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Community Bank System, Inc. (CBU) Total Return Calculator with Dividends Reinvested

Community Bank System, Inc.

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The total return for Community Bank System, Inc. (CBU) stock is +17.77% over the past 12 months. So far it's up 10.77% this year. The 5-year total return is -10.24%, meaning $10,000 invested in CBU stock 5 years ago would be worth $8,976 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in CBU 1 year ago, it would be worth $11,810 today — you'd have gained $1,810 with dividends reinvested.

With Dividends Reinvested$11,810+18.10%

Price Only (No DRIP)$11,435+14.35%

Dividend Boost+$3744 payments · +3.74% extra

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in CBU

1Y$11,777+$1,777 (+17.8%)17.8% CAGR

3Y$14,603+$4,603 (+46.0%)13.5% CAGR

5Y$8,976-$1,024 (-10.2%)-2.1% CAGR

10Y$20,737+$10,737 (+107.4%)7.6% CAGR

15Y$36,321+$26,321 (+263.2%)9.0% CAGR

20Y$44,159+$34,159 (+341.6%)7.7% CAGR

30Y$123,665+$113,665 (+1136.7%)8.7% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-13	$0.46	$55.13	+0.008344
2025-09-12	$0.47	$58.88	+0.008049
2025-12-12	$0.47	$60.03	+0.007958
2026-03-16	$0.47	$57.35	+0.008395

Loading CBU total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+10.77%	—	+9.97%	+0.81 pp	$11,077
1Y	+17.77%	17.77%	+14.42%	+3.35 pp	$11,777
3Y	+46.03%	13.45%	+34.48%	+11.56 pp	$14,603
5Y	-10.24%	-2.14%	-21.27%	+11.03 pp	$8,976
10Y	+107.37%	7.57%	+64.16%	+43.22 pp	$20,737
15Y	+263.20%	8.98%	+167.43%	+95.77 pp	$36,321
20Y	+341.59%	7.71%	+209.70%	+131.90 pp	$44,159
30Y	+1136.65%	8.74%	+718.05%	+418.60 pp	$123,665

Risk & Highlights

Best Year+64.47%2016

Worst Year-20.28%1999

Max Drawdown-16.89%2026-02-17 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+5.03%	+4.22%	+0.8pp	+0.41%	+4.6pp
2025	-2.90%	-5.94%	+3.0pp	+16.64%	-19.5pp
2024	+20.70%	+17.24%	+3.5pp	+24.00%	-3.3pp
2023	-13.42%	-16.28%	+2.9pp	+24.81%	-38.2pp
2022	-13.88%	-16.20%	+2.3pp	-19.95%	+6.1pp

CBU underperformed the S&P 500 by 13.56pp over the past year (+17.77% vs +31.32%).

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CBU Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
CBUCommunity Bank System, Inc.	$3.4B	+6.4%	+10.8%	+17.8%	+3.3pp	+46.0%	-10.2%	+107.4%
TRMKTrustmark Corporation	$2.6B	+4.2%	+15.5%	+33.0%	+2.8pp	+118.6%	+47.4%	+127.3%
WSBCWesBanco, Inc.	$3.3B	-1.9%	+4.4%	+19.2%	+5.0pp	+66.3%	+7.0%	+48.6%
NBTBNBT Bancorp Inc.	$2.4B	+3.5%	+9.6%	+9.3%	+3.4pp	+54.5%	+29.5%	+102.2%
FULTFulton Financial Corporation	$4.2B	+4.9%	+12.9%	+31.9%	+4.3pp	+133.8%	+43.3%	+107.7%
IBCPIndependent Bank Corporation	$696M	+0.1%	+6.8%	+12.2%	+3.5pp	+129.8%	+63.0%	+185.0%
CZWICitizens Community Bancorp, Inc.	$203M	+4.6%	+21.3%	+42.9%	+0.7pp	+159.5%	+73.4%	+156.6%
CNOBConnectOne Bancorp, Inc.	$1.5B	+10.4%	+16.2%	+33.1%	+3.1pp	+126.2%	+19.0%	+111.5%
WAFDWaFd, Inc.	$2.7B	+11.2%	+11.8%	+29.3%	+3.8pp	+51.5%	+22.3%	+84.0%
SFNCSimmons First National Corporation	$3.1B	+9.0%	+15.9%	+17.7%	+4.5pp	+54.9%	-14.9%	+26.4%
BANRBanner Corporation	$2.2B	+5.7%	+7.7%	+10.7%	+3.2pp	+62.2%	+30.9%	+102.3%

Compare:CBU vs TRMK CBU vs WSBC CBU vs NBTB CBU vs TRMK vs WSBC

About CBU Dividend Returns

Community Bank System, Inc. (CBU) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of CBU over the past year?

Community Bank System, Inc. (CBU) delivered a total return of 17.77% over the past year when dividends are reinvested. The price-only return was 14.42%, meaning dividends contributed an additional 3.35 percentage points to total returns.

Q2How much would $10,000 invested in CBU be worth today?

A $10,000 investment in Community Bank System, Inc. one year ago would be worth $11,777 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,442. Dividend reinvestment added $335 to the portfolio value.

Q3Does CBU pay dividends?

Yes, Community Bank System, Inc. (CBU) pays dividends. In the last year, CBU paid approximately $1.74 per share in dividends (2.72% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did CBU beat the S&P 500?

No, Community Bank System, Inc. (CBU) underperformed the S&P 500 by 13.56 percentage points over the past year. CBU delivered a total return of 17.77%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed CBU by 13.56pp during this period.

Q5What is CBU's worst drawdown?

Community Bank System, Inc. (CBU) experienced a maximum drawdown of -16.89% over the past year, declining from its peak on 2026-02-17 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is CBU's long-term total return over 10, 20, or 30 years?

Here are Community Bank System, Inc. (CBU)'s long-term returns with dividends reinvested. Over 10 years, the total return is 107.4% (7.6% CAGR) — $10,000 would have grown to $20,737. Over 20 years: 341.6% total return (7.7% CAGR) — $10,000 → $44,159. Over 30 years: 1136.7% total return (8.7% CAGR) — $10,000 → $123,665. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was CBU's best and worst year?

Community Bank System, Inc.'s best calendar year was 2016 with a total return of 64.5%. Its worst year was 1999 with a total return of -20.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 84.7 percentage points.