$0 Restructuring expenses
      +$0.01 Litigation accrual
      -$0.09 (Gain) loss on equity securities
      +$0.08 Amortization of intangible assets
      = Operating pre-tax, pre-provision net revenue per share (non-GAAP) $1.62
      Operating return on tangible equity (non-GAAP) non-GAAP 21.76% 2nd Qtr —
      Return on tangible equity (non-GAAP) non-GAAP 22.91% 2nd Qtr —
      Shareholders' equity to assets ratio 11.67% second quarter of 2026 —
      Tangible book value (non-GAAP) non-GAAP $21.96 2nd Qtr 2026 —
      Tangible equity to tangible assets ratio non-GAAP 6.86% second quarter of 2026 —
      Tier 1 leverage ratio 9.26% second quarter of 2026 —
      Total delinquent loans as a percentage of total loans outstanding 1.04% second quarter of 2026 —
      Total operating noninterest expenses (non-GAAP) non-GAAP 132.86M 2nd Qtr —
      GAAP → non-GAAP reconciliation
      GAAP Noninterest expenses (GAAP) $137.73M
      -$231K Acquisition expenses
      +$103K Acquisition-related contingent consideration adjustments
      +$0K Restructuring expenses
      -$335K Litigation accrual
      -$4.41M Amortization of intangible assets
      = Total operating noninterest expenses (non-GAAP) $132.86M
      Total operating revenues (FTE) (non-GAAP) non-GAAP 219.34M 2nd Qtr —
      Total operating revenues (non-GAAP) non-GAAP 218.45M 2nd Qtr —
      GAAP → non-GAAP reconciliation
      GAAP Total revenues (GAAP) $223.16M
      -$4.71M (Gain) loss on equity securities
      = Total operating revenues (non-GAAP) $218.45M
      Total tangible assets (non-GAAP) non-GAAP 16.85B 2nd Qtr —
      GAAP → non-GAAP reconciliation
      GAAP Total assets (GAAP) $17.76B
      -$963.69M Goodwill and intangible assets, net
      +$45.87M Deferred taxes on goodwill and intangible assets, net
      = Total tangible assets (non-GAAP) $16.85B
      Total tangible common equity (non-GAAP) non-GAAP 1.15B 2nd Qtr —
      GAAP → non-GAAP reconciliation
      GAAP Shareholders' equity (GAAP) $2.07B
      -$963.69M Goodwill and intangible assets, net
      +$45.87M Deferred taxes on goodwill and intangible assets, net
      = Total tangible common equity (non-GAAP) $1.15B
      Yield on interest-earning assets 4.61% second quarter of 2026 —
      new branches opened 15 full year 2025 —
      Operating return on assets non-GAAP 1.34% full year 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      CBU
      Community Financial System, Inc.
      this stock
      		$3.40B +9.9% +9.6% 15.0 3.2%
      MFG
      Mizuho Financial Group Inc
      		 $131.93B +38.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.6% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -1.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $101.11B +18.1% +7.2% 14.0 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      275
      % held
      77.1%
      Net QoQ
      +536.9K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      298
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      1.7M
      Days to cover
      5.8d
      Change
      -176.1K sh
      View
      Short Volume
      Short vol %
      58%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      102
      Value
      $6.6K
      As of
      Jul 30, 2026
      View
      Off-Exchange
      Off-exchange %
      36.4%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$944.7K
      Buyers / Sellers
      0 / 2
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Lisa McClain
      Amount
      $1.0K–$15.0K
      Traded
      Jun 17, 2025
      View
      Financials
      Financials
      Revenue (FY)
      $818.0M
      Net income (FY)
      $210.5M
      EPS diluted
      $3.97
      View
      Buybacks
      Authorized
      shares 2.6M
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 7, 2026
      This year
      14
      View
      Proposed Sales
      Value
      $1.1M
      Shares
      16.0K
      Filed
      Jul 20, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 28, 2026
      View
      Investor Relations
      Latest news
      Community Financial System, Inc.…
      Published
      Jul 28, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      CBU -3.0% -6.1% +0.2% -2.6% +9.9%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -2.6% -9.0% -11.4% -5.5% -2.9%

      Capital returns

      Latest dividend
      $0.47 / share · ex Jun 15, 2026
      Declared · upcoming
      $0.49 / share · ex Sep 15, 2026
      Raised 2.2%
      Paid (TTM)
      $1.88 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.98%
      Buyback program · as of Dec 31, 2025
      Authorized
      shares 2.63M
      Spent (derived)
      —
      Remaining
      —

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 723188 CUSIP 203607106 13F (30d) 247 filings 242 filers Visit website Investor relations

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