Community Financial System (CBU) Delnica Cena

Community Financial System Cena

NYSE·ZAPRTO
63,56USD+0,43 (+0,68 %)
Trg je zaprt

Over the last 19 years Community Financial System grew revenue by 8,2% annually, reaching 818,29 Mio. USD. Earnings per share have grown at 6,2% per year over the last 19 years. For Community Financial System, the net margin of 25,7% is down versus 30,6% a few years ago. At today's price the dividend yield works out to roughly 2,93%. The payout ratio is around 47% of earnings. The dividend has grown at 4,7% per year over the past 19 years. The consensus 12-month price target for Community Financial System is 67,83 USD, about 6,7% above where the stock trades today. Of 8 analysts, 4 rate the stock a buy — an overall Buy consensus. The stock trades about 18% above its 52-week low.

Cena delnice Community Financial System

Obseg
Ex-dividenda
Podrobnosti

Cena delnice

ⓘ

Kako prebrati ta grafikon

Ta grafikon sledi zgodovinski ceni delnice Community Financial System skozi čas. Lahko preklapljate med dnevnimi, tedenskimi in mesečnimi prikazi ter izberete prilagojene časovne intervale – od enega dne do celotne razpoložljive zgodovine. Uporabite stikalo za prikaz sprememb cen v absolutnih valutnih pogojih ali kot odstotna sprememba glede na začetni datum.

Skupni prinos v primerjavi s cenovnim prinosom

Stikalo "Skupni prinos" vključuje reinvestirane dividende na vrh čistega gibanja cene. To je kritično, ker lahko dividende predstavljajo pomemben del dolgoročnih prinosov. Zgodovinsko so dividende predstavljale približno 40 % skupnega prihoda S&P 500. Vedno primerjajte skupni prinos pri vrednotenju prave zmogljivosti delnice glede na referenčni indeks.

Podatki o cenah v realnem času

Pri pregledu časovnega okvira enega dne grafikon prikazuje gibanja cen v realnem času intraday. To je koristno za opazovanje, kako se delnica Community Financial System odziva na odpiranje trga, objave dobičkov ali novice v realnem času med trgovalno sejo.

Kaj iskati

Poglejte si dolgoročne trende (trajnostna gibanja navzgor ali navzdol v mesecih in letih), podporne in odporne ravni (cenovne cone, kjer se delnica ponavljajoče odbija ali spreminja smer) in volatilnost (kako se cena nihanja dan za dnem). Primerjava grafikona cene Community Financial System z indeksom trga, kot je S&P 500, lahko razkrije, ali delnica presega ali zaostaja za širšim trgom.

Community Financial System Zgodovina cene delnice
DatumCommunity Financial System Cena
21. 8. 202663,56 USD
20. 8. 202663,13 USD
19. 8. 202663,93 USD
18. 8. 202664,45 USD
14. 8. 202665,84 USD
13. 8. 202665,67 USD
12. 8. 202665,12 USD
11. 8. 202664,88 USD
10. 8. 202663,93 USD
7. 8. 202664,85 USD
6. 8. 202665,32 USD
5. 8. 202666,41 USD
4. 8. 202667,32 USD
3. 8. 202666,54 USD
31. 7. 202664,81 USD
30. 7. 202665,08 USD
29. 7. 202664,97 USD
27. 7. 202667,20 USD
23. 7. 202666,74 USD
22. 7. 202667,21 USD
21. 7. 202667,82 USD
20. 7. 202667,93 USD
17. 7. 202668,85 USD
16. 7. 202670,99 USD
15. 7. 202668,76 USD
14. 7. 202667,88 USD
13. 7. 202667,09 USD
10. 7. 202666,78 USD
9. 7. 202666,29 USD
8. 7. 202665,88 USD
7. 7. 202666,85 USD
6. 7. 202667,15 USD
2. 7. 202667,61 USD
1. 7. 202668,45 USD
30. 6. 202667,12 USD
29. 6. 202666,35 USD
26. 6. 202667,47 USD
25. 6. 202667,73 USD
24. 6. 202666,60 USD
23. 6. 202664,58 USD
22. 6. 202663,46 USD
18. 6. 202661,95 USD
17. 6. 202662,46 USD
16. 6. 202664,26 USD
15. 6. 202665,35 USD
12. 6. 202666,18 USD
11. 6. 202664,92 USD
10. 6. 202664,85 USD
9. 6. 202664,77 USD
8. 6. 202663,90 USD
5. 6. 202663,81 USD
4. 6. 202663,44 USD
3. 6. 202661,96 USD
2. 6. 202663,16 USD
1. 6. 202662,72 USD
29. 5. 202664,74 USD
28. 5. 202663,78 USD
27. 5. 202664,67 USD
26. 5. 202664,11 USD
22. 5. 202663,45 USD
21. 5. 202663,00 USD
20. 5. 202664,26 USD
19. 5. 202662,41 USD
18. 5. 202662,46 USD
15. 5. 202661,72 USD
14. 5. 202662,22 USD
13. 5. 202661,26 USD
12. 5. 202662,45 USD
11. 5. 202662,46 USD
8. 5. 202663,96 USD
7. 5. 202663,87 USD
6. 5. 202663,89 USD
5. 5. 202663,60 USD
4. 5. 202662,86 USD
1. 5. 202663,62 USD
30. 4. 202663,36 USD
29. 4. 202662,23 USD
28. 4. 202663,17 USD
27. 4. 202663,17 USD
24. 4. 202662,32 USD
23. 4. 202663,12 USD
22. 4. 202662,44 USD
21. 4. 202662,70 USD
20. 4. 202663,37 USD
17. 4. 202663,31 USD
16. 4. 202661,66 USD
15. 4. 202661,74 USD
14. 4. 202661,99 USD
13. 4. 202662,98 USD
10. 4. 202662,45 USD
9. 4. 202662,57 USD
8. 4. 202661,44 USD
7. 4. 202660,39 USD
6. 4. 202660,05 USD
5. 4. 202660,05 USD
2. 4. 202659,44 USD
1. 4. 202659,44 USD
31. 3. 202659,39 USD
30. 3. 202658,65 USD
29. 3. 202657,66 USD
27. 3. 202656,80 USD
26. 3. 202656,80 USD
25. 3. 202657,91 USD
24. 3. 202657,61 USD
23. 3. 202657,31 USD
22. 3. 202657,26 USD
20. 3. 202656,29 USD
19. 3. 202656,29 USD
18. 3. 202656,20 USD
17. 3. 202655,61 USD
16. 3. 202656,64 USD
15. 3. 202657,35 USD
13. 3. 202657,42 USD
12. 3. 202657,42 USD
11. 3. 202657,25 USD
10. 3. 202657,62 USD
9. 3. 202658,15 USD
8. 3. 202658,30 USD
6. 3. 202658,91 USD
5. 3. 202659,99 USD
4. 3. 202661,07 USD
3. 3. 202661,13 USD
2. 3. 202660,98 USD
27. 2. 202660,55 USD
26. 2. 202663,00 USD
25. 2. 202663,62 USD
24. 2. 202662,83 USD
23. 2. 202662,80 USD
20. 2. 202664,99 USD
19. 2. 202664,71 USD
18. 2. 202663,92 USD
17. 2. 202665,66 USD
13. 2. 202666,34 USD
12. 2. 202666,07 USD
11. 2. 202666,29 USD
10. 2. 202666,43 USD
9. 2. 202666,77 USD
6. 2. 202666,39 USD
5. 2. 202665,39 USD
4. 2. 202665,24 USD
3. 2. 202664,40 USD
2. 2. 202663,76 USD
30. 1. 202662,50 USD
29. 1. 202662,44 USD
28. 1. 202661,08 USD
27. 1. 202661,46 USD
26. 1. 202661,77 USD
23. 1. 202662,01 USD
22. 1. 202664,30 USD
21. 1. 202664,08 USD
20. 1. 202660,99 USD
16. 1. 202661,78 USD
15. 1. 202662,73 USD
14. 1. 202661,29 USD
13. 1. 202660,12 USD
12. 1. 202660,90 USD
9. 1. 202661,28 USD
8. 1. 202661,54 USD
7. 1. 202660,75 USD
6. 1. 202660,16 USD
5. 1. 202658,81 USD
2. 1. 202658,10 USD
31. 12. 202557,44 USD
30. 12. 202557,89 USD
29. 12. 202558,85 USD
26. 12. 202559,04 USD
24. 12. 202559,08 USD
23. 12. 202559,29 USD
22. 12. 202559,33 USD
19. 12. 202560,31 USD
18. 12. 202560,71 USD
17. 12. 202560,69 USD
16. 12. 202559,81 USD
15. 12. 202560,18 USD
12. 12. 202560,03 USD
11. 12. 202560,70 USD
10. 12. 202560,18 USD
9. 12. 202558,61 USD
8. 12. 202559,40 USD
5. 12. 202558,67 USD
4. 12. 202558,55 USD
3. 12. 202558,56 USD
2. 12. 202557,72 USD
1. 12. 202557,99 USD
28. 11. 202556,76 USD
26. 11. 202557,32 USD
25. 11. 202557,99 USD
24. 11. 202556,68 USD
21. 11. 202556,98 USD
20. 11. 202554,87 USD
19. 11. 202554,25 USD
18. 11. 202553,67 USD
17. 11. 202554,68 USD
14. 11. 202556,48 USD
13. 11. 202556,27 USD
12. 11. 202557,12 USD
11. 11. 202557,36 USD
10. 11. 202556,45 USD
7. 11. 202556,85 USD
6. 11. 202556,28 USD
5. 11. 202556,69 USD
4. 11. 202555,69 USD
3. 11. 202555,95 USD
31. 10. 202555,50 USD
30. 10. 202556,07 USD
29. 10. 202555,97 USD
28. 10. 202557,36 USD
27. 10. 202557,38 USD
24. 10. 202557,36 USD
23. 10. 202556,59 USD
22. 10. 202556,34 USD
21. 10. 202556,18 USD
20. 10. 202556,04 USD
17. 10. 202555,63 USD
16. 10. 202555,01 USD
15. 10. 202557,59 USD
14. 10. 202558,48 USD
13. 10. 202556,19 USD
10. 10. 202555,39 USD
9. 10. 202557,01 USD
8. 10. 202557,91 USD
7. 10. 202558,22 USD
6. 10. 202559,01 USD
3. 10. 202558,78 USD
2. 10. 202557,88 USD
1. 10. 202558,23 USD
30. 9. 202558,64 USD
29. 9. 202559,00 USD
28. 9. 202559,00 USD
25. 9. 202559,72 USD
24. 9. 202559,57 USD
23. 9. 202560,25 USD
22. 9. 202560,01 USD
19. 9. 202560,63 USD
18. 9. 202562,05 USD
17. 9. 202559,75 USD
16. 9. 202558,16 USD
15. 9. 202558,03 USD
12. 9. 202558,90 USD
11. 9. 202559,60 USD
10. 9. 202559,14 USD
9. 9. 202559,13 USD
8. 9. 202560,23 USD
5. 9. 202559,94 USD
4. 9. 202560,82 USD
3. 9. 202559,36 USD
2. 9. 202559,37 USD
29. 8. 202559,88 USD
28. 8. 202560,54 USD
27. 8. 202561,11 USD
26. 8. 202560,97 USD
25. 8. 202560,69 USD
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Community Financial System Prihodek, dobiček pred rezervacijami, čisti dobiček

  • 3 leta

  • 5 let

  • 10 let

  • 25 let

  • Največ

Prihodek
Dobiček pred rezervacijami
Neto dobiček
Details
Date
Prihodek
Dobiček pred rezervacijami
Neto dobiček
1. jan. 2020
596,40 Mio. USD
205,70 Mio. USD
164,68 Mio. USD
1. jan. 2021
620,65 Mio. USD
232,55 Mio. USD
189,69 Mio. USD
1. jan. 2022
679,36 Mio. USD
255,06 Mio. USD
188,08 Mio. USD
1. jan. 2023
677,25 Mio. USD
204,57 Mio. USD
131,92 Mio. USD
1. jan. 2024
746,30 Mio. USD
259,48 Mio. USD
182,48 Mio. USD
1. jan. 2025
818,29 Mio. USD
818,29 Mio. USD
210,46 Mio. USD
1. jan. 2026 (e)
894,84 Mio. USD
0,00 USD
241,54 Mio. USD
1. jan. 2027 (e)
964,04 Mio. USD
0,00 USD
273,23 Mio. USD

Community Financial System Izkaz poslovnega izida, Bilanca stanja, Izkaz denarnih tokov

Zadnja posodobitev 24. avg. 2026, 17:11
 
PRIHODKIMrd. USD
RAST PRIHODKOV%
BRUTTOMARJA%
BRUTO DOHODEKMio. USD
Neto obrestni dohodekMio. USD
Neobrestni prihodkiMio. USD
Rezervacije za izgube pri posojilihMio. USD
Dobiček pred rezervacijami (PPOP)Mio. USD
ČISTI DOHODEKMio. USD
RAST ČISTEGA DOBIČKA%
DIV.USD
DIV. RAST%
DELNICEMio.
201220132014201520162017201820192020202120222023202420252026e2027e
0,380,450,380,380,440,530,590,620,620,630,700,760,941,010,890,96
5,5619,21−17,221,8715,1820,6810,554,940,162,5910,907,5524,507,55−11,577,83
84,2192,4994,9395,5595,6895,4895,0694,3294,3399,3794,5984,7776,9178,7378,7378,73
320,00419,00356,00365,00421,00507,00558,00581,00582,00629,00664,00640,00723,00796,00703,88759,00
230,40238,10244,40248,42273,90315,68345,06359,18368,40374,41420,63440,32449,12506,55––
99,20102,20119,00123,30155,63202,42224,38230,62228,00246,24258,73236,94297,19311,74––
9,108,007,206,408,1011,0010,808,40–−8,8014,8011,2022,77–––
117,80119,00136,80138,62162,72171,00224,13217,79205,70232,55255,06204,57259,48818,29––
77,0078,0091,0091,00103,00150,00168,00169,00164,00189,00188,00131,00182,00210,00241,00273,00
5,481,3016,67–13,1945,6312,000,60−2,9615,24−0,53−30,3238,9315,3814,7613,28
1,061,101,161,221,261,321,441,581,661,701,741,781,821,861,881,92
6,003,775,455,173,284,769,099,725,062,412,352,302,252,201,082,13
40,1841,0641,2542,3745,0351,5752,1252,5254,0554,5654,2553,6753,0852,9652,9652,96
Podrobnosti

Ključne številke izkaza poslovnega izida

ⓘ

Prihodki in rast prihodkov

Prihodki so izhodišče vsakega izkaza poslovnega izida — merijo skupne prodaje, ki jih Community Financial System ustvari iz svoje osnovne dejavnosti. Rast prihodkov (izražena kot sprememba v odstotkih od leta do leta) je eden od najpomembnejših kazalnikov poslovnega zagona. Trajnostna rast nad 10 % letno se šteje za močno, medtem ko padajoči prihodki predstavljajo resno opozorilo, ki zahteva preiskavo.

Bruto marža

Bruto marža = (Prihodki − Stroški prodanih blaga) ÷ Prihodki. Razkriva, kolikšen odstotek vsakega dolarja prihodkov Community Financial System zadrži po neposrednih proizvodnih stroških. Visoke bruto marže (nad 50 %) so značilne za poslovanja z majhno količino sredstev, kot so programska oprema in blagovne znamke, medtem ko kapitalno intenzivne industrije, kot je proizvodnja, pogosto delujejo z manj kot 30 %. Primerjajte bruto marzho Community Financial System s konkurenti v industriji in jo spremljajte skozi čas, da ugotovite izboljšano ali poslabšano cenovno moč.

EBIT in marža EBIT

EBIT meri operativni dobiček — tisto, kar ostane po odbitku vseh operativnih stroškov (vključno s stroški R&R, prodaje in administracije) od bruto dobička. Marža EBIT to prikaže kot odstotek prihodkov. Ker izključuje obresti in davke, EBIT omogoča poštene primerjave med podjetji z različnimi ravnmi dolga in davčnimi pristojnosti. Naraščajoča marža EBIT kaže na izboljšano operativno učinkovitost.

Neto dohodek in dobiček na delnico (EPS)

Neto dohodek je končni dobiček podjetja po vseh stroških, obrestih in davkih. Deljenje neto dohodka s številom Outstanding delnic vam daje EPS — en sam najbolj vpliven metriko pri vrednotenju delnic. Dosledna rast EPS je glavni pogon dolgoročnega rasta cene delnice. Vedno preverite, ali rast EPS izvira iz resničnega izboljšanja dobička ali iz odkupa delnic, ki zmanjšuje število delnic.

Izdane delnice

Skupno število delnic, ki jih je Community Financial System izdal. Padajoče število delnic (preko odkupa) dviguje EPS in signalizira zaupanje managementa. Naraščajoče število delnic (preko izdaje delnic) razvodnjuje obstoječe lastnike. Vedno spremljajte to število skupaj z EPS, da dobite celovito sliko ustvarjanja vrednosti na delnico.

Ocene analitikov

Projicirane številke predstavljajo soglasne ocene strokovnih analitikov. Primerjajte te napovedi z zgodovinskim stopnjami rasti Community Financial System, da ocenite, ali so pričakovanja realistična. Podjetje, ki dosledno presega soglasne ocene, ima svoje delnice nagrajene skozi čas, medtem ko se ponovljeni zamiki bremenijo zaupanja vlagateljev.

Community Financial System robni dobički delnice

Analiza Community Financial System marge prikazuje bruto maržo, maržo EBIT ter dobičkovno maržo Community Financial System. Marža EBIT (EBIT/prodaja) označuje, kolikšen odstotek prodaje ostane kot operativni dobiček. Dobičkovna marža kaže, kolikšen odstotek prodaje ostane za Community Financial System.

  • 3 leta

  • 5 let

  • 10 let

  • 25 let

  • Največ

Razmerje med stroški in prihodki
Dobičkovna marža
Details
Date
Razmerje med stroški in prihodki
Dobičkovna marža
1. jan. 2020
65,51 %
27,61 %
1. jan. 2021
62,53 %
30,56 %
1. jan. 2022
62,46 %
27,69 %
1. jan. 2023
69,79 %
19,48 %
1. jan. 2024
65,23 %
24,45 %
1. jan. 2025
0,00 %
25,72 %
1. jan. 2026 (e)
0,00 %
26,99 %
1. jan. 2027 (e)
0,00 %
28,34 %

Community Financial System Prihodek na delnico, Dobiček na delnico

Community Financial System dobiček na delnico torej kaže, koliko prihodka je Community Financial System ustvaril na delnico v danem obdobju. Dobiček pred obrestmi in davki na delnico kaže, koliko operativnega dobička spada v vsako delnico. Dobiček na delnico kaže, koliko dobička spada v vsako delnico.

  • 3 leta

  • 5 let

  • 10 let

  • 25 let

  • Največ

Prihodek na delnico
Dobiček na delnico
Details
Date
Prihodek na delnico
Dobiček na delnico
1. jan. 2020
11,03 USD
3,05 USD
1. jan. 2021
11,38 USD
3,48 USD
1. jan. 2022
12,52 USD
3,47 USD
1. jan. 2023
12,62 USD
2,46 USD
1. jan. 2024
14,06 USD
3,44 USD
1. jan. 2025
15,45 USD
3,97 USD
1. jan. 2026 (e)
16,99 USD
4,59 USD
1. jan. 2027 (e)
18,30 USD
5,19 USD

Community Financial System poslovni model in analiza delnice

Community Bank System Inc is a US financial company based in DeWitt, New York. The company was founded in 1866 and has since become a leading regional bank holding company with assets of over $13 billion. The history of Community Bank System Inc dates back to the 19th century when it was established as a small credit union in New York. Over the years, the company has steadily evolved and expanded, ultimately becoming one of the largest financial companies in the region. The business model of Community Bank System Inc is based on building long-term relationships with their customers, based on trust and integrity. The company offers a wide range of financial products and services tailored to the needs and requirements of their customers. The company strives to provide its customers with easy access to financial services. Community Bank System Inc operates in various segments, including retail banking, commercial banking, and capital markets. Offered products include deposits, loans, mortgages, investment products, credit cards, and online banking services. The company also offers specialized services such as insurance and asset management. Another important aspect of Community Bank System Inc's business model is its proximity to customers and the community. The company has a strong presence in the region and focuses on supporting local projects and initiatives to improve quality of life in communities. Community Bank System Inc has earned a reputation as a trusted financial service provider in the region. The company has received numerous awards and accolades, including recognition for its quality in customer service. Overall, Community Bank System Inc is a successful financial company built on a strong history and proven business model. The company is well-positioned to continue growing in the region and support its customers in managing their finances and achieving their goals.

Community Financial System Employees

  • 3 leta

  • 5 let

  • 10 let

  • 25 let

  • Največ

Community Financial System Employees
Details
Date
Community Financial System Employees
1. jan. 2017
- Employees
1. jan. 2018
- Employees
1. jan. 2019
- Employees
1. jan. 2020
- Employees
1. jan. 2021
- Employees
1. jan. 2022
- Employees
1. jan. 2024
- Employees
1. jan. 2025
- Employees

Community Financial System vrednotenje po pošteni vrednosti

Podrobnosti

Ocena poštene vrednosti

ⓘ

Kaj je poštena vrednost?

Poštena vrednost je ocena prave "vrednosti" delnice na podlagi njenih finančnih temeljnih podatkov, neodvisno od trenutne tržne cene. Če je izračunana poštena vrednost višja od trenutne cene delnice, je delnica lahko podocenjena — in obratno. Ta grafikon prikazuje tri različne pristope poštene vrednosti, tako da jih lahko medsebojno primerjate.

Poštena vrednost na podlagi dobitka

Izračuna se z množenjem trenutnega dobitka na delnico (EPS) s povprečnim zgodovinskim razmerjem cena/dobiček v izbranem večletnem obdobju. Glajenje v več letih odpravlja začasne konice ali padce. Če ta poštena vrednost presega tržno ceno, to nakazuje, da je delnica poceni v primerjavi z njeno sposobnostjo ustvarjanja dobička.

Primer: Poštena vrednost (dobiček) 2022 = EPS 2022 × Povprečno razmerje KGV 2019–2021

Poštena vrednost na podlagi prihodka

Izpeljana z množenjem prihodka na delnico s povprečnim zgodovinskim razmerjem cena/prodaja. Ta metoda je posebej uporabna za podjetja s spremenljivim ali začasno zmanjšanim dobitkom, saj je prihodek ponavadi bolj stabilen kot dobiček. Odgovarja: "Po kakšni ceni je trg v preteklosti vrednoval vsak dolar prodaje tega podjetja?"

Primer: Poštena vrednost (prihodek) 2022 = Prihodek na delnico 2022 × Povprečno razmerje KUV 2019–2021

Poštena vrednost na podlagi dividende

Izračuna se z deljenjem dividende na delnico s povprečno zgodovinsko donosnostjo dividend. Ta pristop je najbolj relevantan za zrela, dosledno dividende izplačujoča podjetja. Če je dobljena poštena vrednost višja od trenutne cene, to pomeni, da delnica ponuja boljšo donosnost kot njeno zgodovinsko povprečje.

Primer: Poštena vrednost (dividenda) 2022 = Dividenda na delnico 2022 ÷ Povprečna donosnost 2019–2021

Kako uporabljati ta grafikon

Kadar se vse tri črte poštene vrednosti zbližajo nad trenutno ceno, je to okrepitev primera, da je delnica podocenjena. Kadar se razhajajo, preiskati, zakaj — morda gre za strukturni premik v robnih dobičkih, politiki izplačil ali stopnji rasti. Napredne ocene na desni razširijo analizo z uporabo napovedanih temeljnih podatkov, kar vam pomaga oceniti, ali trenutna cena že odraža pričakovanja prihodnje rasti.

Community Financial System vrednotenje po zgodovinskem razmerju cena-dobiček, večkrtniku EBIT in razmerju cena-prihodki

Community Financial System letna donosnost

Podrobnosti

Letna donosnost

ⓘ

Kaj prikazuje ta grafikon

Ta grafikon razdeli skupno letno donosnost v dve komponenti: donosnost cene (dobički ali izgube iz gibanja cene delnice) in donosnost dividende (dohodek prejeto od izplačil dividend). Skupaj predstavljajo skupno donosnost, ki bi jo je vlagatelj zaslužil v vsakem koledarskem letu.

Donosnost cene

Donosnost cene meri odstotnino spremembe cene delnice od 1. januarja do 31. decembra vsakega leta. Pozitivne črte nakazujejo, da se je delnica podražila; negativne črte kažejo padec. To je komponenta, na katero se večina vlagateljev osredotoča, vendar le delno pripoveduje zgodbo — posebej za delnice, ki izplačujejo dividende.

Donosnost dividende

Donosnost dividende predstavlja dohodek, ustvarjen z dividendami, izplačanimi v letu, izraženo kot odstotek začetne cene delnice. Čeprav se lahko zdi majhna v kateremkoli letu (navadno 1–4 % za uveljavljenih podjetij), se dividende sčasoma sestavljajo in so zgodovinsko prispevale približno 40 % skupne donosnosti borznega trga.

Kaj poiskati

Preglejte, koliko let je bilo pozitivnih nasproti negativnim donosnostim, da bi ocenili doslednost. Delnica, ki ima večino let s pozitivnimi rezultati in majhnimi upadi, nakazuje manjše tveganje. Primerjajte tudi letno donosnost s primerjalnim indeksom — dosledna preseganja trga je značilnost močne naložbe. Obratite pozornost na najslabša leta: razumevanje tveganja padca je enako pomembno kot lovljenje potenciala rasti.

Community Financial System izdane delnice

Število delnic podjetja Community Financial System je bilo 52,96 Mio. v letu 2025. To kaže, na koliko delnic je razdeljeno Community Financial System. Ker so delničarji lastniki podjetja, vsaka delnica predstavlja majhen del lastništva podjetja.

  • 3 leta

  • 5 let

  • 10 let

  • 25 let

  • Največ

Število delnic
Details
Date
Število delnic
1. jan. 2020
54,05 Mio. Delnice
1. jan. 2021
54,56 Mio. Delnice
1. jan. 2022
54,25 Mio. Delnice
1. jan. 2023
53,67 Mio. Delnice
1. jan. 2024
53,08 Mio. Delnice
1. jan. 2025
52,96 Mio. Delnice
1. jan. 2026 (e)
52,96 Mio. Delnice
1. jan. 2027 (e)
52,96 Mio. Delnice

Community Financial System Delitve delnic

V zgodovini Community Financial System še ni bilo delitev delnic.

Community Financial System Zgodovina Dividend

29 let izplačil dividend · 20 zaporednih povečanj

LetoLetna DividendaSprememba glede na lansko letoIzplačila
20260,47USDYTD—1×
16. mar. 20260,47USD 0,0%1/1
20251,86USD↑ 2,2%4×
14. mar. 20250,46USD 0,0%1/4
13. jun. 20250,46USD 0,0%2/4
12. sep. 20250,47USD↑ 2,2%3/4
12. dec. 20250,47USD 0,0%4/4
20241,82USD↑ 2,2%4×
20231,78USD↑ 2,3%4×
20221,74USD↑ 2,4%4×
20211,70USD↑ 2,4%4×
20201,66USD↑ 5,1%4×
20191,58USD↑ 9,7%4×
20181,44USD↑ 9,1%4×
20171,32USD↑ 4,8%4×

Zgodovina in napovedi dividend Community Financial System

Leta 2025 je Community Financial System izplačal dividendo v višini 1,86 USD. Dividenda pomeni, da Community Financial System razdelijo del svojih dobičkov lastnikom.

  • 3 leta

  • 5 let

  • 10 let

  • 25 let

  • Največ

Dividenda
Dividenda (ocena)
Details
Date
Dividenda
Dividenda (ocena)
1. jan. 2020
1,66 USD
0,00 USD
1. jan. 2021
1,70 USD
0,00 USD
1. jan. 2022
1,74 USD
0,00 USD
1. jan. 2023
1,78 USD
0,00 USD
1. jan. 2024
1,82 USD
0,00 USD
1. jan. 2025
1,86 USD
0,00 USD
1. jan. 2026 (e)
0,47 USD
1,41 USD
1. jan. 2027 (e)
0,00 USD
1,92 USD

Community Financial System razmerje izplačevanja dividend

Leta 2025 je imela Community Financial System razmerje izplačila 46,81%. Razmerje izplačila kaže, kolikšen odstotek dobička podjetja Community Financial System izplača kot dividende.

  • 3 leta

  • 5 let

  • 10 let

  • 25 let

  • Največ

Razmerje izplačila
Details
Date
Razmerje izplačila
1. jan. 2020
54,49 %
1. jan. 2021
48,89 %
1. jan. 2022
50,19 %
1. jan. 2023
72,41 %
1. jan. 2024
52,94 %
1. jan. 2025
46,81 %
1. jan. 2026 (e)
41,00 %
1. jan. 2027 (e)
37,08 %

Trenutne Community Financial System napovedi in ciljne cene v Avgust 2026

Cenovna tarča analitikov 2026
Δ Ciljna cena v primerjavi s prejšnjim mesecem
0,76 %
Kupi
50,00 % (4)
Drži
50,00 % (4)
Prodaj
0,00 % (0)
12M Ciljna cena
67,83
Zadnja cena
63,56
Valuta
USD
12M Potencial donosnosti
6,72 %
Donos LTM
0 %

Community Financial System Analyst Rating Actions

DateFirmActionRatingReliability
3. 8. 2026
Piper Sandler
Piper Sandler
MaintainedNeutral53
30. 7. 2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
30. 4. 2026
Piper Sandler
Piper Sandler
MaintainedNeutral53
13. 1. 2026
Janney Montgomery Scott
Janney Montgomery Scott
DowngradeBuyNeutral–
23. 10. 2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
23. 7. 2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
22. 1. 2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
4. 12. 2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
28. 10. 2024
Raymond James
Raymond James
UpgradeMarket PerformStrong Buy62
10. 9. 2024
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Community Financial System Ocene dobička in presenečenja

DatumOcena EPSDejanski EPSOcena prihodkovOdziv delniceČetrtletno poročilo
28. 7. 20261,19USD-222,94 Mio.USD-2026 Q2
29. 4. 20261,10USD-218,52 Mio.USD-2026 Q1
27. 1. 20261,15USD-214,98 Mio.USD-2025 Q4
23. 4. 20240,80USD-178,35 Mio.USD-2024 Q1
22. 1. 20240,85USD-176,86 Mio.USD-2023 Q4
25. 7. 20220,83USD-166,91 Mio.USD-2022 Q2

EESG©

Eulerpool ESG Scorecard© za delnico Community Financial System

41/100
6
Environment
55
Social
63
Governance
E

Okolje

20
Neposredne emisije—
Posredne emisije iz kupljene energije—
Posredne emisije znotraj verige vrednosti.—
Emisije CO₂—
Strategija zmanjšanja CO₂
Ogljična energija
Atomkraft
Poskusi na živalih
Pelz & Leder—
Pesticidi—
Palmovo olje—
Tobak
Genska tehnologija
Klimatski koncept—
Trajnostno gozdarstvo—
Predpisi o recikliranju
Okolju prijazna embalaža
Nevarne snovi
Poraba goriva in učinkovitost
Poraba vode in učinkovitost
S

Socialni vidiki

20
Odstotek ženskerih zaposlenih—
Odstotek žensk v vodstvu—
Odstotek azijskih zaposlenih—
Delež azijskega vodstva—
Odstotek hispanskih/latinoameriških zaposlenih—
Delež špansko/latinoameriško vodstva—
Odstotek črnih zaposlenih—
Delež črnega vodstva—
Odstotek belih zaposlenih—
Delež belega vodstva—
Vsebina za odrasle
Alkohol
obramba—
orožje
igralništvo
vojaške pogodbe
Koncept človekovih pravic
Koncept zaščite podatkov—
Varnost in zdravje pri delu
Katoliški
G

Korporativno upravljanje

4
Porocilo o trajnostnem razvoju
Vključevanje deležnikov
Pravilnik o odpoklicu
Antitrustna zakonodaja

Eulerpool ESG Scorecard© je strogo zaščitena intelektualna lastnina Eulerpool Research Systems. Vsaka nepooblaščena uporaba, posnemanje ali kršitev bo aktivno pregonjena in lahko vodi do resnih pravnih posledic. Za licence, sodelovanja ali pravice do uporabe nas prosimo kontaktirajte neposredno prek našega Obrazec za kontakt do nas.

Struktura lastnikov delnic Community Financial System

% Ime
14,26314%
BLACKROCK, INC.
BLACKROCK, INC.
7,05282%
NEUBERGER BERMAN GROUP LLC
NEUBERGER BERMAN GROUP LLC
6,69279%
VANGUARD PORTFOLIO MANAGEMENT LLC
VANGUARD PORTFOLIO MANAGEMENT LLC
5,98014%
STATE STREET CORP
STATE STREET CORP
5,74482%
FMR LLC
FMR LLC
4,50672%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
...

Community Financial System Beneficial Ownership Filings (SEC 13D/G)

Free Float
99,1%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
14,60%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
11,74%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
9,24%
BlackRock for purposes of Schedule 13G filings.
BlackRock for purposes of Schedule 13G filings.
SEC ↗
6,76%
Vanguard Portfolio Management
Vanguard Portfolio Management
SEC ↗
6,10%
STATE STREET CORPORATION
STATE STREET CORPORATION
SEC ↗
5,80%
FMR LLC
FMR LLC
SEC ↗
5,74%
SSGA FUNDS MANAGEMENT, INC.
SSGA FUNDS MANAGEMENT, INC.
SEC ↗
5,27%
Vanguard Capital Management
Vanguard Capital Management
SEC ↗
5,07%
Neuberger Berman Investment Advisers LLC
Neuberger Berman Investment Advisers LLC
SEC ↗
5,07%
Neuberger Berman Group LLC
Neuberger Berman Group LLC
SEC ↗

Community Financial System Uprava in upravni odbor

18 members · avg. age 56 · 28 % women

DK

Mr. Dimitar Karaivanov (43)

President, Chief Executive Officer, Director · od 2022

2,70 Mio. USD

Management

JS

Mr. Joseph Sutaris (56)

Senior Vice President and Head of Investor Relations

1,13 Mio. USD
JL

Mr. Jeffrey Levy (63)

Senior Vice President and Chief Banking Officer

1,05 Mio. USD
MG

Ms. Maureen Gillan-Myer (57)

Chief Human Resources Officer, Executive Vice President

985.708,00 USD
MA

Mr. Michael Abdo (47)

Executive Vice President, General Counsel

949.555,00 USD
MW

Ms. Marya Wlos (47)

Chief Financial Officer, Executive Vice President

–

Board of Directors

ES

Mr. Eric Stickels (63)

Independent Chairman of the Board

179.300,00 USD
KM

Ms. Kerrie Macpherson (66)

Independent Director

156.175,00 USD
JW

Mr. John Whipple (69)

Independent Director

152.425,00 USD
RP

Mr. Raymond Pecor (56)

Independent Director

149.425,00 USD
MB

Mr. Mark Bolus (59)

Independent Director

149.300,00 USD
NF

Mr. Neil Fesette (59)

Independent Director

149.300,00 USD

Community Financial System Supply Chain

Community Financial System Dobavna veriga

Korelacija: kako tesno se gibljejo cene delnic skupaj

Ista SmerNi RazmerjaNasprotna
3 companies
#ImeTrend
1
State Street
dobavitelj·Stranka·Capital Markets·US
0,23
0,62
0,73
0,77
0,35
0,79
2
BlackRock
dobavitelj·Stranka·Capital Markets·US
0,11
0,65
0,59
0,73
0,47
0,79
#ImeTrend
1
MeridianLink
dobavitelj·Software·US
0,43
0,82
0,73
0,49
—
—

Pogosto postavljena vprašanja o delnici Community Financial System

Community Bank System Inc, founded in 1866, is a leading regional bank headquartered in DeWitt, New York. With a rich history spanning over 150 years, the company has established a strong presence in the financial sector. Community Bank System Inc operates through its banking subsidiary, Community Bank, N.A., which offers a comprehensive range of banking services to individuals, businesses, and municipalities. The company has grown both organically and through strategic acquisitions, expanding its footprint across New York, Pennsylvania, and Vermont. Community Bank System Inc prides itself on providing personalized, community-focused banking solutions, which has contributed to its success and reputation as a trusted financial institution.

The business model of Community Bank System Inc is focused on providing comprehensive banking and financial services to individuals, businesses, and municipalities in the communities it serves. The company offers a wide range of products and services, including personal and business banking, loans, insurance, and wealth management solutions. With its commitment to building lasting relationships and delivering exceptional customer service, Community Bank System Inc aims to support the financial needs of its customers while contributing to the growth and prosperity of the communities it operates in.

Community Bank System Inc is primarily active in the financial services industry.

The main competitors of Community Bank System Inc in the market include banking institutions such as KeyCorp, M&T Bank Corporation, and Financial Institutions Inc. These competitors also operate in the financial services sector, providing banking services and solutions to a wide range of customers. However, Community Bank System Inc has managed to distinguish itself by offering personalized and community-focused banking services, which helps solidify its market position.

Community Bank System Inc has achieved significant milestones throughout its history. The company has successfully expanded its presence by acquiring several financial institutions, including Merchants Bancshares Inc and Northeastern Financial Company. Besides, Community Bank System has consistently reported strong financial performance, with steady revenue growth and consistent dividend payouts to its shareholders. The company's commitment to delivering exceptional customer service and its focus on community banking have also contributed to its success. Overall, Community Bank System Inc stands as a reputable and well-established financial institution that continues to make significant strides in the banking industry.

Community Bank System Inc is primarily present in the United States. As a leading financial institution, Community Bank System Inc operates a network of branches and ATMs across various states, serving customers in New York, Pennsylvania, Vermont, and Massachusetts. With a strong focus on local communities, the company delivers a wide range of banking services and solutions to individuals, businesses, and organizations in these regions. Community Bank System Inc's commitment to providing exceptional financial services has established it as a trusted and reliable banking partner in the areas it serves.

Community Bank System Inc represents strong values and a corporate philosophy centered around customer satisfaction, community development, and sustainable growth. The company prioritizes putting customers first by offering personalized financial solutions and exceptional service. Community Bank System Inc is dedicated to the well-being and prosperity of the communities it serves, supporting local economies through investments, partnerships, and philanthropic initiatives. With a commitment to integrity, transparency, and innovation, the company strives to build trusted relationships with its stakeholders. By embracing responsible practices and fostering a collaborative environment, Community Bank System Inc aims to deliver long-term value to shareholders, customers, employees, and the communities it operates in.

Analysts currently set an average price target of 68,34 USD for the Community Financial System stock (median: 67,83 USD), implying +7,5 % versus the latest price. The consensus is based on 8 analyst ratings.

Community Financial System Cenovna tarča analitikov 2026

8 analysts currently rate the Community Financial System stock: 4 recommend buying, 4 holding and 0 selling. For 2026, analysts expect Community Financial System to generate revenue of 894,84 Mio. USD and earnings per share of 4,56 USD.

Community Financial System Cenovna tarča analitikov 2026

Converted at the current exchange rate, the Community Financial System share trades at 54,42 EUR (63,56 USD).

The Community Financial System share (CBU) is listed on 2 stock exchanges, including: NYSE (CBU), Frankfurt (CBY.F).

The Community Bank System Inc. is a regionally active bank operating in the states of New York and Pennsylvania. The company's business model is based on providing financial services to individuals, small and medium-sized businesses, and communities in local markets. The bank has developed a wide range of financial products and services to meet the specific needs of its customers. These include traditional bank products such as savings and checking accounts, credit and debit cards, mortgages, loans, and online and mobile banking. Additionally, it offers a wide range of investment and asset management services, including stock and bond trading, investment funds, pension plans, trust and fiduciary services, and retirement planning advice. In addition to its banking services, the Community Bank System Inc. has also established subsidiaries in the areas of financial, insurance, and trust services to further serve its customers. An important part of the Community Bank System Inc.'s business model is its targeted expansion through acquisitions of other banks and financial services companies in its local markets. Through this strategy, the bank has steadily expanded its presence and customer base, strengthening its market position in the finance and asset management industries. Another important aspect of its business model is the importance the bank places on the communities and local economies in which it operates. The Community Bank System Inc. sees itself as a partner and supporter of its local markets, stimulating economic growth, creating jobs, financially supporting local institutions, and taking on social responsibility. In conclusion, the Community Bank System Inc. has established itself as an important regional player in the finance and asset management market through a wide portfolio of products and services, a clear growth strategy through targeted expansion, and its involvement in local communities.

pričakovane prihodki za Community Financial System znašajo 894,84 Mio. USD. Ta vrednost temelji na trenutnih finančnih podatkih in odraža poslovno uspešnost podjetja.

pričakovane dobiček za Community Financial System znaša 241,54 Mio. USD. Čisti dobiček odraža donosnost podjetja po odbitku vseh stroškov.

Razmerje cena-dobiček (P/E) Community Financial System je trenutno 13,94. Razmerje P/E primerja trenutno ceno delnice z dobičkom na delnico in pomoči vlagateljem oceniti vrednost delnice Community Financial System.

Razmerje cena-prihodki (P/S) Community Financial System je trenutno 3,76. Razmerje P/S primerja tržno vrednost s celotnimi letnimi prihodki in služi kot kazalnik vrednotenja delnice Community Financial System.

Eulerpool ocena kvalitete za Community Financial System je 6/10.

ISIN Community Financial System je US2036071064. ISIN (International Securities Identification Number) je svetovni edinstven identifikator za vrednostne papirje.

WKN Community Financial System je 896709. WKN (Wertpapierkennnummer) je šestmestna nemška oznaka za identifikacijo vrednostnih papirjev.

Ticker Community Financial System je CBU. Ticker simbol se uporablja za trgovanje z delnicami Community Financial System na borzi.

V zadnjih 12 mesecih je Community Financial System izplačala dividendo v višini 1,86 USD . To ustreza dividendnemu donosu približno 2,93 %. Za naslednje 12 mesecev je pričakovati, da bo Community Financial System izplačala dividendo v višini 1,92 USD.

Trenutna dividendna donosnost Community Financial System je 2,93 %.

Community Financial System izplačuje dividende, razdeljene v mesecih , , , .

Community Financial System je izplačevala dividende vsako leto v zadnjih 28 letih.

Za prihodnje 12 mesecev se pričakuje izplačilo dividend v višini 1,92 USD. To ustreza dividendnemu donosu 3,03 %.

Community Financial System je uvrščena v sektor 'Finance'.

Da bi prejeli zadnjo dividendo Community Financial System od v višini 0,47 USD, ste morali imeti delnico v portfelju pred ex-datumom dne .

Zadnja dividenda je bila izplačana dne .

V letu 2025 je bilo od Community Financial System izplačano 1,82 USD kot dividende.

Dividende Community Financial System so izplačane v USD.

Vse ključne kazalnike in poglobljeno analizo Community Financial System v detaljnem pregledu

Naša analiza delnic Community Financial System vključuje pomembne finančne kazalnike, kot so prihodki, dobiček, razmerje cena/dobiček (P/E), razmerje cena/prihodki (P/S), EBIT ter informacije o dividendah. Prav tako preučujemo aspekte, kot so delnice, tržna kapitalizacija, dolgovi, lastniški kapital in obveznosti Community Financial System. Če iščete podrobnejše informacije o teh temah, na naših podstraneh nudimo obsežne analize:

Community Financial System Delnica
Community Financial System Prihodki→
Community Financial System Delnica
Community Financial System Čisti dobiček→
Community Financial System Delnica
Community Financial System KGV→
Community Financial System Delnica
Community Financial System KUV→
Community Financial System Delnica
Community Financial System EBIT→
Community Financial System Delnica
Community Financial System Dividenda→
Community Financial System Delnica
Community Financial System Kupnje notranjih oseb→
Community Financial System Delnica
Community Financial System Delnice→
Community Financial System Delnica
Community Financial System Tržna kapitalizacija→
Community Financial System Delnica
Community Financial System Dolg→
Community Financial System Delnica
Community Financial System Obveznosti→
Community Financial System Delnica
Community Financial System Lastniški kapital→
Community Financial System Delnica
Community Financial System AAQS→
Community Financial System Delnica
Community Financial System Zaposleni→
Community Financial System Delnica
Community Financial System ROE→
Community Financial System Delnica
Community Financial System ROA→
Community Financial System Delnica
Community Financial System ROCE→
Community Financial System Delnica
Community Financial System News→
Community Financial System Delnica
Community Financial System Cenovna tarča analitikov→

Finance Delnice

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