Trailing Dividend / Share
$1.74
Community Bank System, Inc. (CBU) Dividend History
Income profile from 1985 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.8%
Payout Ratio
46.4%
Sustainable
Dividend Streak
24 years
CBU Dividend Income Check
Safety
46.4% payout ratio with sustainable safety profile.
Consistency
24 straight years of dividend increases.
Income Trend
Yield on cost is 3.0% and trend is rising.
CBU Dividend Scorecard
Yield & Income
Dividend Yield2.8%
Trailing DPS$1.74
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout46.4%
Earnings SafetySustainable
FCF Payout42.0%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak24 years
3Y CAGR2.2%
5Y CAGR2.3%
Yield on Cost (5Y)3.0%
YOC Trendrising
Total Returns
Buyback Yield0.3%
Total Shareholder Yield3.1%
1Y Total Return18.4%
5Y Total Return-5.4%
Div Contribution (5Y)11.9%
Estimated $10K growth (return + dividends):
5Y ago$9,46410Y ago$19,60020Y ago$47,204
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
CBU Income Growth Story
Dividend per share and yield on cost over time (42 years of payments)
CBU Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Community Bank System, Inc. distributes 46.4% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 42.0%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
CBU has raised its dividend for 24 consecutive years, with a 3-year CAGR of 2.2% and 5-year CAGR of 2.3%.
Total Shareholder Returns
Beyond cash dividends, CBU returns capital through share repurchases. The combined picture: 2.8% dividend yield, 0.3% buyback yield, 3.1% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.0% and is currently rising. The 5-year total return is -5.4%, with dividends contributing 11.9% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $19,600 today.
CBU Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$9.00
Avg/Payment$0.4500
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 15, 2026Latest | $0.4700 | — | 2.91% | Jul 10, 2026 |
| Mar 16, 2026 | $0.4700 | — | 3.26% | Apr 10, 2026 |
| Dec 12, 2025 | $0.4700 | — | 3.10% | Jan 12, 2026 |
| Sep 12, 2025 | $0.4700 | ↑ +2.2% | 3.14% | Oct 10, 2025 |
| Jun 13, 2025 | $0.4600 | — | 3.34% | Jul 10, 2025 |
| Mar 14, 2025 | $0.4600 | — | 3.20% | Apr 10, 2025 |
| Dec 13, 2024 | $0.4600 | — | 2.73% | Jan 10, 2025 |
| Sep 13, 2024 | $0.4600 | ↑ +2.2% | 3.14% | Oct 10, 2024 |
CBU Dividend vs Peers
Comparable companies in the same industry
#6 yield in peer group
Div Yield
2.8%
#6 of 9
Safety
Sustainable
46.4% payout
Streak
24Y
2.3% 5Y CAGR
Total Shareholder
3.1%
#8 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| CBUCommunity Bank Syste… | $3.3B | 2.8% | 46.4% | 24 | Sustainable |
 TRMKTrustmark Corporatio… | $2.6B | 2.2% | 26.1% | 1 | Sustainable |
1st  WSBCWesBanco, Inc. | $3.5B | 3.8% | 56.1% | 15 | Sustainable |
3rd  NBTBNBT Bancorp Inc. | $2.4B | 3.1% | 42.9% | 13 | Sustainable |
2nd  FULTFulton Financial Cor… | $4.4B | 3.4% | 36.1% | 5 | Sustainable |
 IBCPIndependent Bank Cor… | $706M | 3.0% | 31.5% | 11 | Sustainable |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
 CNOBConnectOne Bancorp, … | $1.6B | 2.0% | 39.7% | 7 | Sustainable |
 WAFDWaFd, Inc. | $2.8B | 2.9% | 37.4% | 16 | Sustainable |
CBU Annual Dividend History (1985–2026)
42 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.94 | — | 2 | — | — | — | 1.5% |
| 2025 | $1.86 | 2.2% | 4 | $3.98 | 46.7% | 2.14x | 3.0% |
| 2024 | $1.82 | 2.2% | 4 | $3.44 | 52.9% | 1.89x | 2.9% |
| 2023 | $1.78 | 2.3% | 4 | $2.45 | 72.7% | 1.38x | 2.9% |
| 2022 | $1.74 | 2.4% | 4 | $3.46 | 50.3% | 1.99x | 2.8% |
| 2021 | $1.70 | 2.4% | 4 | $3.48 | 48.9% | 2.05x | 2.7% |
| 2020 | $1.66 | 5.1% | 4 | $3.08 | 53.9% | 1.86x | 2.7% |
| 2019 | $1.58 | 9.7% | 4 | $3.23 | 48.9% | 2.04x | 2.5% |
| 2018 | $1.44 | 9.1% | 4 | $3.26 | 44.2% | 2.26x | 2.3% |
| 2017 | $1.32 | -25.0% | 4 | $3.03 | 43.6% | 2.30x | 2.1% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
41+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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CBU — Frequently Asked Questions
Quick answers to the most common questions about buying CBU stock.
How much dividend does CBU pay per share?
Community Bank System, Inc. (CBU) pays a trailing 12-month dividend of $1.74 per share, with a current dividend yield of +2.8%. Payments are made Semi-Annual.
When is CBU's next ex-dividend date?
CBU's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. CBU typically pays dividends Semi-Annual.
Is CBU's dividend safe?
CBU's dividend safety is rated "Sustainable" based on an earnings payout ratio of +46.4% and FCF payout ratio of +42.0%. With 24 consecutive years of dividend growth, the track record supports sustainability.
Is CBU a Dividend Achiever?
Yes, Community Bank System, Inc. is classified as a Dividend Achiever with 24 consecutive years of dividend increases. The 5-year dividend CAGR is +2.3%, demonstrating modest dividend growth.
How often does CBU pay dividends?
Community Bank System, Inc. pays dividends Semi-Annual. The trailing 12-month total is $1.74 per share. Dividend data on this page covers 41+ years from 1985 to 2026.
How much would $10,000 invested in CBU grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in CBU five years ago would be worth approximately $9,464 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is CBU's yield on cost for long-term holders?
CBU's yield on cost — the current dividend divided by the original purchase price — is +3.0% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.8% market yield, thanks to consistent dividend growth.