CBU Community Bank System Inc

$57.96

*Only the 1D chart reflects 15-min delayed quotes during market hours. Other timeframes update after market close.

Reporting for fiscal period ending 2025-12-31
Expected on Jan 27, 2026
Report Time: Before the Bell
The Whisper Number
$1.10
Consensus Estimate: $1.14
Revenue Estimate: $212.85M

Latest Earnings Insight

Community Bank System's upcoming earnings report on October 21st is set against a backdrop of steady financial performance, with the company poised to demonstrate resilience in a challenging economic environment. With an EPS estimate of $1.04, slightly above the whisper number of $1.02, expectations are cautiously optimistic. This subtle yet significant difference suggests that analysts foresee a stable earnings trajectory, despite the absence of recent news to sway market sentiment. The revenue estimate stands at $206.75 million, which will be closely watched by investors eager to see if the bank can maintain its growth momentum. With a market cap of approximately $2.93 billion, Community Bank System remains a solid player in the financial sector, and its ability to meet or exceed these estimates could reinforce its standing. As the earnings date approaches, stakeholders will be keenly observing how the bank navigates current market conditions to sustain its financial health.

Updated On 1/6/2026

About Community Bank System Inc

Community Bank System, Inc. is the banking holding company for Community Bank, NA providing various banking and other financial services to retail, commercial and municipal clients. The company is headquartered in Onondaga, New York.

Website: https://communityfinancialsystem.com

Sector
FINANCE
Industry
NATIONAL COMMERCIAL BANKS
Exchange
NYSE
Country
USA
Currency
USD
Fiscal Year End
December
CIK
723188
Address
5790 WIDEWATERS PKWY, DEWITT, NY, US
Valuation
Market Cap
$2.82B
P/E Ratio
15.52
PEG Ratio
2.17
Price to Book
1.60
Performance
EPS
$3.44
Dividend Yield
3.45%
Profit Margin
25.20%
ROE
10.50%
Technicals
50D MA
$58.94
200D MA
$60.62
52W High
$72.29
52W Low
$41.19
Fundamentals
Shares Outstanding
53M
Target Price
$68.17
Beta
0.76

CBU EPS Estimates vs Actual

Estimated
Actual

CBU News & Sentiment

Dec 22, 2025 • The Business Journals BULLISH
Growing bank readies for move into new Amherst offices - Buffalo Business First
Community Bank, recognized as Company of the Year in Banking, is preparing to move into new offices in Amherst. The bank has been actively expanding its presence in the Buffalo area during 2025 by adding a local CFO and opening three new branches, with a goal to achieve double-digit market share in Western New York.
Dec 13, 2025 • MarketBeat SOMEWHAT-BULLISH
FJ Capital Management LLC Has $15.37 Million Stake in Community Financial System, Inc. $CBU
FJ Capital Management LLC significantly increased its stake in Community Financial System, Inc. (NYSE:CBU) by 157% in Q2, now owning 270,197 shares valued at $15.37 million. Institutional investors collectively hold 73.79% of CBU, which recently announced a $0.47 quarterly dividend and beat Q3 EPS estimates with 9.6% year-over-year revenue growth. Analysts currently maintain a consensus "Hold" rating with an average price target of $64.00 for the stock.
Dec 09, 2025 • MarketBeat SOMEWHAT-BEARISH
Federated Hermes Inc. Cuts Stock Position in Community Financial System, Inc. $CBU
Federated Hermes Inc. reduced its stake in Community Financial System, Inc. (NYSE:CBU) by 9.2% in the second quarter, selling 76,865 shares. The firm now holds 757,625 shares valued at $43.09 million, representing 1.43% ownership. Other institutional investors like Norges Bank and Invesco Ltd. have either opened new positions or increased their holdings, bringing overall institutional ownership to about 73.79%.
Nov 30, 2025 • citybiz BULLISH
Community Bank, N.A. Completes Acquisition of Seven Former Santander Bank, N.A. Branches in Allentown, Pennyslvania Area
Community Financial System, Inc. (NYSE: CBU) has announced that its banking subsidiary, Community Bank, N.A., completed the acquisition of seven former Santander Bank, N.A. branch locations in the Allentown, Pennsylvania area. This acquisition adds approximately $553.0 million in customer deposits and significantly strengthens Community Bank's presence in the Greater Lehigh Valley, securing a Top 5 market position with a total of 12 retail locations in the region. The company looks forward to a smooth transition and providing exceptional service to new and existing customers.
Nov 30, 2025 • TradingView — Track All Markets BULLISH
Community Financial System, Inc. Completes Acquisition of Santander Bank Branches
Community Financial System, Inc. (CBU) has completed its acquisition of seven Santander Bank branches in Allentown, Pennsylvania, announced on November 10, 2025. This strategic move includes $553 million in deposits and $31.9 million in loans, significantly expanding Community Bank's presence and securing a Top 5 market position in the Greater Lehigh Valley with 12 retail locations. The acquisition strengthens its service offerings for consumer, business, and private banking clients.
Nov 29, 2025 • MarketBeat SOMEWHAT-BULLISH
SG Americas Securities LLC Sells 12,125 Shares of Community Financial System, Inc. $CBU
SG Americas Securities LLC significantly reduced its stake in Community Financial System (NYSE:CBU) by 60.1% in Q2, selling 12,125 shares and retaining 8,053 shares valued at approximately $458,000. Despite this, institutional investors collectively own about 73.79% of the company, with other firms like Nuveen and Invesco increasing their positions. The company recently reported strong Q3 earnings, beating analyst expectations, and declared a quarterly dividend of $0.47 per share.
Sentiment Snapshot

Average Sentiment Score:

0.302
35 articles with scored sentiment

Overall Sentiment:

Bullish

CBU Reported Earnings

Jul 22, 2025
Jun 30, 2025 (Pre market)
-0.04 Surprise
  • Reported EPS: $0.97
  • Estimate: $1.01
  • Whisper:
  • Surprise %: -4.0%
Apr 29, 2025
Mar 31, 2025 (Post market)
0.02 Surprise
  • Reported EPS: $0.93
  • Estimate: $0.91
  • Whisper:
  • Surprise %: 2.2%
Jan 21, 2025
Dec 31, 2024 (Pre market)
0.03 Surprise
  • Reported EPS: $0.94
  • Estimate: $0.91
  • Whisper:
  • Surprise %: 3.3%
Oct 22, 2024
Sep 30, 2024 (Pre market)
-0.05 Surprise
  • Reported EPS: $0.83
  • Estimate: $0.88
  • Whisper:
  • Surprise %: -5.7%
Jul 23, 2024
Jun 30, 2024 (Pre market)
0.09 Surprise
  • Reported EPS: $0.90
  • Estimate: $0.81
  • Whisper:
  • Surprise %: 11.1%
Apr 23, 2024
Mar 31, 2024 (Pre market)
-0.02 Surprise
  • Reported EPS: $0.76
  • Estimate: $0.78
  • Whisper:
  • Surprise %: -2.6%
Jan 23, 2024
Dec 31, 2023 (Pre market)
-0.08 Surprise
  • Reported EPS: $0.76
  • Estimate: $0.84
  • Whisper:
  • Surprise %: -9.5%
Oct 24, 2023
Sep 30, 2023 (Pre market)
-0.06 Surprise
  • Reported EPS: $0.82
  • Estimate: $0.88
  • Whisper:
  • Surprise %: -6.8%
Jul 31, 2023
Jun 30, 2023 (Pre market)
0.06 Surprise
  • Reported EPS: $0.91
  • Estimate: $0.85
  • Whisper:
  • Surprise %: 7.1%

Financials