Stocks · Financial Services · Banks - Regional
Community Bank System, Inc. CBU
$60.69 +1.27% Close, Oct 2, 2026 · NYSE · Market cap $3.19B
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 14.1× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Diluted EPS over the last four quarters was $4.31, up 17.4% year over year.
- Revenue over the last four quarters was $1.05B, up 7.1% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth47Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 48%
- EPS growth (TTM, YoY)Bottom 47%
- FCF growth (TTM, YoY)Bottom 48%
- Revenue growth, 3-year CAGRBottom 42%
- Revenue growth accelerationTop 42%
Quality76Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 49%
- Gross marginTop 15%
- Operating marginTop 31%
- Cash conversion (OCF / net income)Top 36%
- Accruals (lower is better)Top 43%
- Net debt / EBITDA (lower is better)Bottom 47%
- Interest coverTop 36%
Value72Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 46%
- Free-cash-flow yieldBottom 46%
- EBITDA / enterprise valueTop 34%
- Sales / enterprise valueBottom 43%
- P/E vs own 5-year history (lower is better)Top 3%
Momentum31Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 48%
- 6-month returnBottom 34%
- 1-year return vs S&P 500Bottom 47%
- Distance from 52-week highBottom 35%
- Trend checklist (0–4)Bottom 27%
Revisions13Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 23%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 11%
- Upside to consensus price targetTop 36%
Stability46Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 39%
- Maximum drawdown, 3 yearsBottom 50%
- Beta vs S&P 500 (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Bottom 47%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 6.7% | 7.1% | ↑ |
| EPS growth (YoY) | 14.1% | 17.4% | ↑ |
| Gross margin | 77.3% | 80.1% | ↑ |
| Operating margin | 25.8% | 28.7% | ↑ |
| FCF margin | 20.3% | 22.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.1% | 6.7% | ↑ | Top 48% |
| EPS growth (TTM, YoY) | 17.4% | 14.1% | ↑ | Bottom 47% |
| Gross margin | 80.1% | 77.3% | ↑ | Top 15% |
| Operating margin | 28.7% | 25.8% | ↑ | Top 31% |
| Net margin | 21.8% | 19.9% | ↑ | — |
| Free-cash-flow margin | 22.1% | 20.3% | ↑ | — |
| Return on invested capital | 1.3% | — | Bottom 49% | |
| Revenue growth, 3-year CAGR | 12.9% | — | Bottom 42% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.35×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -1.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.50×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.09%
- Net buyback yield (TTM)
- 0.48%
- Shareholder yield
- 3.57%
- Share count change, 1 year
- -0.4%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 2 of 8
- Average EPS surprise, last 4
- -2.2%
- Average 2-day reaction, last 8
- -1.1%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $73.00
- Target vs current price
- +20.3%
- Analysts with a rating
- 12
- Share rating Buy or Strong Buy
- 17%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | -1.7% | -2.8% | -0.1% | -5.4% | — |
| Apr 29, 2026 | -0.9% | -1.5% | +0.7% | +1.4% | +6.4% |
| Jan 27, 2026 | -5.3% | -0.5% | +3.2% | +1.7% | +1.1% |
| Oct 21, 2025 | -1.0% | +0.2% | +2.4% | -2.4% | +11.9% |
| Jul 22, 2025 | -5.8% | -3.7% | -6.4% | -1.3% | +1.0% |
| Apr 29, 2025 | +2.2% | -2.1% | +1.3% | +2.1% | -2.1% |
| Jan 21, 2025 | +6.8% | +3.3% | +4.8% | +3.6% | -16.1% |
| Oct 22, 2024 | -5.7% | -1.8% | +3.7% | +15.6% | +7.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $1.16 | $1.18 | -1.7% | $218.4M |
| Apr 29, 2026 | $1.09 | $1.10 | -0.9% | $213.7M |
| Jan 27, 2026 | $1.07 | $1.13 | -5.3% | $215.6M |
| Oct 21, 2025 | $1.04 | $1.05 | -1.0% | $207.1M |
| Jul 22, 2025 | $0.97 | $1.03 | -5.8% | $199.3M |
| Apr 29, 2025 | $0.93 | $0.91 | +2.2% | $196.2M |
| Jan 21, 2025 | $0.94 | $0.88 | +6.8% | $196.3M |
| Oct 22, 2024 | $0.83 | $0.88 | -5.7% | $188.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.1× | 18.2× | 0th | Top 46% |
| P/E (forward) | 13.2× | — | — | — |
| EV / EBITDA | 11.0× | — | — | Top 34% |
| EV / Sales | 3.53× | — | — | Bottom 43% |
| Free-cash-flow yield | 7.25% | — | — | Bottom 46% |
| Earnings yield | 7.10% | — | — | Top 46% |
P/E over the past five years
Range 14.5× – 22.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +4.2%
- Earnings per share growth (TTM)
- +17.4%
- Change in P/E multiple
- +1.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.6%
- 200-day average slope (20 days)
- +0.6%
- Distance from 50-day average
- -4.2%
- Distance from 200-day average
- -3.3%
- RSI (14)
- 41.4
- Relative volume
- 0.94×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.8%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.85
- Correlation with S&P 500
- 0.48
- Current drawdown from 1-year high
- -14.5%
- Maximum drawdown, 3 years
- -28.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | Oct 24, 2023 | -54.4% | 659 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.19B
- P/E (TTM)
- 14.1
- EPS, diluted (TTM)
- $4.31
- Revenue (TTM)
- $1.05B
- Dividend yield
- 3.13%
- 52-week range
- $53.46 – $71.11
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $633.7M | $702.5M | $756.0M | $940.7M | $1.01B |
| Gross profit | $629.5M | $664.6M | $640.7M | $723.5M | $796.9M |
| Operating income | $241.3M | $240.3M | $168.2M | $236.7M | $275.4M |
| Net income | $189.7M | $188.1M | $131.9M | $182.5M | $210.5M |
| EPS (diluted) | $3.48 | $3.46 | $2.45 | $3.44 | $3.97 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $240.1M | $246.2M | $243.7M | $247.4M | $256.2M | $263.8M | $258.6M | $268.4M |
| Net income | $43.9M | $49.8M | $49.6M | $51.3M | $55.1M | $54.4M | $57.2M | $61.3M |
| EPS (diluted) | $0.83 | $0.93 | $0.94 | $0.97 | $1.04 | $1.03 | $1.08 | $1.16 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $202.5M | $214.6M | $228.4M | $242.3M | $301.9M |
| Capital expenditure | -$13.4M | -$12.9M | -$18.6M | -$20.7M | -$68.5M |
| Free cash flow | $189.2M | $201.7M | $209.8M | $221.6M | $233.3M |
| Dividends paid | -$91.1M | -$93.4M | -$95.1M | -$95.8M | -$97.6M |
| Net share buybacks | $4.7M | -$15.4M | -$29.2M | -$38.9M | -$5.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $4.78B
- Total assets
- $17.76B
- Total liabilities
- $15.69B
- Total debt
- $764.0M
- Net debt
- $505.8M
- Shareholders’ equity
- $2.07B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.49 | Oct 13, 2026 |
| Jun 15, 2026 | $0.47 | Jul 10, 2026 |
| Mar 16, 2026 | $0.47 | Apr 10, 2026 |
| Dec 12, 2025 | $0.47 | Jan 12, 2026 |
| Sep 12, 2025 | $0.47 | Oct 10, 2025 |
| Jun 13, 2025 | $0.46 | Jul 10, 2025 |
| Mar 14, 2025 | $0.46 | Apr 10, 2025 |
| Dec 13, 2024 | $0.46 | Jan 10, 2025 |
Short interest
- Shares sold short
- 2,057,492
- Days to cover
- 9.18
- Change vs previous report
- +6.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Apr 13, 2004
- 2-for-1
- Mar 13, 1997
- 2-for-1
- May 16, 1986
- 2-for-1