Is Community Bank System (CBU) overvalued or fairly valued?

MarketChacha shows Community Bank System's valuation in context — a trailing P/E of about 15.3, a forward P/E of about 12.6, a price-to-book of about 1.7 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Community Bank System's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.47×) from reported figures — education, not a rating.

What is Community Bank System's revenue?

Community Bank System reported revenue of $818.0M for FY2025, with net profit of $210.5M, per official filings.

What is the share price of Community Bank System (CBU)?

Community Bank System last traded at $65.01 (-1.0% on the day), as of 8/17/2026 — a delayed quote shown for education, not investment advice.

Community Bank System

CBU · NYSE · Financials · United States

Snapshot

TickerCBU

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees2,853

HeadquartersSyracuse, United States

Websiteir.cfsi.com

Filings tracked20

About Community Bank System

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. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

Who owns it

Insiders0.8%
Institutions80.0%
Public & other19.3%

383 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.36%
FMR, LLC6.99%
Vanguard Portfolio Management LLC6.75%
Neuberger Berman Group, LLC6.57%
State Street Corporation6.30%
Vanguard Capital Management LLC4.49%
Dimensional Fund Advisors LP3.50%
Morgan Stanley3.20%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.47×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend20.2% → 25.7%

Margin has expanded by about 5.5 points — the business is getting more profitable.

Growth qualityrev 12% · PAT 26%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $231.8M · EPS 1.21

Est. earnings growth +12.6%

Next fiscal year

Rev $964.0M · EPS 5.19

Est. earnings growth +13.1%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$818.0M

Net margin

25.7%

ROE

10.5%

Revenue CAGR (2y)

+12.0%

Profit CAGR (2y)

+26.3%

EPS (FY2025)

3.97

Net profit (FY2025)

$210.5M

Ask MarketChacha about CBU

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$818.0M	$210.5M	3.97	25.7%	10.5%
FY2024	$746.3M	$182.5M	3.44	24.5%	10.4%
FY2023	$652.1M	$131.9M	2.45	20.2%	7.8%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$223.2M	$61.3M	1.16	27.5%
2026Q1	$213.3M	$57.2M	1.08	26.8%
2025Q3	$207.1M	$55.1M	1.04	26.6%
2025Q2	$199.3M	$51.3M	0.97	25.8%
2025Q1	$196.2M	$49.6M	0.93	25.3%
2024Q3	$188.9M	$43.9M	0.83	23.2%
2024Q2	$183.8M	$47.9M	0.91	26.1%
2024Q1	$177.3M	$40.9M	0.76	23.1%
2023Q3	—	$44.1M	0.82	—
2023Q2	—	$48.3M	0.89	—
2023Q1	—	$5.8M	0.11	—

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC8/7/2026
8-K — Results of operations, Exhibits
SEC7/28/2026material
8-K — Other events, Exhibits
SEC6/1/2026material
8-K — Shareholder vote results
SEC5/22/2026material
8-K — Reg FD disclosure
SEC5/13/2026material
10-Q filing
SEC5/8/2026
8-K — Results of operations, Exhibits
SEC4/29/2026material
10-K filing
SEC2/27/2026
8-K — Reg FD disclosure
SEC2/11/2026material
8-K — Executive/director change, Exhibits
SEC2/11/2026material
8-K — Results of operations, Exhibits
SEC1/27/2026material
8-K — Reg FD disclosure, Other events, Exhibits
SEC1/15/2026material
8-K — Executive/director change, Other events
SEC1/6/2026material

2025

8-K — Reg FD disclosure
SEC11/12/2025material
8-K — Other events, Exhibits
SEC11/10/2025material
10-Q filing
SEC11/6/2025
8-K — Results of operations, Exhibits
SEC10/21/2025material
8-K — Executive/director change, Exhibits
SEC9/18/2025material
8-K — Other events, Exhibits
SEC9/8/2025material
10-Q filing
SEC8/8/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.