Community Bank System, Inc. (CBU) AI Stock Analysis

Community Bank System, Inc. operates primarily through Community Bank, N.A., providing a comprehensive suite of banking products and financial services. Its offerings include deposit accounts such as checking, savings, and money market accounts, alongside loan options including consumer mortgages, commercial loans, and home equity products. The company also provides investment advisory, asset management, and insurance services through a full-service insurance agency. Operating approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts, the institution serves retail, commercial, and municipal clients with traditional banking solutions.

Community Bank System expanded annual revenue from $633.7M in FY2021 to $1.01B in FY2025, reflecting a 5-year revenue CAGR of 10.4%. Annual revenue growth reached 24.4% in FY2024 and 7.5% in FY2025. Net income increased from $189.7M in FY2021 to $210.5M in FY2025, after dipping to $131.9M in FY2023. Operating margin stood at 27.2% in FY2025, compared to 38.1% in FY2021 and 25.2% in FY2024. For the trailing twelve months ending June 30, 2026, revenue was $838.2M with a net profit margin of 27.2%. In the latest quarter, quarterly revenue grew 12.0% year-over-year, while quarterly earnings increased 19.8%.

As of June 30, 2026, Community Bank System held $4.78B in cash and short-term investments against total debt of $764.0M, resulting in net cash of $4.02B. The company recorded a current ratio of 14.48 and a debt-to-equity ratio of 0.37 on total assets of $17.76B and shareholders' equity of $2.07B. During FY2025, operating cash flow was $301.9M and free cash flow reached $233.3M. Capital deployment in FY2025 included $68.5M in capital expenditures, $97.6M in dividends paid, and $11.2M in share buybacks.

Community Bank System trades at a trailing P/E of 14.0x and a forward P/E of 15.8x, both above the median of its US-listed Financial Services peers at 12.1x and 10.8x, respectively. The company carries a price-to-sales ratio of 3.8x compared to the peer group median of 3.2x, alongside an EV-to-revenue ratio of 4.5x. Over the past year, CBU rose 12.9%, trailing the S&P 500 (SPY) return of 16.8%. Over a 5-year span, the stock declined 0.2%, underperforming the 83.0% gain generated by the S&P 500.

Community Bank System offers an annual forward dividend of $1.90 per share, representing a dividend yield of 3.15% with a payout ratio of 43.6%. The company distributes dividends quarterly and has paid dividends for 42 consecutive years. Its 5-year annualized dividend growth rate is 2.3%, and its most recent ex-dividend date was September 15, 2026.

Wall Street coverage consists of 1 Strong Buy rating and 5 Hold ratings. The mean price target is $69.00, representing an upside of 14.5% compared to the last close of $60.24. For the fiscal year ending December 31, 2026, analysts estimate EPS of $4.60 and revenue of $896.6M. For the following fiscal year, 6 analysts project EPS of $5.18 on revenue of $965.4M. The company recorded 0 EPS beats over the last 4 quarters, and its next earnings date is October 27, 2026.

This page is an AI-written research summary of Community Bank System, Inc. (CBU). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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