Community Financial System Share Price (NYSE: CBU)

$61.2

▲

0.23

(0.38%)

Last updated on August 28, 2025 at 1:29 am IST

$₹

Check the interactive Community Financial System Stock chart to analyse performance

Community Financial System stock performance

as on August 28, 2025 at 1:29 am IST

Today's Low:$61.20
Today's High:$61.57
$61.20
0.0%
Downside
Day's Volatility :0.6%
Upside
0.6%
52 Weeks Low:$49.44
52 Weeks High:$73.39
$61.20
19.22%
Downside
52 Weeks Volatility :32.63%
Upside
16.61%

Community Financial System Stock Returns

Period	Community Financial System Inc	Sector (Financials)	Index (Russel 2000)
3 Months	7.82%	6.1%	0.0%
6 Months	-3.18%	2.9%	0.0%
1 Year	-0.42%	19.5%	0.0%
3 Years	-7.35%	59.2%	-6.9%

Community Financial System Inc Key Stats

Check Community Financial System key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$60.97
Open	$61.28
Today's High	$61.57
Today's Low	$61.2
Market Capitalization	$3.2B
Today's Volume	$206.7K
52 Week High	$73.3857
52 Week Low	$49.44
Revenue TTM	$756.0M
Earnings Per Share (EPS)	$3.67
PE Ratio	16.61
Dividend Yield	3.03%
Profit Margin	25.75%
Quarterly Earnings Growth YOY	0.07%
Return On Equity TTM	10.96%

Stock Returns calculator for Community Financial System Stock including INR - Dollar returns

The Community Financial System stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

Community Financial System investment value today

Current value as on today

₹1,04,408

Returns

₹4,408

(+4.41%)

Returns from Community Financial System Stock

₹277 (-0.28%)

Dollar Returns*

₹4,685 (+4.68%)

Indian investors sentiment towards Community Financial System Stock

-80%

Period: Jul 28, 2025 to Aug 27, 2025. Change in 30 Days versus previous period

Search interest for Community Financial System Stock from India on INDmoney has decreased by -80% in the last 30 days, reflecting a downward trend in search activity.

Global Institutional Holdings in Community Financial System Inc

Name
Holdings %
Name
Holdings %
BlackRock Inc
14.52%
Vanguard Group Inc
12.09%
Neuberger Berman Group LLC
6.87%
State Street Corp
6.09%
Morgan Stanley - Brokerage Accounts
4.21%
Dimensional Fund Advisors, Inc.
3.45%

Analyst Recommendation on Community Financial System Stock

Rating

Trend

Buy

50%Buy

41%Hold

8%Sell

Based on 12 Wall street analysts offering stock ratings for Community Financial System(by analysts ranked 0 to 5 stars)

Community Financial System Share Price Target

What analysts predicted

Upside of 10.13%

Target:

$67.40

Current:

$61.20

Community Financial System share price target is $67.40, a slight Upside of 10.13% compared to current price of $61.20 as per analysts' prediction.

Community Financial System Stock Insights

Price Movement
In the last 7 days, CBU stock has moved up by 6.7%
Increasing Revenue
Revenue is up for the last 2 quarters, 243.68M → 247.38M (in $), with an average increase of 1.5% per quarter
Increasing Net Profit
Netprofit is up for the last 2 quarters, 49.61M → 51.33M (in $), with an average increase of 3.3% per quarter
CBU vs DB (1 yr)
In the last 1 year, Deutsche Bank Ag has given 126.1% return, outperforming this stock by 126.7%
CBU vs DB (3 yr)
In the last 3 years, Deutsche Bank Ag has given 353.8% return, outperforming this stock by 363.5%
Price to Sales
ForCBU every $1 of sales, investors are willing to pay $4.3, whereas for Deutsche Bank Ag, the investors are paying $2.3 for every $1 of sales.

Community Financial System Inc Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$616.3M	↑ 4.98%
Net Income	$169.1M	↑ 0.25%
Net Profit Margin	27.43%	↓ 1.29%

	FY20	Y/Y Change
Revenue	$617.3M	↑ 0.15%
Net Income	$164.7M	↓ 2.59%
Net Profit Margin	26.68%	↓ 0.75%

	FY21	Y/Y Change
Revenue	$633.7M	↑ 2.65%
Net Income	$189.7M	↑ 15.19%
Net Profit Margin	29.94%	↑ 3.26%

	FY22	Y/Y Change
Revenue	$702.5M	↑ 10.86%
Net Income	$188.1M	↓ 0.85%
Net Profit Margin	26.77%	↓ 3.17%

	FY23	Y/Y Change
Revenue	$756.0M	↑ 7.62%
Net Income	$131.9M	↓ 29.86%
Net Profit Margin	17.45%	↓ 9.32%

	FY24	Y/Y Change
Revenue	$940.7M	↑ 24.44%
Net Income	$182.5M	↑ 38.32%
Net Profit Margin	19.4%	↑ 1.95%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$222.9M	↑ 4.13%
Net Income	$40.9M	↑ 21.26%
Net Profit Margin	18.33%	↑ 2.59%

	Q2 FY24	Q/Q Change
Revenue	$231.4M	↑ 3.81%
Net Income	$47.9M	↑ 17.23%
Net Profit Margin	20.7%	↑ 2.37%

	Q3 FY24	Q/Q Change
Revenue	$240.1M	↑ 3.75%
Net Income	$43.9M	↓ 8.38%
Net Profit Margin	18.28%	↓ 2.42%

	Q4 FY24	Q/Q Change
Revenue	$246.2M	↑ 2.56%
Net Income	$49.8M	↑ 13.42%
Net Profit Margin	20.22%	↑ 1.94%

	Q1 FY25	Q/Q Change
Revenue	$243.7M	↓ 1.04%
Net Income	$49.6M	↓ 0.36%
Net Profit Margin	20.36%	↑ 0.14%

	Q2 FY25	Q/Q Change
Revenue	$247.4M	↑ 1.52%
Net Income	$51.3M	↑ 3.46%
Net Profit Margin	20.75%	↑ 0.39%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$581.4M	↑ 4.08%

	FY20	Y/Y Change
Profit	$582.2M	↑ 0.14%

	FY21	Y/Y Change
Profit	$629.5M	↑ 8.12%

	FY22	Y/Y Change
Profit	$664.6M	↑ 5.58%

	FY23	Y/Y Change
Profit	$640.7M	↓ 3.6%

	FY24	Y/Y Change
Profit	$723.5M	↑ 12.93%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q1 FY24	Q/Q Change
Profit	$171.1M	↓ 1.02%

	Q2 FY24	Q/Q Change
Profit	$181.1M	↑ 5.82%

	Q3 FY24	Q/Q Change
Profit	$181.2M	↑ 0.08%

	Q4 FY24	Q/Q Change
Profit	$190.1M	↑ 4.88%

	Q1 FY25	Q/Q Change
Profit	$189.6M	↓ 0.27%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$202.5M	↓ 8.54%
Investing Cash Flow	$-157.1M	↓ 997.71%
Financing Cash Flow	$-52.3M	↓ 78.94%

	FY20	Y/Y Change
Operating Cash Flow	$179.5M	↓ 11.37%
Investing Cash Flow	$-398.7M	↑ 153.87%
Financing Cash Flow	$1.7B	↓ 3276.93%

	FY21	Y/Y Change
Operating Cash Flow	$202.5M	↑ 12.85%
Investing Cash Flow	$-1.5B	↑ 283.92%
Financing Cash Flow	$1.6B	↓ 6.18%

	FY22	Y/Y Change
Operating Cash Flow	$214.6M	↑ 5.95%
Investing Cash Flow	$-2.1B	↑ 39.73%
Financing Cash Flow	$259.2M	↓ 83.36%

	FY23	Y/Y Change
Operating Cash Flow	$228.4M	↑ 6.44%
Investing Cash Flow	$335.8M	↓ 115.7%
Financing Cash Flow	$-583.1M	↓ 324.96%

	FY24	Y/Y Change
Operating Cash Flow	$242.3M	↑ 6.07%
Investing Cash Flow	$-835.6M	↓ 348.86%
Financing Cash Flow	$599.4M	↓ 202.79%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$79.9M	↑ 78.71%
Investing Cash Flow	$-214.7M	↓ 27.69%
Financing Cash Flow	$282.2M	↓ 2324.52%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$39.8M	↓ 50.2%
Investing Cash Flow	$-171.2M	↓ 20.23%
Financing Cash Flow	$-5.4M	↓ 101.93%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$56.9M	↑ 42.91%
Investing Cash Flow	$-239.1M	↑ 39.61%
Financing Cash Flow	$326.8M	↓ 6114.5%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$65.7M	↑ 15.62%
Investing Cash Flow	$-210.6M	↓ 11.9%
Financing Cash Flow	$-4.2M	↓ 101.29%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$62.5M	↓ 4.91%
Investing Cash Flow	$-30.3M	↓ 85.61%
Financing Cash Flow	$288.8M	↓ 6955.42%

Community Financial System Technicals Summary

Sell

Neutral

Buy

Community Financial System is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

Community Financial System Inc Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Community Financial System Inc	13.17%	-3.18%	-0.42%	-7.35%	-25.04%
U.s. Bancorp	5.79%	5.36%	5.7%	5.77%	33.96%
Icici Bank Ltd.	-5.39%	14.55%	10.63%	48.86%	197.58%
Pnc Financial Services Group, Inc.	6.55%	9.27%	13.35%	28.68%	85.29%
Deutsche Bank Ag	11.23%	63.81%	115.23%	325.24%	267.68%
Mizuho Financial Group, Inc.	11.19%	15.29%	56.94%	186.46%	139.42%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Community Financial System Inc	16.61	16.61	2.17	4.06	0.11	0.01	0.03	35.62
U.s. Bancorp	11.62	11.62	1.79	4.38	0.12	0.01	0.04	35.02
Icici Bank Ltd.	18.85	18.85	0.0	1.52	0.18	0.02	0.01	461.87
Pnc Financial Services Group, Inc.	13.91	13.91	2.24	15.53	0.11	0.01	0.03	131.61
Deutsche Bank Ag	12.96	12.96	0.62	3.58	0.08	0.0	0.02	40.98
Mizuho Financial Group, Inc.	13.71	13.71	1.31	0.0	0.08	0.0	0.03	4217.53

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Community Financial System Inc	Buy	$3.2B	-25.04%	16.61	25.75%
U.s. Bancorp	Hold	$75.6B	33.96%	11.62	27.0%
Icici Bank Ltd.	Buy	$115.5B	197.58%	18.85	25.74%
Pnc Financial Services Group, Inc.	Buy	$80.1B	85.29%	13.91	29.23%
Deutsche Bank Ag	Buy	$71.2B	267.68%	12.96	20.55%
Mizuho Financial Group, Inc.	Buy	$82.0B	139.42%	13.71	22.79%

Community Financial System Dividend announcements

Community Financial System Dividends September, 2025
In the quarter ending September,2025. Community Financial System has declared dividend of $0.47

About Community Financial System Inc

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Financial System, Inc. was founded in 1866 and is headquartered in Dewitt, New York.

Organization	Community Financial System
Employees	2730
CEO	Mr. Michael Thomas Cerminaro
Industry	Finance

Key Management of Community Financial System Inc

Name	Title
Mr. Dimitar A. Karaivanov	President, CEO & Director
Ms. Maureen A. Gillan-Myer	Executive VP & Chief Human Resources Officer and Administration officer
Mr. Michael N. Abdo	Executive VP & General Counsel
Mr. Jeffrey M. Levy	Senior VP & Chief Banking Officer
Ms. Marya Burgio Wlos	Executive VP & CFO
Mr. Aaron Friot	Senior VP, Chief Technology & Operations Officer
Ms. Deresa F. Durkee	Senior VP & Chief Accounting Officer
Dorothy Quarltere	Chief Compliance Officer
Mr. Daniel L. Bailey	Senior VP & Chief Risk Officer
Mr. Michael Thomas Cerminaro	President & CEO of Wealth Management Division

Important FAQs about investing in CBU Stock from India :

What is Community Financial System share price today?

Community Financial System share price today is $61.20 as on August 28, 2025 at 1:29 am IST at the close of the market. Community Financial System share today touched a day high of $61.57 and a low of $61.20.

What is the 52 week high and 52 week low for Community Financial System share?

Community Financial System share touched a 52 week high of $73.39 and a 52 week low of $49.44. Community Financial System stock price today i.e. August 28, 2025 at 1:29 am IST is closed at $61.20, lower by 16.61% versus the 52 week high.

How to invest in Community Financial System Stock (CBU) from India?

Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
Step 2: Search for Community Financial System on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Community Financial System Shares that will get you 0.0245 shares as per Community Financial System share price of $61.20 per share as on August 28, 2025 at 1:29 am IST.

What is the minimum amount required to buy Community Financial System Stock (CBU) from India?

Indian investors can start investing in Community Financial System (CBU) shares with as little as ₹87.86 or $1 (as of August 28, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹878.60 in Community Financial System stock (as per the Rupee-Dollar exchange rate as on August 28, 2025). Based on Community Financial System share’s latest price of $61.20 as on August 28, 2025 at 1:29 am IST, you will get 0.1634 shares of Community Financial System. Learn more about fractional shares .

What are the returns that Community Financial System has given to Indian investors in the last 5 years?

Community Financial System stock has given -25.04% share price returns and 18.89% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?