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CBU

Community Financial System, Inc.
$67.61 -0.84 (-1.23%) At close · Jul 2
Market Cap
$3.55B
Shares
52,554,929

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$67.61 Open$68.87 Day$67.02–69.23 52W$49.91–69.23 Avg vol 30d300K Short int2.0M · 3.8% float · 8.2d Short vol87% Last earningsApr 29, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 8
Equibles Rating blended score · not investment advice
Overall
Buy
Technical · trend & momentum Strong Buy
50 / 200-day cross no cross
+ Price vs 200-day avg +11% above
+ Price vs 50-day avg +6% above
RSI (14) 60 · neutral
+ MACD trend positive
+ 52-week position 92% · near high
Sentiment · smart money Bearish
Trend (MA cross) 50d $64 › 200d $61 — 50d above 200d
Institutional flow 1 of 264 funds reported for Jun 30 · net 0 sh shares
Insider flow Net -$944.7K over 90 days · 100% sells
Short interest 3.84% of float · ▲ +0.1% MoM · 8.2 days cover
Volume signal Volume near normal
+ Institution breadth 264 holders — near 3-yr high, broad support
Fundamentals Excellent
+ Revenue growth +10% Y/Y
+ EPS growth +15% Y/Y
+ Free cash flow $233.3M
Valuation P/E 16.4 · rich
+ Balance sheet net cash $301.8M

Blended from price, positioning & fundamentals · daily-close · not investment advice.

Up next
Next earnings call
Jul 30, 2026 Est · unconfirmed · in 3 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 8, 2026
AI Brief

TL;DR.

Bullish
    Bearish

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

      Technicals

      trend & momentum for long-term holders Strong Buy
      0 · 2 · 4
      50 / 200-day cross
      no cross Neutral
      Price vs 200-day avg
      +11% above Bullish
      Price vs 50-day avg
      +6% above Bullish
      RSI (14)
      60 · neutral Neutral
      MACD trend
      positive Bullish
      52-week position
      92% · near high Bullish
      Market signals — smart money & positioning
      Bearish · 2 of 6
      Trend (MA cross) No cross
      50d $64 › 200d $61 — 50d above 200d
      Institutional flow Flat
      1 of 264 funds reported for Jun 30 · net 0 sh shares
      Insider flow Distributing
      Net -$944.7K over 90 days · 100% sells
      Short interest Rising
      3.84% of float · ▲ +0.1% MoM · 8.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      264 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $50 Now $68 · 92% 52-wk high $69
      vs 200-day avg +11% vs 50-day avg +6%

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

      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
      $3.55B +18.7% +9.6% 16.4 3.8%
      HDB
      Hdfc Bank Ltd
      $132.30B -29.5% +15.2% 0.2%
      MFG
      Mizuho Financial Group Inc
      $121.09B +35.8% 0.3%
      IBN
      Icici Bank Ltd
      $105.76B -1.0% 0.7%
      PNC
      Pnc Financial Services Group, Inc.
      $100.19B +20.4% +7.2% 14.5 1.9%

      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
      Holders
      264
      % held
      69.5%
      Reported
      1 of 264
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      290
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      2.0M
      Days to cover
      8.2d
      Change
      +2.8K sh
      View
      Short Volume
      Short vol %
      87%
      As of
      Jul 2, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      247
      Value
      $15.7K
      As of
      Jun 5, 2026
      View
      Off-Exchange
      Off-exchange %
      34.1%
      Week of
      May 4, 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
      8-K
      Filed
      Jun 1, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $816.0K
      Shares
      12.2K
      Filed
      Jun 26, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Apr 29, 2026
      View
      Investor Relations
      Upcoming events
      1
      View

      Performance

      5D 20D 120D MTD YTD
      CBU -0.2% +9.9% +10.8% +0.7% +18.7%
      SPY +1.4% -1.3% +8.0% -0.3% +9.2%
      vs SPY -1.6% +11.2% +2.8% +1.0% +9.5%

      Capital returns

      Latest dividend
      $0.47 / share · ex Jun 15, 2026
      Raised 2.2%
      Paid (TTM)
      $1.88 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.78%
      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) 3 filings 2 filers Visit website