Community Bank System, Inc.
General ticker "CBU" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $3.1B (TTM average)
Community Bank System, Inc. follows the US Stock Market performance with the rate: 53.2%.
Estimated limits based on current volatility of 1.4%: low 68.05$, high 69.98$
Factors to consider:
- Earnings expected soon, date: 2026-07-28 bmo
- Company pays dividends (quarterly): last record date 2026-06-15, amount 0.47$ (Y2.73%)
- Total employees count: 3001 (+2.8%) as of 2025
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Interest rate risk, Cybersecurity threats, Operational and conduct risks, Regulatory and compliance
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [47.88$, 63.03$]
- 2026-12-31 to 2027-12-31 estimated range: [45.64$, 60.90$]
Financial Metrics affecting the CBU estimates:
- Negative: with PPE of 14.8 at the end of fiscal year the price was very high
- Positive: 6.62 < Operating cash flow per share per price, % of 9.67
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 1.20
- Positive: Operating profit margin, % of 33.67 > 18.40
- Positive: Industry earnings per price (median), % of 7.28 > 4.44
- Positive: Industry operating profit margin (median), % of 24.29 > 9.66
- Negative: Investing cash flow per share per price, % of -5.83 <= -4.39
Short-term CBU quotes
Long-term CBU plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $755.98MM | $746.30MM | $818.01MM |
| Operating Expenses | $587.75MM | $509.60MM | $542.61MM |
| Operating Income | $168.23MM | $236.71MM | $275.39MM |
| Interest Expense | $104.10MM | $194.41MM | $192.72MM |
| Income(Loss) | $168.23MM | $236.71MM | $275.39MM |
| Taxes | $36.31MM | $54.22MM | $64.94MM |
| Net Income(Loss)* | $131.92MM | $182.48MM | $210.46MM |
| Stockholders Equity | $1,697.94MM | $1,762.84MM | $2,006.03MM |
| Assets | $15,555.75MM | $16,386.04MM | $17,303.30MM |
| Operating Cash Flow | $228.42MM | $242.28MM | $301.86MM |
| Capital expenditure | $18.59MM | $20.70MM | $68.53MM |
| Investing Cash Flow | $335.78MM | $-835.62MM | $-182.10MM |
| Financing Cash Flow | $-583.13MM | $599.38MM | $-15.01MM |
| Earnings Per Share** | $2.46 | $3.46 | $3.99 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.