Community Bank System, Inc.
General ticker "CBU" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $3.2B (TTM average)
Community Bank System, Inc. follows the US Stock Market performance with the rate: 41.9%.
Estimated limits based on current volatility of 1.1%: low 58.67$, high 60.00$
Factors to consider:
- Earnings expected soon, date: 2026-10-27 bmo
- Company pays dividends (quarterly): last record date 2026-09-15, amount 0.49$ (Y3.25%)
- 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 6 months up through Q2 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: [48.45$, 63.48$]
- 2026-12-31 to 2027-12-31 estimated range: [46.33$, 61.53$]
Financial Metrics affecting the CBU estimates:
- Positive: with PPE of 14.6 at the end of fiscal year the price was neutral
- Positive: 8.77 < Operating cash flow per share per price, % of 9.76
- Positive: 22.58 < Operating profit margin, % of 33.67
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: 0.90 < Return on assets ratio (scaled to [-100,100]) of 1.20
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: 7.04 < Shareholder equity ratio, % of 11.59 <= 12.78
- Positive: Industry earnings per price (median), % of 7.57 > 6.58
- Negative: Industry operating profit margin (median), % of 24.03 <= 26.54
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.