Community Fin. Sys.

This $3 billion bank pulled in $818 million of annual revenue, yet still trades at 15.9 times trailing earnings.

If you own CBU, you own a small bank with steady deposits and a very average stock price.

cbu

financials mid cap updated jan 30, 2026
$61.78
market cap ~$3B · 52-week range $49–$68
xvary composite: 69 / 100 · average
our overall rating — combines growth, value, risk, and momentum
Start here if you're new
what it is
Community Financial runs a regional bank and sells loans, wealth advice, insurance, and cash services across upstate New York.
how it gets paid
Last year Community Fin. Sys made $818M in revenue. Commercial lending was the main engine at $286M, or 35% of sales.
why it's growing
Revenue grew 9.6% last year. The key number was $2.94 of quarterly EPS because it nearly matched 85% of the entire 2024 full-year EPS of $3.44.
what just happened
The quarter looked absurd on paper: revenue jumped to $603M and EPS hit $2.94.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
85/100 earnings predictability — you can trust these numbers
15.9x trailing p/e — the market's not buying it — or you found a deal
3.3% dividend yield — cash in your pocket every quarter
$3.44 fy2024 eps est
xvary composite: 69/100 — average
What they do
Community Financial runs a regional bank and sells loans, wealth advice, insurance, and cash services across upstate New York.
This is a local banking bundle. You keep your checking account, mortgage, trust account, and insurance policy in one place, and moving all of that is annoying. That stickiness shows up in $14.06 billion of deposits against a $3 billion market cap, which is plain English for customers funding the machine.
financials mid-cap regional-bank income wealth-management
How they make money
$818M annual revenue · their business grew +9.6% last year
Commercial lending
$286M
Real estate mortgages
$164M
Consumer lending
$82M
Deposit fees and cash management
$143M
Wealth, insurance, and advisory
$143M
The products that matter
sells securities products
broker dealer
inside an $818M revenue company
segment revenue is not broken out here, but this business matters because it adds fee income to a bank valued at 15.9x earnings.
fee income
manages client money
investment advisory services
3.3% yield while you wait
advisory revenue can make a bank less dependent on pure lending spreads, which matters when your stock is paying a 3.3% dividend and being bought for steadiness.
diversifies revenue
handles deposits and payments
cash management
85 / 100 predictability
cash management helps keep business relationships sticky, and the 85 / 100 predictability score suggests the broader earnings base has been unusually stable.
relationship glue
Key numbers
$737M
long-term debt
That is 20% of capital, which means the balance sheet is usable, not bulletproof. You can handle stress, but you cannot ignore it.
$14.06B
total deposits
Deposits are bank fuel. More deposits than market value tells you this is a funding machine, not a hype machine.
3.3%
dividend yield
You are getting paid while you wait, but only if earnings stay near the 2024 EPS level of $3.44.
85
earnings predictability
That score says profits have been steadier than many banks, even after EPS dropped from $3.46 in 2022 to $2.45 in 2023.
Financial health
B++
strength
  • balance sheet grade B++ — above average financial health
  • risk rank 2 — safer than 80% of stocks
  • price stability 65 / 100
  • long-term debt $737M (20% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market

Return history isn't available for CBU right now.

same standard. no invented return math.

source: institutional data · return history unavailable
What just happened
beat estimates
The quarter looked absurd on paper: revenue jumped to $603M and EPS hit $2.94.
That compares with annual revenue of $818 million and full-year 2024 EPS of $3.44, so the reported quarter was unusually large versus the recent baseline. The bigger picture is simpler: EPS recovered from $2.45 in 2023 to $3.44 in 2024.
$205M
revenue
$2.94
eps
191%
revenue growth
the number that mattered
The key number was $2.94 of quarterly EPS because it nearly matched 85% of the entire 2024 full-year EPS of $3.44.
source: company earnings report, 2026

Get this snapshot in your inbox

This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.

weekly updates earnings alerts plain english no spam
What could go wrong

the biggest risk for Community Financial System is that a business priced for steadiness stops looking steady.

∘
med
net interest margin pressure
banks can look calm right up until deposit costs rise faster than loan yields. with $818M in annual revenue, even modest spread pressure can show up fast in earnings.
banks can look calm right up until deposit costs rise faster than loan yields. with $818M in annual revenue, even modest spread pressure can show up fast in earnings.
∘
med
credit quality slippage
an 85 / 100 predictability score is great until loan losses turn it into history. if credit costs rise, a 15.9x multiple stops looking conservative.
an 85 / 100 predictability score is great until loan losses turn it into history. if credit costs rise, a 15.9x multiple stops looking conservative.
∘
med
funding competition for deposits
regional banks do not get to ignore pricing pressure on deposits. if customers demand higher rates, the income story has to work harder to cover a 3.3% dividend.
regional banks do not get to ignore pricing pressure on deposits. if customers demand higher rates, the income story has to work harder to cover a 3.3% dividend.
∘
med
thin disclosure in this snapshot
the feed shows $818M annual revenue but a separate $6M revenue estimate field. that inconsistency does not change the business, but it does limit precision on the page you're reading.
the feed shows $818M annual revenue but a separate $6M revenue estimate field. that inconsistency does not change the business, but it does limit precision on the page you're reading.
The bull case works if credit stays clean. If it does not, a 15.9x P/E stops looking cheap.
source: institutional data · regulatory filings · risk analysis
Pay attention to
valuation
15.9x earnings only works if earnings keep behaving
this multiple is reasonable for a stable bank. it gets less reasonable the moment stability stops showing up.
data quality
the $6M revenue estimate field looks broken
it conflicts with the $818M annual revenue figure. do not build a thesis on a feed error dressed up as precision.
trading setup
CBU is sitting in the middle of a $49–$68 range
the stock has room to move either way because it is not being priced for a dramatic outcome right now.
income
the 3.3% dividend is part of the thesis, not a side note
if the dividend stays secure, you get paid to wait. if its safety comes into question, the story changes quickly.
Analyst rankings
earnings predictability
85 / 100
in human-speak: this is a bank with a history of acting like a bank, not a plot twist.
risk rank
2
safer than 80% of stocks. translated: you are not taking biotech-style risk to earn this 3.3% yield.
price stability
65 / 100
the shares have been steadier than average, but not frozen in amber. welcome to regional bank volatility.
source: institutional data
Institutional activity

institutional ownership data for CBU is being compiled.

source: institutional data
source: institutional data
Price targets
3-5 year target range
n/a n/a
$62 current price
n/a target midpoint · n/a from current
target data not available

Want the deeper analysis?

The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.

see plans from $5/mo
The deep dive
CBU
xvary deep dive
cbu
the full analysis is in the works.
what you'll get
dcf valuation model
bull / base / bear scenarios
competitive moat breakdown
quarterly earnings tracker
operating model projections
risk matrix with kill criteria
original price target + conviction
updated with every earnings
free · no spam · you'll be first to read it