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Community Financial System

CBU

Community Financial System, Inc. is a diversified financial services holding company that operates a regional community banking franchise alongside national employee benefit and wealth management practices.

Market cap
$3.5B+24.6%
Revenue$858.9M+10.0%
Net income$228.1M+17.2%
EPS (diluted)$4.31+17.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$226.8M
EPS estimate$1.20

Financials

Q2 2026

Income statement

See full
Revenue$223.2M+12.0%
Net income$61.3M+19.5%
EPS (diluted)$1.16+19.6%

Balance sheet

See full
Cash & equivalents$258.2M+8.8%
Total equity$2.1B+10.1%
Total assets$17.8B+6.6%

Valuation & ratios

Valuation

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Market cap$3.5B+24.6%
P/E15.4×+1.1×
P/S4.1×+0.5×

Profitability

See full
Net margin26.6%+1.6pp

Returns & leverage

See full
Return on equity11.5%+0.6pp

Segments

By segment

See full
Employee Benefit Services$36.4M+7.3%
Insurance Services$12.8M-4.8%
Wealth Management Services$11.2M+21.7%

Competitors

Profile

Community Financial System, Inc. is a diversified financial services holding company that operates a regional community banking franchise alongside national employee benefit and wealth management practices. The company provides a comprehensive suite of commercial and retail banking, insurance, and fiduciary services to individuals, corporations, and institutional clients. Its core value proposition centers on a consultative, community-focused approach supported by a broad array of specialized financial subsidiaries.

Competitive position

A leading regional community bank in the Northeast with a unique national scale in employee benefit administration and a diversified fee-income profile.

GeographiesUnited States, New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Puerto Rico
Customer segmentsRetail, SME, Enterprise, Institutional, Government
Business modelB2C Banking, B2B Services, Fee-based Advisory, Commission-based Insurance
SuppliersFederal Reserve System, Federal Home Loan Bank, Technology and Core Banking Providers, Insurance Carriers
CustomersIndividual Depositors, Commercial Borrowers, Corporate Plan Sponsors, Institutional Investors
Listed1984
Employees2.8K
CEODimitar A. Karaivanov
Websitecbna.com
FilingsSEC EDGAR

FAQ

What is Community Financial System's market cap?
Community Financial System (CBU) has a market capitalization of $3.5B and trades on NYSE.
What is Community Financial System's revenue and profitability?
Community Financial System generated $858.9M in trailing twelve-month revenue with net income of $228.1M, representing a net margin of 26.6%. These figures are based on the Q2 2026 filing.
Who are Community Financial System's competitors?
Community Financial System's key competitors include NBT Bancorp Inc., M&T Bank Corporation, SB Financial Group, Inc., and others. These companies compete in similar markets and product categories.
Who does Community Financial System partner with?
Community Financial System's notable partners include Santander Bank, N.A., Federal Home Loan Bank of New York, Federal Home Loan Bank of Boston.
What subsidiaries does Community Financial System have?
Community Financial System's subsidiaries include Community Bank, N.A., Benefit Plans Administrative Services, Inc., OneGroup NY, Inc., and others.
Where is Community Financial System headquartered?
Community Financial System is headquartered in United States of America and employs approximately 2,849 people. It has been publicly traded since 1984.