CBU · Community Financial System, Inc.
$60.38
-0.31 (-0.51%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$3.15B
Shares
52.62M
Volume · Oct 5
20.82K
Avg daily vol (3M)
255.42K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$60.69
Open$60.28
Day$60.28–61.26
52W close$53.67–70.99
Avg vol 30d265K
Short int2.1M · 3.9% float · 9.2d
Short vol63%
Last earningsOct 27, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 27, 2026
Scheduled
· in 3 wks
filed Aug 7, 2026
call held Apr 29, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
—
Trailing 12 months
Net income (TTM)
—
Trailing 12 months
Revenue growth YoY
—
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
3.1%
Trailing 12 months
Shares change YoY
—
Year over year · more shares
Price change (1Y)
+4.9%
Trailing year
Short interest
3.9%
Latest settlement · 9.2 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−3%
below
Price vs 50-day avg
−4%
below
RSI (14)
41
neutral
MACD trend
Negative
52-week position
41%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−4%
trailing
6-month return
−4%
trailing
YTD return
+6%
this year
Relative strength
−16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $63 › 200d $63 — 50d above 200d
Institutional flow
Accumulating
1 of 280 funds reported for Sep 30 · net +359 sh shares
Insider flow
Accumulating
Net +$75.3K over 90 days · 0% sells
Short interest
Rising
3.91% of float · ▲ +6.0% MoM · 9.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
280 holders — near 3-yr high, broad support
Squeeze score
63
elevated · 0–100
Fundamentals
Revenue growth
+10%
Y/Y
EPS growth
+15%
Y/Y
Free cash flow
$233.3M
Valuation
P/E 13.9
in line
Balance sheet
$27.7M
net cash
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
1.9%
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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−3%
Neutral
Price vs 50-day avg
−4%
Neutral
RSI (14)
41
Neutral
MACD trend
Negative
Bearish
52-week position
41%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $63 › 200d $63 — 50d above 200d
Institutional flow
Accumulating
1 of 280 funds reported for Sep 30 · net +359 sh shares
Insider flow
Accumulating
Net +$75.3K over 90 days · 0% sells
Short interest
Rising
3.91% of float · ▲ +6.0% MoM · 9.2 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 $61 · 41%
Range high $71
vs 200-day avg -3%
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 |
|---|---|---|---|
| Average governmental deposits as a percentage of total average deposits | 12.9% | the second quarter of 2026 filing | — |
| Average non-maturity deposits as a percentage of average deposit funding base | 85.8% | the second quarter of 2026 filing | — |
| Average noninterest checking deposits as a percentage of average total deposits | 25.7% | the second quarter filing | — |
| Business lending delinquency ratio | 0.47% | the end of the first quarter filing | — |
| Delinquent loans as a percent of total loans | 1.04% | the second quarter filing | — |
| Effective duration of the investment securities portfolio | 5 | end of the second quarter of 2026 filing | — |
| Effective income tax rate | 24.1% | second quarter of 2026 filing | — |
| Effective tax rate adjusted to exclude stock-based compensation and amortization of income tax c non-GAAP | 23.1% | second quarter of 2026 filing | — |
| Efficiency ratio | 61.7% | Three Months Ended June 30, 2026 filing | — |
| Fully tax-equivalent adjustment (non-GAAP) non-GAAP | $1.74M | Three Months Ended June 30, 2026 filing | — |
| fully tax-equivalent net interest margin non-GAAP | 3.49% | the second quarter of 2026 filing | — |
| Net interest earnings (FTE) (non-GAAP) non-GAAP | $275.6M | Three Months Ended June 30, 2026 filing | — |
| Net interest margin (FTE) (non-GAAP) non-GAAP | 3.47% | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income (GAAP) 139.14M
+893K Fully tax-equivalent adjustment (non-GAAP)
= Net interest margin (FTE) (non-GAAP) 140.04M
|
|||
| Net interest spread | 3.01% | Three Months Ended June 30, 2026 filing | — |
| Net interest spread (FTE) non-GAAP | 3.05% | three months ended June 30, 2026 filing | — |
| Net interest spread (FTE) (non-GAAP) non-GAAP | 3.03% | Three Months Ended June 30, 2026 filing | — |
| Noninterest revenues/total revenues | 37.6% | Three Months Ended June 30, 2026 filing | — |
| Operating diluted earnings per share (non-GAAP) non-GAAP | $1.16 | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Subtotal (non-GAAP) $1.1
+$0.08 Amortization of intangible assets
-$0.02 Tax effect of amortization of intangible assets
= Operating diluted earnings per share (non-GAAP) $1.16
|
|||
| Operating efficiency ratio (non-GAAP) non-GAAP | 60.6% | Three Months Ended June 30, 2026 filing | — |
| Operating net income (non-GAAP) non-GAAP | 61.46M | three months ended June 30, 2026 filing | — |
| Operating noninterest expenses/average assets (non-GAAP) non-GAAP | 3.02% | Three Months Ended June 30, 2026 filing | — |
| Operating noninterest revenues/operating revenues (FTE basis) (non-GAAP) non-GAAP | 36.2% | Three Months Ended June 30, 2026 filing | — |
| Operating pre-tax, pre-provision net revenue (non-GAAP) non-GAAP | 85.58M | three months ended June 30, 2026 filing | — |
| Operating pre-tax, pre-provision net revenue per share (non-GAAP) non-GAAP | $1.62 | three months ended June 30, 2026 filing | — |
| Pre-tax, pre-provision net revenue (non-GAAP) non-GAAP | $85.42M | Three Months Ended June 30, 2026 filing | — |
| Pre-tax, pre-provision net revenue per share (non-GAAP) non-GAAP | $1.62 | Three Months Ended June 30, 2026 filing | — |
| Quarterly average cost of deposits | 1.07% | the second quarter of 2026 filing | — |
| Shareholders' equity-to-assets ratio | 11.67% | the end of the second quarter of 2026 filing | — |
| Tangible equity-to-tangible assets ratio non-GAAP | 6.86% | the end of the second quarter of 2026 filing | — |
| Total operating noninterest expenses (non-GAAP) non-GAAP | $132.86M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Noninterest expenses (GAAP) 137.73M
-231K Acquisition expenses
+103K Acquisition-related contingent consideration adjustments
-335K Litigation accrual
+0K Restructuring expenses
-4.41M Amortization of intangible assets
= Total operating noninterest expenses (non-GAAP) 132.86M
|
|||
| Total operating noninterest revenues (non-GAAP) non-GAAP | $79.3M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Noninterest revenues (GAAP) 84.01M
-4.71M (Gain) loss on equity securities
= Total operating noninterest revenues (non-GAAP) 79.3M
|
|||
| Total operating revenues (non-GAAP) non-GAAP | $218.45M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total revenues (GAAP) 223.16M
-4.71M (Gain) loss on equity securities
= Total operating revenues (non-GAAP) 218.45M
|
|||
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CBU
this stock
Community Financial System, Inc.
|
$3.15B | +5.7% | +9.6% | 13.9 | 3.9% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 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 sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CBU | -1.4% | -4.4% | -3.6% | +1.9% | +5.7% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -1.2% | -4.0% | -15.8% | +1.0% | -7.2% |
Capital returns
Latest dividend
$0.49
/ share · ex Sep 15, 2026
Paid (TTM)
$1.90
/ share · 4 payouts
Dividend yield (TTM, derived)
3.13%
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.