CBU · Community Financial System, Inc. · Metrics
$64.49
-0.18 (-0.28%)
At close · Nov 12
Return incl. dividend (before tax)
Play latest call
Q3 2026 earnings call transcript
Market Cap
$3.38B
Shares
52.38M
Volume · Nov 12
152.26K
Avg daily vol (3M)
249.77K
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CBU metrics
97 of 125 screener metrics currently available.
Market overview
2 metricsShare price
$64.49
Market cap
$3.38B
Price action
23 metricsPrice change (1W)
-1.6%
Price change (30D)
+10.0%
Price change (3M)
-0.7%
Price change (6M)
+5.6%
Price change (YTD)
+12.6%
Price change (1Y)
+12.7%
Trailing year
Price change (5Y)
-13.8%
52-week high
$70.99
52-week low
$53.67
Change from 52-week high
-8.9%
Change from 52-week low
+20.5%
Annualized volatility
22.3%
Annualized volatility (3M)
18.1%
Implied volatility (30D)
34.9%
IV rank (1Y)
—
IV percentile (1Y)
—
Beta
0.5
RSI (14D)
59.4
Price vs SMA 50
+4.6%
Price vs SMA 200
+2.7%
Avg volume (3M)
250,113
Relative volume
0.5
Average dollar volume
$15.54M
Company
3 metricsSector
Financial Services
Industry
Banks - Regional
Shares outstanding
52.38M
Valuation
12 metricsP / E (TTM)
14.6
Trailing earnings · reciprocal yield 6.9%
PEG ratio
1.3
EV / revenue
4.3×
reciprocal yield 23.3%
EV / EBITDA
—
EV / EBIT
—
P / sales
3.9×
reciprocal yield 26.0%
P / book
1.7
reciprocal yield 59.9%
FCF yield
8.0%
TTM · current market cap
Buyback yield
0.9%
P / FCF
12.6
reciprocal yield 8.0%
P / operating cash flow
10.7
reciprocal yield 9.4%
Earnings yield
6.9%
Historical valuation
8 metricsP / E historical average (3Y)
16.4×
reciprocal yield 6.1%
P / E historical average (5Y)
17.4×
reciprocal yield 5.7%
EV / revenue historical average (3Y)
4.6×
reciprocal yield 21.9%
EV / revenue historical average (5Y)
6.8×
reciprocal yield 14.7%
EV / EBIT historical average (3Y)
—
EV / EBIT historical average (5Y)
—
EV / EBITDA historical average (3Y)
—
EV / EBITDA historical average (5Y)
—
Dividends & buybacks
7 metricsDividend yield
2.9%
Trailing 12 months
Payout ratio
42.1%
Shareholder yield
3.9%
Dividend / share (TTM)
$1.90
Dividend growth YoY
+2.7%
Dividend growth streak
5+
Stored dividend history starts 2020
Last ex-dividend
2026-09-15
Earnings calendar
2 metricsNext earnings
—
Last earnings
2026-10-27
Profitability
9 metricsGross margin
—
Operating margin
—
Trailing 12 months
Net margin
26.6%
Gross profit (TTM)
—
Operating profit (TTM)
—
Net income (TTM)
$234.28M
Trailing 12 months
Diluted EPS (TTM)
$4.43
FCF margin
30.7%
Effective tax rate
23.9%
Growth
11 metricsRevenue growth YoY
+9.8%
Year over year
Net income growth YoY
+11.3%
Revenue (TTM)
$879.18M
Trailing 12 months
EPS growth YoY
+11.5%
Shares change YoY
0.0%
Year over year · fewer shares
Revenue CAGR (3Y)
+6.4%
Revenue CAGR (5Y)
+6.5%
EPS CAGR (3Y)
+4.7%
EPS CAGR (5Y)
+5.2%
FCF CAGR (3Y)
+5.0%
FCF CAGR (5Y)
+7.2%
Quality
14 metricsReturn on equity
11.5%
Return on assets
1.3%
Debt / equity
0.3
Current ratio
—
EBITDA (TTM)
—
Free cash flow (TTM)
$269.62M
Quick ratio
—
Interest coverage
—
Net debt / EBITDA
—
Return on invested capital
—
Trailing 12 months
Net cash
−$388.18M
Latest balance sheet
Cash & equivalents
$424.64M
Total assets
$17.79B
Total debt
$689.93M
Cash flow & spend
7 metricsOperating cash flow (TTM)
$317.44M
Capital expenditures (TTM)
$47.82M
R&D (TTM)
—
SG&A (TTM)
—
Stock compensation (TTM)
$11.49M
R&D / revenue
—
Stock compensation / revenue
1.3%
Ownership (13F)
9 metrics13F filers
282
13F filer change QoQ
+14
Institutional ownership
78.3%
Conviction holders (share of 13F filers)
0.4%
Crowding (high-turnover and private-fund holders)
10.0%
Private-fund adviser ownership
9.4%
Active holders' share change QoQ
+3.0%
Holder tenure
17.3
Price vs estimated holder cost
+9.9%
Ownership (registered funds)
1 metricsIndex-fund ownership
31.5%
Short interest
3 metricsShort interest
3.6%
Latest settlement · 8.4 days to cover
Days to cover
8.4d
Short-squeeze score
68 / 100
Insider activity
2 metricsNet insider buying (90D)
$75,265
Insider-sentiment score
82 / 100
Risk flags
1 metricsGoing concern
—
Key facts
CIK
723188
CUSIP
203607106
13F (30d)
213 filings
175 filers
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