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Upstate New York bank holding company offering retail/commercial banking, benefits administration and insurance services.
Upstate New York bank holding company offering retail/commercial banking, benefits administration and insurance services.
A bank that also runs a sizeable fee business: its benefits unit handles recordkeeping and administration for employers' retirement plans nationwide, earning fees that do not move with interest rates. Fees from this and from insurance and wealth management make up a larger part of income than at most community banks.
Moat: narrow (switching costs, distribution). Long-standing upstate NY deposit franchise and niche national benefits-administration business give sticky fee income.
Headquarters: DeWitt, New York · Employees: 3,001
Size Community Financial System (CBU) is a United States Financials company (Major Banks) with a market value of $3.39B, the 1459th largest of 3,117 United States companies the cockpit tracks. Shares closed at $64.74 on 6 Nov 2026.
Performance Over six months the shares gained 1.2%, against +7.1% for the median peer and -1.1% for the United States market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 7.4% over the last twelve months (peer median +15.3%); the operating margin is 35.3% (peer median 32.0%).
Valuation It trades at 1.67× book value against a peer median of 0.97× (3rd most expensive of 21).
Price implies The share price implies a return on equity of about 12.5%; Community Financial System delivers 11.8%, so the price asks more than the business earns today.
Backlog Backlog (remaining performance obligations) was $1.70M at 30 Sep 2026, down 11% on a year earlier — 0.0 years of trailing revenue. Backlog detail →
Short interest Short interest is 3.6% of the free float (15 Oct 2026).
Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.07B | $1.01B | $944M | $757M | $704M |
| Revenue growth | — | +7% | +25% | +7% | — |
| Net income | $234M | $210M | $182M | $131M | $188M |
| Free cash flow | n/a | $233M | $222M | $210M | $202M |
| Capital expenditure | n/a | $68.5M | $20.7M | $18.6M | $12.9M |
| Total debt | $636M | $747M | $1.05B | $807M | $1.17B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Community Financial System CBU | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% |
| NBT Bancorp NBTB | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% |
| Financial Institutions FISI | $776M | +12% | +42% | 30% | 1.29× | n/a |
| Arrow Financial AROW | $713M | +4% | +14% | 9% | 1.38× | 10.6% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CBU | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +9.5% | +0.6% | 2nd highest of 21 |
| 6-month return | +1.2% | +7.1% | 8th lowest of 21 |
| Return on equity | 11.8% | 8.9% | 7th highest of 21 |
| Price / book | 1.67× | 0.97× | 3rd most expensive of 21 |
| Trailing P/E | 14.6× | 13.0× | 8th most expensive of 20 |
| ROE the price implies | 12.5% | 9.3% | 5th most demanding of 20 |
| ROE delivered | 11.8% | 8.9% | 6th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Community Financial System CBU | United States | $3.39B | +1% | +7% | 12% | 1.67× | 12.5% | 11.8% |
| Simmons First National SFNC | United States | $3.37B | +10% | +122% | 8% | 1.01× | 9.7% | 7.8% |
| Dave DAVE | United States | $3.55B | +9% | +49% | 105% | 17.09× | 291.2% | 104.8% |
| Park National PRK | United States | $3.20B | +2% | +21% | 13% | 1.87× | 13.1% | 13.1% |
| Nicolet Bankshares NIC | United States | $3.60B | +18% | +46% | 10% | 1.62× | 11.5% | 10.2% |
| Bank of Queensland BOQ.AX | Australia | $3.19B | +14% | -6% | 4% | 0.80× | 8.9% | 4.3% |
| Banque Cantonale de Geneve BCGE.SW | Switzerland | $3.17B | +12% | -3% | 10% | 1.01× | n/a | 9.9% |
| TBC Bank TBCG.L | United Kingdom | $3.64B | +11% | +16% | 24% | 1.40× | 15.7% | 23.8% |
| BankUnited BKU | United States | $3.14B | -7% | -5% | 9% | 1.09× | 11.9% | 9.2% |
| JB Financial 175330.KS | South Korea | $3.67B | 0% | +9% | 13% | 0.94× | 5.3% | n/a |
| Shiga Bank 8366.T | Japan | $3.12B | +11% | +23% | 4% | 0.76× | 3.9% | 4.4% |
| Daishi Hokuetsu Financial 7327.T | Japan | $3.73B | +9% | +18% | 9% | 0.94× | 6.3% | 8.6% |
| Sparebanken Norge SBNOR.OL | Norway | $3.78B | +8% | +62% | 7% | 0.71× | 6.1% | n/a |
| Kyushu Financial 7180.T | Japan | $3.79B | +7% | +15% | 5% | 0.73× | 6.6% | 4.9% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| Flagstar Bank, National Association FLG | United States | $4.21B | -26% | -18% | 1% | 0.59× | 7.4% | 1.2% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
Community Financial System reported $1.70M of remaining performance obligations at 30 Sep 2026, down 11% from a year earlier and up 21% from the previous quarter. That is 0.0 years of trailing revenue already under contract. Book-to-bill last quarter: 1.00.