Community Financial System, Inc. (CBU) Stock Price & Analysis
Community Financial System, Inc. (CBU) rose 0.75% to USD 67.24 as of July 25, 2026 at 06:56 UTC, according to Nexqual real-time market data.
CBU last closed at USD 66.74; the session ranged USD 66.74–67.91 on volume of 174,082 shares. Market capitalization is $3.53B, with a 52-week range of USD 51.12–71.11 (NYQ). Source: Nexqual, July 25, 2026 at 06:56 UTC.
Key Statistics (as of July 25, 2026 at 06:56 UTC)
| Price | USD 67.24 |
|---|---|
| Change | ▲ 0.75% (up) |
| Previous Close | USD 66.74 |
| Open | USD 66.98 |
| Day Range | USD 66.74 – 67.91 |
| 52-Week Range | USD 51.12 – 71.11 |
| Volume | 174,082 shares |
| Market Cap | $3.53B |
| Exchange | NYQ |
Technical Analysis (CBU)
Nexqual's technical model rates CBU "BUY" based on 4 bullish and 1 bearish signals across 125 daily candles, as of July 25, 2026 at 06:56 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 52.25 (neutral) |
| vs SMA50 | Above (USD 65.23) |
| MACD | 0.69 (positive) |
Analyst Ratings (CBU)
Wall Street analysts rate CBU "None" based on 6 analysts, with a mean price target of USD 69.17 (range USD 66–75), per Nexqual as of July 25, 2026 at 06:56 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 69.17 |
| 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 | $221.77M |
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, July 25, 2026 at 06:56 UTC.
Financials & Fundamentals (CBU)
| Total Revenue | $814.75M |
|---|---|
| Revenue Growth (YoY) | +9.50% |
| Gross Margin | +0.00% |
| Operating Margin | +38.19% |
| Profit Margin | +26.76% |
| ROE | +11.30% |
| Total Cash | $562.65M |
| Total Debt | $653.97M |
Source: Nexqual, July 25, 2026 at 06:56 UTC.
Financial Health Score (CBU)
Nexqual rates Community Financial System, Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 06:56 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 | +0.75% |
|---|---|
| Institutional Ownership | +79.21% |
| Shares Outstanding | 52.55M |
| Float | 52.06M |
| Short % of Float | +4.95% |
Source: Nexqual, July 25, 2026 at 06:56 UTC.
Leadership (CBU)
Community Financial System, Inc. is led by Dimitar A. Karaivanov (age 43), President, CEO & Director, per Nexqual as of July 25, 2026 at 06:56 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 July 25, 2026 at 06:56 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Neuberger Berman Group, LLC | 10.77% |
| 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 | 22.77% |
| Vanguard Group | 19.36% |
| State Street | 6.96% |
| Dimensional Fund Advisors | 3.46% |
| Geode Capital | 2.47% |
Source: Nexqual, July 25, 2026 at 06:56 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 116.58 | ▲ 1.06% |
| NBTB | NBT Bancorp Inc. | USD 52.38 | ▲ 1.26% |
| CTBI | Community Trust Bancorp, Inc. | USD 76.15 | ▲ 2.64% |
| AROW | Arrow Financial Corporation | USD 39.45 | ▼ 3.14% |
| CHCO | City Holding Company | USD 139.62 | ▲ 0.32% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 06:56 UTC. This page is informational and not investment advice.