Community Financial System (CBU) Stock Price
Community Financial System Price
Over the last 19 years Community Financial System grew revenue by 8.2% annually, reaching 818.29 M 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 3.18%. 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 73.00 USD, about 24.9% above where the stock trades today. Of 10 analysts, 4 rate the stock a buy — an overall Hold consensus.
Community Financial System stock price
Community Financial System business model & stock analysis
Frequently asked questions about 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 73.00 USD for the Community Financial System stock (median: 73.00 USD), implying +24.9 % versus the latest price. The consensus is based on 10 analyst ratings.
10 analysts currently rate the Community Financial System stock: 4 recommend buying, 6 holding and 0 selling. For 2026, analysts expect Community Financial System to generate revenue of 895.36 M USD and earnings per share of 4.57 USD.
Converted at the current exchange rate, the Community Financial System share trades at 52.15 EUR (58.44 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.
The expected revenue of Community Financial System is 895.36 M USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Community Financial System is 241.98 M USD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Community Financial System is currently 12.79. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Community Financial System stock.
The price-to-sales ratio (P/S) of Community Financial System is currently 3.46. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Community Financial System stock.
The Eulerpool Quality Score for Community Financial System is 7/10.
The ISIN of Community Financial System is US2036071064. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Community Financial System is 896709. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Community Financial System is CBU. The ticker symbol is used to trade Community Financial System shares on the stock exchange.
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All fundamentals and in-depth analysis of Community Financial System
Our stock analysis for Community Financial System stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Community Financial System. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.