Community Financial System, Inc. (CBU) Stock Price & Analysis
Community Financial System, Inc. (CBU) rose 1.36% to USD 64.77 as of June 10, 2026 at 02:33 UTC, according to Nexqual real-time market data.
CBU last closed at USD 63.9; the session ranged USD 64.42–66.1 on volume of 193,691 shares. Market capitalization is $3.40B, with a 52-week range of USD 51.12–67.5 (NYQ). Source: Nexqual, June 10, 2026 at 02:33 UTC.
Key Statistics (as of June 10, 2026 at 02:33 UTC)
| Price | USD 64.77 |
|---|---|
| Change | ▲ 1.36% (up) |
| Previous Close | USD 63.9 |
| Open | USD 64.5 |
| Day Range | USD 64.42 – 66.1 |
| 52-Week Range | USD 51.12 – 67.5 |
| Volume | 193,691 shares |
| Market Cap | $3.40B |
| Exchange | NYQ |
Technical Analysis (CBU)
Nexqual's technical model rates CBU "STRONG BUY" based on 5 bullish and 0 bearish signals across 124 daily candles, as of June 10, 2026 at 02:33 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 58.48 (neutral) |
| vs SMA50 | Above (USD 62.53) |
| MACD | 0.37 (positive) |
Analyst Ratings (CBU)
Wall Street analysts rate CBU "Hold" based on 6 analysts, with a mean price target of USD 68.5 (range USD 66–75), per Nexqual as of June 10, 2026 at 02:33 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 68.5 |
| High Target | USD 75 |
| Low Target | USD 66 |
| Buy / Hold / Sell | 1 / 5 / 0 |
Earnings (CBU)
| Next Earnings Date | 2026-07-28 |
|---|---|
| EPS Estimate | USD 1.18 |
| Revenue Estimate | $221.42M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 1.09 vs est 1.09 ▼ miss |
| 2025-12-31 | USD 1.07 vs est 1.13 ▼ miss |
| 2025-09-30 | USD 1.05 vs est 1.05 ▲ beat |
| 2025-06-30 | USD 0.99 vs est 1.01 ▼ miss |
Source: Nexqual, June 10, 2026 at 02:33 UTC.
Financials & Fundamentals (CBU)
| Total Revenue | $814.75M |
|---|---|
| Revenue Growth (YoY) | +9.50% |
| Gross Margin | +0.00% |
| Operating Margin | +37.98% |
| Profit Margin | +26.76% |
| ROE | +11.30% |
| Total Cash | $562.65M |
| Total Debt | $653.97M |
Source: Nexqual, June 10, 2026 at 02:33 UTC.
Financial Health Score (CBU)
Nexqual rates Community Financial System, Inc.'s overall financial health "Mixed" across five dimensions, as of June 10, 2026 at 02:33 UTC.
| Growth | Solid — Revenue +10% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $563M cash vs $654M debt |
| Cash Flow | Solid — Operating cash flow $311M |
| Efficiency | Mixed — ROE 11%, ROA 1.3% |
Ownership (CBU)
| Insider Ownership | +0.78% |
|---|---|
| Institutional Ownership | +79.34% |
| Shares Outstanding | 52.55M |
| Float | 52.05M |
| Short % of Float | +5.31% |
Source: Nexqual, June 10, 2026 at 02:33 UTC.
Leadership (CBU)
Community Financial System, Inc. is led by Dimitar A. Karaivanov (age 43), President, CEO & Director, per Nexqual as of June 10, 2026 at 02:33 UTC.
| President, CEO & Director | Dimitar A. Karaivanov (age 43) |
|---|---|
| Executive VP, Treasurer & CFO | Marya Burgio Wlos (age 47) |
| Senior VP, Chief Technology & Operations Officer | Aaron Friot |
| Senior VP, Chief Banking Officer & President of Commercial Banking | Matthew K. Durkee (age 62) |
Major Backers & Investors (CBU)
Notable institutional backers of Community Financial System, Inc. include Neuberger Berman Group, LLC, FMR, LLC, Morgan Stanley, according to Nexqual as of June 10, 2026 at 02:33 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Neuberger Berman Group, LLC | 11.04% |
| FMR, LLC | 5.76% |
| Morgan Stanley | 3.54% |
| Calvert Impact Fund, Inc.-Calvert Small-Cap Fund | 1.64% |
| Federated Hermes, Inc. | 1.44% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 22.75% |
| Vanguard Group | 19.36% |
| State Street | 6.96% |
| Dimensional Fund Advisors | 3.46% |
| Geode Capital | 2.47% |
Source: Nexqual, June 10, 2026 at 02:33 UTC.
From Community Financial System, Inc.'s Latest SEC 10-K Filing (filed 2026-02-27)
Key Strengths & Strategy (as disclosed to the SEC)
- Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers.
- The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services.
- The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units.
- The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BANF | BancFirst Corporation | USD 112.83 | ▲ 2.23% |
| NBTB | NBT Bancorp Inc. | USD 47.21 | ▲ 1.72% |
| CTBI | Community Trust Bancorp, Inc. | USD 69.14 | ▲ 2.31% |
| AROW | Arrow Financial Corporation | USD 37.69 | ▲ 0.61% |
| CHCO | City Holding Company | USD 128.18 | ▲ 1.1% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: June 10, 2026 at 02:33 UTC. This page is informational and not investment advice.