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Community Bank System, Inc.(CBU)Earnings, Financials & Key Ratios
CBU•NYSE•Banking & Credit
15.4× P/E·Price updated Jun 17, 2026
AboutCommunity Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.Show more
- Net Interest Income$507M+12.8%
- Total Revenue$929M-1.3%
- Net Income$210M+15.3%
- Return on Equity11.17%+5.9%
- Net Interest Margin2.91%+6.1%
- Efficiency Ratio42.03%-18.8%
- ROA1.25%+9.0%
- Equity / Assets11.52%+7.1%
- Book Value per Share35.79+7.4%
CBU Key Insights
Community Bank System, Inc. (CBU) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 42.0% efficiency ratio
- ✓24 consecutive years of dividend growth
- ✓Well capitalized: 11.5% equity/assets
- ✓Healthy dividend yield of 2.8%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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CBU Price & Volume
Community Bank System, Inc. (CBU) stock price & volume — 10-year historical chart
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CBU Growth Metrics
Community Bank System, Inc. (CBU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.26%
5 Years8.51%
3 Years9.75%
TTM-
Profit CAGR
10 Years8.72%
5 Years5.03%
3 Years3.82%
TTM15.33%
EPS CAGR
10 Years6.16%
5 Years5.26%
3 Years4.78%
TTM15.74%
Return on Capital
10 Years10.01%
5 Years9.16%
3 Years7.17%
Last Year2.96%
CBU Recent Earnings
Community Bank System, Inc. (CBU) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$1.09-0.9%
$1.10
Rev
$214M-1.2%
$216M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$1.07-5.3%
$1.13
Rev
$216M+1.3%
$213M
Q4 2025
Oct 21, 2025Metric
Actual
Est
EPS
$1.04-1.0%
$1.05
Rev
$207M+0.4%
$206M
Q3 2025
Jul 22, 2025Metric
Actual
Est
EPS
$0.97-5.8%
$1.03
Rev
$199M-3.4%
$206M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $1.09vs $1.10-0.9% | $214Mvs $216M-1.2% |
| Q1 2026 | Jan 27, 2026 | $1.07vs $1.13-5.3% | $216Mvs $213M+1.3% |
| Q4 2025 | Oct 21, 2025 | $1.04vs $1.05-1.0% | $207Mvs $206M+0.4% |
| Q3 2025 | Jul 22, 2025 | $0.97vs $1.03-5.8% | $199Mvs $206M-3.4% |
Based on last 12 quarters of dataView full earnings history →
CBU Peer Comparison
Community Bank System, Inc. (CBU) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TRMK | 2.61B | 44.31 | 11.98 | 34.75% | 19.32% | 10.77% | 0.53 | |
 WSBC | 3.4B | 35.40 | 15.66 | 51.41% | 15.55% | 5.67% | 0.41 | |
 NBTB | 2.42B | 46.35 | 13.92 | 10.36% | 18.76% | 9.51% | 0.17 | |
 FULT | 4.37B | 22.69 | 10.91 | 5.03% | 20.7% | 11.6% | 0.37 | |
 IBCP | 705.48M | 34.27 | 10.48 | -0.3% | 22.12% | 14.2% | 0.23 | |
 CZWI | 204.61M | 21.25 | 14.55 | -9.41% | 16.01% | 7.81% | 0.28 | |
 CNOB | 1.62B | 32.20 | 21.76 | 13.44% | 11.89% | 5.49% | 0.74 | |
 WAFD | 2.79B | 36.21 | 13.77 | -1.58% | 17.46% | 8.02% | 0.60 |
Compare CBU vs Peers
Community Bank System, Inc. (CBU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CBU Income Statement
Community Bank System, Inc. (CBU) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 315.68M | 345.06M | 359.18M | 368.4M | 374.41M | 420.63M | 437.29M | 449.12M | 506.55M |
NII Growth % | 15.25% | 9.31% | 4.09% | 2.57% | 1.63% | 12.34% | 3.96% | 2.71% | 12.79% |
Net Interest Margin % | 2.94% | 3.25% | 3.15% | 2.64% | 2.41% | 2.66% | 2.81% | 2.74% | 2.91% |
Interest Income | 329.45M | 362.73M | 385.73M | 389.28M | 387.42M | 443.73M | 541.39M | 643.53M | 699.27M |
Interest Expense | 13.78M | 17.68M | 26.55M | 20.88M | 13.01M | 23.1M | 104.1M | 194.41M | 192.72M |
Loan Loss Provision | 10.98M | 10.84M | 8.43M | 14.21M | -8.84M | 14.77M | 11.2M | 22.77M | 53.99M |
Non-Interest Income | 202.42M | 224.38M | 230.62M | 228M | 246.24M | 258.73M | 214.59M | 297.19M | 229.43M |
Non-Interest Income % | 38.06% | 38.22% | 37.42% | 36.94% | 38.86% | 36.83% | 28.39% | 31.59% | 24.7% |
Total Revenue | 531.88M▲ 0% | 587.11M▲ 10.4% | 616.35M▲ 5.0% | 617.28M▲ 0.2% | 633.65M▲ 2.7% | 702.45M▲ 10.9% | 755.98M▲ 7.6% | 940.71M▲ 24.4% | 928.71M▼ 1.3% |
Revenue Growth % | 20.66% | 10.38% | 4.98% | 0.15% | 2.65% | 10.86% | 7.62% | 24.44% | -1.28% |
Non-Interest Expense | 347.15M | 345.61M | 372.03M | 376.11M | 388.14M | 424.27M | 472.44M | 486.82M | 390.34M |
Efficiency Ratio | 65.27% | 58.87% | 60.36% | 60.93% | 61.25% | 60.4% | 62.49% | 51.75% | 42.03% |
Operating Income | 159.97M▲ 0% | 212.99M▲ 33.1% | 209.34M▼ 1.7% | 206.08M▼ 1.6% | 241.35M▲ 17.1% | 240.31M▼ 0.4% | 168.23M▼ 30.0% | 236.71M▲ 40.7% | 291.65M▲ 23.2% |
Operating Margin % | 30.08% | 36.28% | 33.96% | 33.38% | 38.09% | 34.21% | 22.25% | 25.16% | 31.4% |
Operating Income Growth % | 3.47% | 33.15% | -1.71% | -1.56% | 17.12% | -0.43% | -30% | 40.7% | 23.21% |
Pretax Income | 159.97M▲ 0% | 212.99M▲ 33.1% | 209.34M▼ 1.7% | 206.08M▼ 1.6% | 241.35M▲ 17.1% | 240.31M▼ 0.4% | 168.23M▼ 30.0% | 236.71M▲ 40.7% | 275.39M▲ 16.3% |
Pretax Margin % | 30.08% | 36.28% | 33.96% | 33.38% | 38.09% | 34.21% | 22.25% | 25.16% | 29.65% |
Income Tax | 9.25M | 44.35M | 40.27M | 41.4M | 51.65M | 52.23M | 36.31M | 54.22M | 64.94M |
Effective Tax Rate % | 5.78% | 20.82% | 19.24% | 20.09% | 21.4% | 21.74% | 21.58% | 22.91% | 23.58% |
Net Income | 150.72M▲ 0% | 168.64M▲ 11.9% | 169.06M▲ 0.3% | 164.68M▼ 2.6% | 189.69M▲ 15.2% | 188.08M▼ 0.9% | 131.92M▼ 29.9% | 182.48M▲ 38.3% | 210.46M▲ 15.3% |
Net Margin % | 28.34% | 28.72% | 27.43% | 26.68% | 29.94% | 26.77% | 17.45% | 19.4% | 22.66% |
Net Income Growth % | 45.18% | 11.89% | 0.25% | -2.59% | 15.19% | -0.85% | -29.86% | 38.32% | 15.33% |
Net Income (Continuing) | 150.72M | 168.64M | 169.06M | 164.68M | 189.69M | 188.08M | 131.92M | 182.48M | 210.46M |
EPS (Diluted) | 3.03▲ 0% | 3.26▲ 7.6% | 3.23▼ 0.9% | 3.08▼ 4.6% | 3.48▲ 13.0% | 3.46▼ 0.6% | 2.45▼ 29.2% | 3.44▲ 40.4% | 3.98▲ 15.7% |
EPS Growth % | 30.6% | 7.59% | -0.92% | -4.64% | 12.99% | -0.57% | -29.19% | 40.41% | 15.7% |
EPS (Basic) | 3.07 | 3.30 | 3.26 | 3.10 | 3.51 | 3.48 | 2.45 | 3.44 | 3.98 |
Diluted Shares Outstanding | 49.74M | 51.75M | 52.25M | 53.32M | 54.4M | 54.21M | 53.73M | 52.88M | 56.05M |
CBU Balance Sheet
Community Bank System, Inc. (CBU) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 3.25B | 3.15B | 3.25B | 5.19B | 6.81B | 4.36B | 3.11B | 508.96M | 301.75M |
Cash & Due from Banks | 221.04M | 211.83M | 205.03M | 1.65B | 1.88B | 209.9M | 190.96M | 191.89M | 301.75M |
Short Term Investments | 3.03B | 2.94B | 3.04B | 3.55B | 4.93B | 4.15B | 2.92B | 317.07M | 0 |
Total Investments | 9.29B | 9.17B | 9.89B | 10.91B | 12.26B | 13.98B | 13.74B | 14.49B | 15.32B |
Investments Growth % | 21.35% | -1.26% | 7.81% | 10.31% | 12.38% | 14.05% | -1.77% | 5.5% | 5.73% |
Long-Term Investments | 6.26B | 6.24B | 6.85B | 7.36B | 7.33B | 9.83B | 10.82B | 14.18B | 15.32B |
Accounts Receivables | 36.18M | 31.05M | 31.65M | 39.03M | 35.89M | 52.61M | 54.53M | 54.34M | 0 |
Goodwill & Intangibles | 825.09M | 807.35M | 836.92M | 846.65M | 864.34M | 902.84M | 897.99M | 901.47M | 942.72M |
Goodwill | 734.43M | 733.5M | 773.81M | 793.71M | 799.11M | 841.84M | 845.4M | 853.23M | 887.98M |
Intangible Assets | 90.66M | 73.85M | 63.11M | 52.94M | 65.23M | 61M | 52.59M | 48.25M | 54.74M |
PP&E (Net) | 123.39M | 119.99M | 164.64M | 165.66M | 160.65M | 160.78M | 173.42M | 183.76M | 246.5M |
Other Assets | 249.49M | 262.96M | 281.25M | 323.29M | 354.96M | 524.95M | 501.7M | 561.79M | 369.36M |
Total Current Assets | 3.29B | 3.18B | 3.28B | 5.23B | 6.85B | 4.41B | 3.17B | 563.3M | 359.49M |
Total Non-Current Assets | 7.46B | 7.43B | 8.13B | 8.7B | 8.71B | 11.42B | 12.39B | 15.82B | 17.05B |
Total Assets | 10.75B▲ 0% | 10.61B▼ 1.3% | 11.41B▲ 7.6% | 13.93B▲ 22.1% | 15.55B▲ 11.6% | 15.84B▲ 1.8% | 15.56B▼ 1.8% | 16.39B▲ 5.3% | 17.41B▲ 6.3% |
Asset Growth % | 23.98% | -1.29% | 7.57% | 22.09% | 11.64% | 1.82% | -1.77% | 5.34% | 6.27% |
Return on Assets (ROA) | 1.55% | 1.58% | 1.54% | 1.3% | 1.29% | 1.2% | 0.84% | 1.14% | 1.25% |
Accounts Payable | 180.57M | 157.46M | 215.22M | 230.72M | 210.8M | 133.86M | 0 | 0 | 0 |
Total Debt | 485.9M | 413.68M | 344.87M | 371.29M | 329.88M | 1.14B | 765.2M | 998.87M | 746.66M |
Net Debt | 264.86M | 201.85M | 139.84M | -1.27B | -1.55B | 927.88M | 574.24M | 806.97M | 444.91M |
Long-Term Debt | 124.89M | 99.92M | 94.86M | 87.28M | 5.17M | 22.72M | 407.6M | 619.31M | 458.77M |
Short-Term Debt | 361.01M | 313.77M | 250.01M | 284.01M | 324.72M | 1.12B | 357.6M | 379.55M | 241.97M |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 164.5M | 182.64M | 14.55B |
Total Current Liabilities | 8.99B | 8.79B | 9.46B | 11.74B | 13.45B | 14.26B | 13.29B | 13.82B | 241.97M |
Total Non-Current Liabilities | 124.89M | 99.92M | 94.86M | 87.28M | 5.17M | 22.72M | 572.1M | 801.95M | 15.17B |
Total Liabilities | 9.11B | 8.89B | 9.56B | 11.83B | 13.45B | 14.28B | 13.86B | 14.62B | 15.41B |
Total Equity | 1.64B▲ 0% | 1.71B▲ 4.8% | 1.86B▲ 8.3% | 2.1B▲ 13.4% | 2.1B▼ 0.2% | 1.55B▼ 26.1% | 1.7B▲ 9.4% | 1.76B▲ 3.8% | 2.01B▲ 13.8% |
Equity Growth % | 36.49% | 4.8% | 8.25% | 13.41% | -0.16% | -26.14% | 9.42% | 3.82% | 13.8% |
Equity / Assets (Capital Ratio) | 15.22% | 16.16% | 16.26% | 15.1% | 13.51% | 9.8% | 10.92% | 10.76% | 11.52% |
Return on Equity (ROE) | 10.64% | 10.07% | 9.47% | 8.32% | 9.02% | 10.3% | 8.12% | 10.55% | 11.17% |
Book Value per Share | 32.88 | 33.12 | 35.51 | 39.46 | 38.62 | 28.63 | 31.60 | 33.33 | 35.79 |
Tangible BV per Share | 16.29 | 17.52 | 19.49 | 23.58 | 22.73 | 11.97 | 14.89 | 16.29 | 18.97 |
Common Stock | 51.26M | 51.58M | 51.98M | 53.76M | 54.09M | 54.19M | 54.37M | 54.7M | 54.91M |
Additional Paid-in Capital | 894.88M | 911.75M | 927.34M | 1.03B | 1.04B | 1.05B | 1.06B | 1.08B | 1.09B |
Retained Earnings | 700.56M | 795.56M | 882.85M | 960.18M | 1.06B | 1.15B | 1.19B | 1.28B | 1.39B |
Accumulated OCI | -3.7M | -45.3M | -10.23M | 62.08M | -50.63M | -686.44M | -556.89M | -548.09M | -413.61M |
Treasury Stock | -21.01M | -11.53M | -6.82M | -6.2M | -10.61M | -26.48M | -55.59M | -100.54M | -110.94M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CBU Cash Flow Statement
Community Bank System, Inc. (CBU) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 189.67M | 221.41M | 202.5M | 179.48M | 202.55M | 214.6M | 228.42M | 242.28M | 301.86M |
Operating CF Growth % | 39.7% | 16.73% | -8.54% | -11.37% | 12.85% | 5.95% | 6.44% | 6.07% | 24.59% |
Net Income | 150.72M | 168.64M | 169.06M | 164.68M | 189.69M | 188.08M | 131.92M | 182.48M | 210.46M |
Depreciation & Amortization | 33.46M | 34.35M | 32.23M | 30.64M | 30.16M | 30.43M | 28.35M | 28.66M | 29.42M |
Deferred Taxes | -28.69M | 2.66M | -2.3M | -2.34M | 7.99M | 1.31M | -7.5M | 674K | 11.67M |
Other Non-Cash Items | 2.96M | -565K | -4.31M | -2.98M | -33.7M | -6.72M | 65.27M | 27.97M | 31.88M |
Working Capital Changes | 26.09M | 10.25M | 2.54M | -16.94M | 2.06M | -6.23M | 1.11M | -5.88M | 7.57M |
Cash from Investing | 131.37M | 17.5M | -157.05M | -398.72M | -1.53B | -2.14B | 335.78M | -835.62M | -182.1M |
Purchase of Investments | -103.68M | -78.16M | -810.32M | -1.12B | -1.96B | -1.39B | -68.08M | -166.18M | -147.16M |
Sale/Maturity of Investments | 187.39M | 146.65M | 804.03M | 886.07M | 426.68M | 266.94M | 1.35B | 126.73M | 94.75M |
Net Investment Activity | 83.71M | 68.49M | -6.29M | -232.08M | -1.54B | -1.12B | 1.28B | -39.46M | -52.41M |
Acquisitions | -108.15M | -2.93M | -6.29M | 32.89M | -29.98M | -915K | -8.52M | -15.62M | 471.67M |
Other Investing | 166.63M | -35.41M | -138.78M | -184.74M | 49.93M | -1B | -915.81M | -759.84M | -532.83M |
Cash from Financing | -273.86M | -248.11M | -52.25M | 1.66B | 1.56B | 259.22M | -583.13M | 599.38M | -15.01M |
Dividends Paid | -62.3M | -71.5M | -80.24M | -87.13M | -91.05M | -93.39M | -95.1M | -95.78M | -97.56M |
Share Repurchases | -3.31M | -298K | -286K | -271K | -5.11M | -16.61M | -30.23M | -46.03M | -11.17M |
Stock Issued | 14.62M | 19M | 13.8M | 15.88M | 9.82M | 1.18M | 1.01M | 7.09M | 5.28M |
Net Stock Activity | 11.32M | 18.71M | 13.51M | 15.61M | 4.71M | -15.43M | -29.22M | -38.94M | -5.89M |
Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K |
Other Financing | -78.07M | -122.77M | 101.56M | 1.75B | 1.73B | -400.27M | -128.44M | 466.17M | 397.09M |
Net Change in Cash | 47.18M▲ 0% | -9.2M▼ 119.5% | -6.8M▲ 26.1% | 1.44B▲ 21275.4% | 229.26M▼ 84.1% | -1.67B▼ 826.3% | -18.93M▲ 98.9% | 6.04M▲ 131.9% | 104.75M▲ 1633.7% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 173.86M | 221.04M | 211.83M | 205.03M | 1.65B | 1.88B | 209.9M | 190.96M | 197M |
Cash at End | 221.04M | 211.83M | 205.03M | 1.65B | 1.88B | 209.9M | 190.96M | 197M | 301.75M |
Interest Paid | 13.71M | 17.93M | 25.43M | 21.17M | 13.75M | 23.4M | 100.04M | 192.87M | 0 |
Income Taxes Paid | 41.23M | 30.27M | 46.46M | 39.58M | 41.53M | 57.13M | 41.66M | 43.73M | 0 |
Free Cash Flow | 178.85M▲ 0% | 208.76M▲ 16.7% | 196.82M▼ 5.7% | 164.7M▼ 16.3% | 189.17M▲ 14.9% | 201.68M▲ 6.6% | 209.84M▲ 4.0% | 221.57M▲ 5.6% | 233.33M▲ 5.3% |
FCF Growth % | 45.02% | 16.72% | -5.72% | -16.32% | 14.86% | 6.61% | 4.04% | 5.59% | 5.31% |
CBU Banking Ratios
Community Bank System, Inc. (CBU) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 8.88% | 10.64% | 10.07% | 9.47% | 8.32% | 9.02% | 10.3% | 8.12% | 10.55% | 11.17% |
Return on Assets (ROA) | 1.21% | 1.55% | 1.58% | 1.54% | 1.3% | 1.29% | 1.2% | 0.84% | 1.14% | 1.25% |
Net Interest Margin | 3.16% | 2.94% | 3.25% | 3.15% | 2.64% | 2.41% | 2.66% | 2.81% | 2.74% | 2.91% |
Efficiency Ratio | 60.54% | 65.27% | 58.87% | 60.36% | 60.93% | 61.25% | 60.4% | 62.49% | 51.75% | 42.03% |
Equity / Assets | 13.82% | 15.22% | 16.16% | 16.26% | 15.1% | 13.51% | 9.8% | 10.92% | 10.76% | 11.52% |
Book Value / Share | 26.77 | 32.88 | 33.12 | 35.51 | 39.46 | 38.62 | 28.63 | 31.6 | 33.33 | 35.79 |
NII Growth | 10.26% | 15.25% | 9.31% | 4.09% | 2.57% | 1.63% | 12.34% | 3.96% | 2.71% | 12.79% |
Dividend Payout | 53.03% | 41.34% | 42.39% | 47.46% | 52.91% | 48% | 49.65% | 72.09% | 52.49% | 46.36% |
Related:CBU Dividend History·CBU Revenue History·CBU Price History·CBU P/E History·CBU Financial Ratios·CBU Institutional Holders
CBU SEC Filings & Documents
Community Bank System, Inc. (CBU) SEC filings — annual & quarterly reports (10-K, 10-Q)
CBU Frequently Asked Questions
Community Bank System, Inc. (CBU) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Community Bank System, Inc. (CBU) saw revenue decline by 1.3% over the past year.
Yes, Community Bank System, Inc. (CBU) is profitable, generating $210.5M in net income for fiscal year 2025 (22.7% net margin).
Dividend & Returns
Yes, Community Bank System, Inc. (CBU) pays a dividend with a yield of 2.84%. This makes it attractive for income-focused investors.
Community Bank System, Inc. (CBU) has a return on equity (ROE) of 11.2%. This is reasonable for most industries.
Industry Metrics
Community Bank System, Inc. (CBU) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
Community Bank System, Inc. (CBU) has an efficiency ratio of 42.0%. This is excellent, indicating strong cost control.