Community Bank System, Inc. (CBU) Stock

Community Bank System, Inc. (CBU) is a Financials stock trading at $63.11 (as of 2026-08-20), with a market capitalization of $3.32B and a trailing P/E of 14.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Community Bank System, Inc. serves as the bank holding company for Community Bank, N.A., offering banking and related financial services to retail, commercial, and municipal customers. Operations include Banking, Employee Benefit Services, and All Other, with deposits, loans, and additional services such as investment, cash management, asset management, and employee benefit administration, plus insurance and risk management offerings.

Understand Community Bank System, Inc.: how it makes money

Community Bank System, Inc. is a bank holding company that provides banking and other financial services to retail, commercial, and municipal customers, earning money through deposit and loan activities along with non-interest services such as employee benefit services.

Its profit model is tied to turning customer deposits into income-generating loans, with additional support from non-interest revenue streams like employee benefit services.

Business quality (Strong): Business structure (three segments) is provided, but the provided segment-level revenue numbers do not cleanly map to those reportable segments, so segment revenue breakdown is left blank.

Valuation: At 16× earnings, CBU trades 27% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Multiple revenue streams within its financial services platform: The company operates through segments including Banking and Employee Benefit Services, and also provides other financial services, which can diversify sources of revenue.
  • Non-interest revenue is a meaningful part of the mix: The provided operating KPI set includes employee benefit services revenue and banking non-interest revenue, indicating investors track fee and service income alongside core banking activity.

Bear case

  • Sensitivity to performance of fee and service lines: Employee benefit services revenue and other non-interest items can be pressured if demand or profitability in those services weakens.
  • Core banking economics can be volatile: Because the bank provides loans and deposit products, outcomes can be affected by changes in customer borrowing, deposit behavior, and overall banking conditions.
Valuation — source: SEC EDGAR (first-party)
Price$63.11
Market Cap$3.32B
P/E Ratio14.6
EV / EBITDA9.6
Price / Book1.60
Price / Sales3.87
FCF Yield7.4%
DCF Value (model)$79.26
DCF Upside vs Price25.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$818.01M
Net Margin25.7%
Revenue Growth (YoY)12.0%
EPS Growth (YoY)19.6%
FCF Growth (YoY)13.7%
Valuation vs Sector & Industry
Stock P/E14.6
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-3.8%
vs Industry12.7%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($440.69M)
Institutional Holders Tracked10
Congressional Trades (recent)3
Company
SectorFinancials
IndustryBanking
CEODimitar A. Karaivanov
Employees2,730
CountryUS
IPO Date1985-11-26

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CBU earnings history · CBU institutional & insider holders · CBU KPIs & operating metrics · CBU financials · CBU investor presentations & press releases · CBU SEC filings · CBU peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.