CBU Stock - Community Bank System, Inc.
Unlock GoAI Insights for CBU
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Free 14-day trial • No credit card required
Premium members get real-time SMS alerts
Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $940.71M | $755.98M | $702.45M | $633.65M | $617.28M |
| Gross Profit | $723.53M | $640.67M | $664.58M | $629.49M | $582.19M |
| Gross Margin | 76.9% | 84.7% | 94.6% | 99.3% | 94.3% |
| Operating Income | $236.71M | $168.23M | $240.31M | $241.35M | $206.08M |
| Net Income | $182.48M | $131.92M | $188.08M | $189.69M | $164.68M |
| Net Margin | 19.4% | 17.5% | 26.8% | 29.9% | 26.7% |
| EPS | $3.44 | $2.45 | $3.48 | $3.51 | $3.10 |
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
Visit WebsiteRating Distribution
Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| January 13th 2026 | Janney | Downgrade | Neutral | - |
| December 3rd 2025 | Piper Sandler | Resumed | Neutral | $62 |
| December 5th 2024 | Piper Sandler | Resumed | Neutral | $70 |
| October 28th 2024 | Raymond James | Upgrade | Strong Buy | $67 |
| July 24th 2024 | Raymond James | Downgrade | Market Perform | - |
| June 28th 2023 | Hovde Group | Upgrade | Outperform | - |
| June 6th 2023 | Raymond James | Upgrade | Outperform | $55 |
| March 14th 2023 | Janney | Initiation | Buy | $66 |
| December 21st 2022 | Raymond James | Initiation | Market Perform | - |
| May 2nd 2022 | Piper Sandler | Downgrade | Underweight | $66← $74 |
Earnings History & Surprises
CBUEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Jan 27, 2026 | $1.13 | — | — | — |
Q4 2025 | Oct 21, 2025 | $1.05 | $1.04 | -1.0% | ✗ MISS |
Q3 2025 | Jul 22, 2025 | $1.03 | $0.97 | -5.8% | ✗ MISS |
Q2 2025 | Apr 29, 2025 | $0.91 | $0.93 | +2.2% | ✓ BEAT |
Q1 2025 | Jan 21, 2025 | $0.88 | $0.94 | +6.8% | ✓ BEAT |
Q4 2024 | Oct 22, 2024 | $0.88 | $0.83 | -5.7% | ✗ MISS |
Q3 2024 | Jul 23, 2024 | $0.81 | $0.91 | +12.3% | ✓ BEAT |
Q2 2024 | Apr 23, 2024 | $0.78 | $0.76 | -2.6% | ✗ MISS |
Q1 2024 | Jan 23, 2024 | $0.84 | $0.76 | -9.5% | ✗ MISS |
Q4 2023 | Oct 24, 2023 | $0.88 | $0.82 | -6.8% | ✗ MISS |
Q3 2023 | Jul 31, 2023 | $0.85 | $0.91 | +7.1% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.95 | $0.86 | -9.5% | ✗ MISS |
Q1 2023 | Jan 24, 2023 | $0.93 | $0.97 | +4.3% | ✓ BEAT |
Q4 2022 | Oct 24, 2022 | $0.90 | $0.90 | 0.0% | = MET |
Q3 2022 | Jul 25, 2022 | $0.82 | $0.78 | -4.9% | ✗ MISS |
Q2 2022 | Apr 25, 2022 | $0.77 | $0.87 | +13.0% | ✓ BEAT |
Q1 2022 | Jan 24, 2022 | $0.82 | $0.81 | -1.2% | ✗ MISS |
Q4 2021 | Oct 25, 2021 | $0.81 | $0.83 | +2.5% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $0.82 | $0.88 | +7.3% | ✓ BEAT |
Latest News
Janney Montgomery Scott Downgrades Community Financial Sys to Neutral
➖ NeutralPiper Sandler Assumes Community Financial Sys at Neutral, Announces Price Target of $62
➖ NeutralKeefe, Bruyette & Woods Reiterates Market Perform on Community Financial Sys, Lowers Price Target to $66
➖ NeutralCommunity Financial Q3 Adj. EPS $1.09 Beats $1.04 Estimate, Sales $207.052M Beat $206.853M Estimate
📈 PositiveCommunity Financial Backs Leap With $37M Investment To Expand Insurance Services
📈 PositiveFrequently Asked Questions about CBU
What is CBU's current stock price?
What is the analyst price target for CBU?
What sector is Community Bank System, Inc. in?
What is CBU's market cap?
Does CBU pay dividends?
Similar Stocks
Financial Services SectorExplore stocks similar to CBU for comparison