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Community bank system, inc.CBU.US Overview

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CBU Recent Performance

0.26%

Community bank system, inc.

1.79%

Avg of Sector

-0.31%

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CBU Key Information

CBU Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

CBU Profile

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.

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CBU FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

CBU Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
4.00
PE Ratio (TTM)
15.25
Forward PE
12.88
PS Ratio (TTM)
4.00
PB Ratio
1.65
Price-to-FCF
12.43
METRIC
VALUE
vs. INDUSTRY
Gross Margin
88.84%
Net Margin
27.42%
Revenue Growth (YoY)
6.10%
Profit Growth (YoY)
-5.74%
3-Year Revenue Growth
1.57%
3-Year Profit Growth
-17.90%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
4.00
PE Ratio (TTM)
15.25
Forward PE
12.88
PS Ratio (TTM)
4.00
PB Ratio
1.65
Price-to-FCF
12.43
Gross Margin
88.84%
Net Margin
27.42%
Revenue Growth (YoY)
6.10%
Profit Growth (YoY)
-5.74%
3-Year Revenue Growth
1.57%
3-Year Profit Growth
-17.90%

  • When is CBU's latest earnings report released?

    The most recent financial report for Community bank system, inc. (CBU) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CBU's short-term business performance and financial health. For the latest updates on CBU's earnings releases, visit this page regularly.

  • Where does CBU fall in the P/E River chart?

    According to historical valuation range analysis, Community bank system, inc. (CBU)'s current price-to-earnings (P/E) ratio is 14.79, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of CBU?

    According to the latest financial report, Community bank system, inc. (CBU) reported an Operating Profit of 88.18M with an Operating Margin of 48.59% this period, representing a growth of 36.63% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is CBU's revenue growth?

    In the latest financial report, Community bank system, inc. (CBU) announced revenue of 181.47M, with a Year-Over-Year growth rate of -4.53%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • Does CBU go with three margins increasing?

    In the latest report, Community bank system, inc. (CBU) achieved the “three margins increasing” benchmark, with a gross margin of 52.8%%, operating margin of 48.59%%, and net margin of 29.99%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CBU's profit trajectory and future growth potential.

  • Is CBU's EPS continuing to grow?

    According to the past four quarterly reports, Community bank system, inc. (CBU)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.03. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of CBU?

    Community bank system, inc. (CBU)'s Free Cash Flow (FCF) for the period is 83.7M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 56.85% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of CBU?

    The latest valuation data shows Community bank system, inc. (CBU) has a Price-To-Earnings (PE) ratio of 14.79 and a Price/Earnings-To-Growth (PEG) ratio of -15.38. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.