Community Financial System reported Q2 2025 earnings with non-GAAP EPS of $1.04, beating expectations. The bank saw record net interest income, loan growth, and maintained strong asset quality despite challenges in fee-based businesses.
Community Financial System, Inc. (CBU)
Common Stock · Currency in USD · XNYS
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.
Company Info
SIC6021
Composite FIGIBBG000BF4D19
CIK0000723188
IPOJul 18, 1984
Sectornational commercial banks
Highlights
Market Cap$3.12B
EPS$4.16
P/E Ratio14.17
Revenue$812.62M
Gross Profit$828.21M
Net Income$220.35M
Employees3,001
WSO52,537,729
Phone(800) 724-2262
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Analysis
Share Price Chart
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Community Financial System, Inc., comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Returns By Period
Community Financial System, Inc. (CBU) has returned 3.46% so far this year and 19.09% over the past 12 months. Looking at the last ten years, CBU has achieved an annualized return of 4.46%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
CBU
1M-1.36%
6M0.52%
YTD3.46%
1Y19.09%
5Y-5.46%
10Y4.46%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of Community Financial System, Inc. (CBU) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 8.79% | -3.43% | -1.05% | 1.00% | ||||||||
| 2025 | 5.69% | -1.40% | -10.43% | -2.57% | 3.34% | 1.35% | -6.61% | 15.22% | -0.76% | -4.64% | 2.53% | 1.70% |
| 2024 | -11.66% | -1.82% | 6.69% | -10.31% | 3.67% | 2.50% | 31.18% | -0.67% | -4.03% | 6.07% | 12.62% | -11.71% |
| 2023 | -8.25% | 6.34% | -13.31% | -4.91% | -0.42% | -5.96% | 14.97% | -12.93% | -12.15% | -5.26% | 11.57% | 17.92% |
| 2022 | -4.61% | 2.39% | -3.08% | -9.08% | 4.51% | -3.83% | 7.16% | -2.69% | -8.20% | 3.31% | 3.54% | -3.75% |
| 2021 | 3.53% | 9.12% | 5.73% | 1.57% | 3.81% | -7.39% | -5.85% | 2.85% | -7.88% | 3.94% | -2.08% | 2.92% |
| 2020 | -6.58% | -8.90% | -3.59% | 11.29% | -2.91% | -4.41% | -1.76% | 6.59% | -8.70% | 6.72% | 5.40% | -1.90% |
| 2019 | 4.08% | 7.80% | -8.07% | 10.22% | -6.65% | 6.99% | -0.51% | -7.25% | 1.97% | 8.95% | -0.79% | 4.32% |
| 2018 | -1.53% | 0.26% | 0.64% | 4.94% | 6.09% | -2.49% | 7.71% | 4.08% | -7.65% | -4.98% | 10.84% | -11.80% |
| 2017 | -6.28% | 0.34% | -9.44% | 1.62% | -4.75% | 3.09% | -2.10% | -7.65% | 6.91% | 0.24% | -0.47% | -3.54% |
| 2016 | 4.16% | 4.12% | 0.29% | 8.48% | 7.33% | 1.35% | -1.73% | 19.67% | 8.23% |
Performance Indicators
The charts below present risk-adjusted performance metrics for Community Financial System, Inc. (CBU) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of CBU compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current Community Financial System, Inc. volatility is 1.17%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 17.30B | 16.39B | 15.56B | 15.84B | 15.55B | 13.93B | 11.41B | 10.61B | 10.75B | 8.67B | 8.55B | 7.49B | 7.10B | 7.50B |
| Equity Attributable To Parent (USD) | 2.01B | 1.76B | 1.70B | 1.55B | 2.10B | 2.10B | 1.86B | 1.71B | 1.64B | 1.20B | 1.14B | 987.90M | 875.81M | 902.78M |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 2.01B | 1.76B | 1.70B | 1.55B | 2.10B | 2.10B | 1.86B | 1.71B | 1.64B | 1.20B | 1.14B | 987.90M | 875.81M | 902.78M |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 15.30B | 14.62B | 13.86B | 14.28B | 13.45B | 11.83B | 9.56B | 8.89B | 9.11B | 7.47B | 7.41B | 6.50B | 6.22B | 6.59B |
| Liabilities (USD) | 15.30B | 14.62B | 13.86B | 14.28B | 13.45B | 11.83B | 9.56B | 8.89B | 9.11B | 7.47B | 7.41B | 6.50B | 6.22B | 6.59B |
| Intangible Assets (USD) | - | - | 52.59M | 61.00M | 65.23M | 52.94M | 63.11M | 73.85M | - | - | - | - | - | - |
| Fixed Assets (USD) | 246.51M | 183.76M | 173.42M | 160.78M | 160.65M | 165.66M | 164.64M | 119.99M | 123.39M | 112.32M | 114.43M | 93.63M | 93.64M | 89.94M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 17.30B | 16.39B | 15.56B | 15.84B | 15.55B | 13.93B | 11.41B | 10.61B | 10.75B | 8.67B | 8.55B | 7.49B | 7.10B | 7.50B |
| Assets (USD) | 17.30B | 16.39B | 15.56B | 15.84B | 15.55B | 13.93B | 11.41B | 10.61B | 10.75B | 8.67B | 8.55B | 7.49B | 7.10B | 7.50B |
News and Insights
Community Savings, a BC-based credit union, and We Can Capital Inc. have provided over $5.3 million in working capital to BC cannabis licensed producers through their affordable accounts receivable purchasing program, helping these producers access immediate liquidity and improve their financial stability.
Community Financial System, Inc. will host its Investor Day on September 6, 2024, offering investors insights into the company's strategies, performance, and future outlook across its four key business areas.
SYRACUSE, N.Y., June 24, 2024 (GLOBE NEWSWIRE) -- Community Financial System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company’s financial and operating performance during its second quarter ended June 30, 2024.
SYRACUSE, N.Y., June 18, 2024 (GLOBE NEWSWIRE) -- Community Financial System, Inc. ("the Company") (NYSE: CBU) announced today that it will host an in-person and virtual Investor Day on Friday, September 6, 2024, starting at 8:00 AM ET at the New York Stock Exchange conference facilities. The senior leadership team will provide insights into the company’s strategies, performance, and future outlook. The event will feature discussions on each line of business—Banking, Employee Benefit Services, Insurance Services, and Wealth Management—followed by a question-and-answer session.
Although the revenue and EPS for Community Bank (CBU) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Bar Harbor (BHB) delivered earnings and revenue surprises of 1.54% and 1.24%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
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SYRACUSE, N.Y., March 25, 2024 (GLOBE NEWSWIRE) -- Community Bank System, Inc. (NYSE: CBU) invites you to participate in a conference call to discuss the Company’s financial and operating performance during its first quarter ended March 31, 2024.
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