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CBU · Community Financial System, Inc.

Track CBU — free
Market Cap
$3.29B
Shares
52.62M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$62.54 Open$63.43 Day$62.26–63.43 52W close$53.67–70.99 Avg vol 30d200K Short int1.9M · 3.7% float · 11.0d Short vol54% Last earningsJul 28, 2026 DataJan 2020–Sep 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Oct 28, 2026 Est · unconfirmed · in 6 wks
filed Aug 7, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$858.94M
Trailing 12 months
Net income (TTM)
$228.06M
Trailing 12 months
Revenue growth YoY
+12.0%
Year over year
Operating margin
Trailing 12 months
P / E (TTM)
14.5
Trailing earnings · reciprocal yield 6.9%
FCF yield
7.5%
TTM · current market cap
Return on invested capital
Trailing 12 months
Net cash
Latest balance sheet
Dividend yield
2.3%
Trailing 12 months
Shares change YoY
-0.2%
Year over year · fewer shares
Price change (1Y)
+4.9%
Trailing year
Short interest
3.7%
Latest settlement · 11.0 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Neutral Momentum Neutral Sentiment Neutral Fundamentals Excellent Quant / Vol Very Low
Market backdrop VIX 15.8 · calm Equity put/call 0.58
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg −0%
below
Price vs 50-day avg −4%
below
RSI (14) 41
neutral
MACD trend Positive
52-week position 51%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Neutral
1-month return −5%
trailing
6-month return +11%
trailing
YTD return +9%
this year
Relative strength −7%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $65 › 200d $63 — 50d above 200d
Institutional flow Accumulating
+5% holders QoQ · +42 funds added
Insider flow Distributing
Net -$741.5K over 90 days · 25% sells
Short interest Rising
3.69% of float · ▲ +3.8% MoM · 11.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
280 holders — near 3-yr high, broad support
Squeeze score 52
elevated · 0–100
Fundamentals
Excellent
Revenue growth +10%
Y/Y
EPS growth +15%
Y/Y
Free cash flow $233.3M
Valuation P/E 14.5
in line
Balance sheet $27.7M
net cash
Quant / Vol
risk profile
Very Low
Volatility 23%
annualized · 1-yr
Max drawdown −17%
past year
ATR 1.8%
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, 2026
Expense growth · full year 4% – 7%

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

Technicals

trend & momentum for long-term holders Neutral
0 · 6 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−0% Neutral
Price vs 50-day avg
−4% Neutral
RSI (14)
41 Neutral
MACD trend
Positive Bullish
52-week position
51% Neutral
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $65 › 200d $63 — 50d above 200d
Institutional flow Accumulating
+5% holders QoQ · +42 funds added
Insider flow Distributing
Net -$741.5K over 90 days · 25% sells
Short interest Rising
3.69% of float · ▲ +3.8% MoM · 11.0 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
280 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $54 Now $63 · 51% Range high $71
vs 200-day avg 0% vs 50-day avg -4%

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

Key metrics

Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.

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
$3.29B +8.9% +9.6% 14.5 3.7%
MFG
Mizuho Financial Group Inc
$138.58B +56.4% 0.1%
HDB
Hdfc Bank Ltd
$119.92B -36.1% -3.2% 0.7%
CIXPF
CaixaBank/ADR
$107.26B +26.7% 0.1%
IBN
Icici Bank Ltd
$105.48B -1.4% 0.6%

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
280
% held
78.0%
Net QoQ
+978.1K sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
297
View
Short & Settlement
Short Interest Rising
Shares short
1.9M
Days to cover
11.0d
Change
+70.9K sh
View
Short Volume
Short vol %
54%
As of
Sep 11, 2026
Short Total
View
Fails to Deliver
FTD shares
10
Value
$665
As of
Aug 4, 2026
View
Off-Exchange
Off-exchange %
30.9%
Week of
Aug 3, 2026
Off-exch Lit
View
Smart Money
Insider Trades Cluster buy
Net (90d)
-$741.5K
Buyers / Sellers
3 / 1
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
Aug 21, 2026
This year
15
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 -1.5% -4.8% +11.1% -0.3% +8.9%
SPY -1.2% -1.8% +17.8% -0.4% +12.1%
vs SPY -0.4% -3.0% -6.7% +0.0% -3.2%

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)
$1.41 / share · 3 payouts
Dividend yield (TTM, derived)
2.25%
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) 67 filings 67 filers Visit website Investor relations