Community Financial System Inc (CBU) Live Share Price, Invest From India

Community Financial System Inc Stock Performance

as on November 15, 2025 at 2:29 am IST

Day's Low
Day's High
$55.27
Day's Price Range
$56.69
$56.52
2.21%
Downside
0.30%
Upside
52 Week's Low
52 Week's High
$49.44
52-Week Price Range
$73.39
$56.52
12.53%
Downside
29.84%
Upside

Community Financial System Inc share price movements today

Previous Close: $56.27
Open: $55.85
Volume: 173.2K
Day's Low - High: $55.27 - $56.69
52 Week Low - High: $49.44 - $73.39

Community Financial System Inc Historical Returns

1 Month Return: -3.78 %
3 Month Return: -3.48 %
1 Year Return: -18.02 %
3 Year Return: -12.58 %
5 Year Return: 0 %

Community Financial System Inc Stock Fundamentals & Key Indicators

Check Community Financial System Inc market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$3.0B

EPS (TTM)

4.1

Dividend Yield

2.92%

Quarterly Earnings Growth YOY

0.25%

PE Ratio (TTM)

14.72

Industry PE ratio

16.405342465753424

PEG Ratio

2.17

EBITDA

Revenue (TTM)

776.3M

Profit Margin

26.51%

Return On Equity TTM

11.05%

Community Financial System Inc Stock Valuation

Track how Community Financial System Inc P/E has moved over time to understand its valuation trends.

Community Financial System Inc in the last 5 years

Overview
Trends

Lowest (13.35x)

September 30, 2023

Today (14.72x)

November 14, 2025

Industry (16.41x)

November 14, 2025

Highest (22.18x)

June 30, 2021

LowHigh

Today’s Price to Earnings Ratio: 14.72x

Community Financial System Inc vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of Community Financial System Inc with its industry peers.

Company	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin %
Community Financial System Inc	BUY	$3.0B	NA	14.72	26.51%
Deutsche Bank Ag	BUY	$74.4B	253.22%	13.32	19.20%
Nu Holdings Ltd.	BUY	$78.2B	NA	34.43	39.32%
Mizuho Financial Group, Inc.	BUY	$84.5B	151.48%	14.78	22.79%
Itaú Unibanco Holding S.a.	BUY	$78.7B	60.25%	9.79	32.35%

See all

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

The Community Financial System Inc 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 Inc investment value today

Current value as on today

₹87,585

Returns

₹12,415

(-12.42%)

Returns from Community Financial System Inc Stock

₹17,657 (-17.66%)

Dollar Returns*

₹5,242 (+5.24%)

Analyst Recommendation on Community Financial System Inc Stock

Based on 12 analysts

BUY

50.00%

Buy

41.67%

Hold

8.33%

Sell

Based on 12 analysts, 50% of analysts recommend a 'BUY' rating for Community Financial System Inc. Average target price of $68

Community Financial System Inc Share Price Target

Get share price movements and forecasts by analysts on Community Financial System Inc.

What analysts predicted

16.88%UPSIDE

Target Price

$68

Current Price

$56.52

Analyzed by

12 Analysts

Target

$68.00

Community Financial System Inc target price $68, a slight upside of 16.88% compared to current price of $56.52. According to 12 analysts rating.

Community Financial System Inc Stock’s Investor Sentiment and Interest

Search interest for Community Financial System Inc Stock has decreased by -50% in the last 30 days, reflecting a downward trend in search activity.

Time period: October 18, 2025 to November 17, 2025

Change:-50% versus previous 30 day period

Community Financial System Inc Quarterly Profit & Loss

All numbers in Millions USD

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Total Revenue	197	205	214	222	231	240	246	243	247	256
Gross Profit	174	172	172	171	181	181	190	189	195	201
Operating Income	61	55	43	53	62	57	64	64	66	73
EBITDA	68	63	50	60	69	64	71	71	73	80
Interest Expense	22	29	37	45	47	51	49	47	48	49
Depreciation	3	3	6	7	7	6	7	7	7	7
Income Before Tax	61	55	43	53	62	57	64	64	66	73
Income Tax Expense	13	11	10	12	14	13	14	14	14	18
Net Income	48	44	33	40	47	43	49	49	51	55
Net Profit Margin	24.44%	21.51%	15.74%	18.33%	20.70%	18.28%	20.22%	20.36%	20.75%	21.50%

Community Financial System Inc Annual Profit & Loss

All numbers in Millions USD

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Revenue	382	440	531	587	616	617	633	702	755	940
Gross Profit	365	421	507	558	581	582	629	664	640	723
Operating Income	132	154	159	212	209	206	241	240	168	236
EBITDA	149	174	193	247	241	236	271	270	196	265
Interest Expense	11	11	13	17	26	20	13	23	104	194
Depreciation	-	-	33	34	32	30	14	15	28	28
Income Before Tax	132	154	159	212	209	206	241	240	168	236
Income Tax Expense	40	50	9	44	40	41	51	52	36	54
Net Income	91	103	150	168	169	164	189	188	131	182
Net Profit Margin	23.82%	23.55%	28.34%	28.72%	27.43%	26.68%	29.94%	26.77%	17.45%	19.40%

Community Financial System Inc Quarterly Cash Flow

All numbers in Millions USD

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Net Income	44	33	40	47	43	49	49	51	55
Operating Cash Flow	64	44	79	39	56	65	62	53	101
Investing Cash Flow	632	-296	-214	-171	-239	-210	-30	-153	-
Financing Cash Flow	291	-12	282	-5	326	-4	288	-180	188
Change in Cash	233	-264	147	-136	144	-149	321	-280	7

Community Financial System Inc Annual Cash Flow

All numbers in Millions USD

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Income	103	150	168	169	164	189	188	131	182
Operating Cash Flow	135	189	221	202	179	202	214	228	242
Investing Cash Flow	-121	131	17	-157	-398	-1,530	-2,138	335	-835
Financing Cash Flow	6	-273	-248	-52	1,660	1,557	259	-583	599
Change in Cash	20	47	-9	-6	1,440	229	-1,665	-18	6

Global Institutional Holdings in Community Financial System Inc

Funds	Holdings
BlackRock Inc	14.38%
Vanguard Group Inc	12.09%
Neuberger Berman Group LLC	7.18%
State Street Corp	6.06%
Morgan Stanley - Brokerage Accounts	4.21%

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Insights on Community Financial System Inc

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

POSITIVE IMPACT
Price Rise
In the last 1 month, CBU stock has moved up by 2.7%
POSITIVE IMPACT
Profit Spike
Netprofit is up for the last 3 quarters, 49.61M → 55.08M (in $), with an average increase of 5.1% per quarter
POSITIVE IMPACT
Revenue Rich
Revenue is up for the last 3 quarters, 243.68M → 256.17M (in $), with an average increase of 2.5% per quarter
NO EFFECT
Against Peers
In the last 3 years, Deutsche Bank Ag has given 250.7% return, outperforming this stock by 262.9%
NO EFFECT
Against Peers
In the last 1 year, Deutsche Bank Ag has given 117.5% return, outperforming this stock by 135.7%

About Community Financial System Inc

headquartered in dewitt, ny, a suburb of syracuse, community bank system, inc. (nyse:cbu) is a registered bank holding company with $7.4 billion in assets and approximately 180 customer facilities across upstate new york, where it operates as community bank, n.a. member fdic. equal housing lender. the company's other subsidiaries include: bpas, an employee benefits administration and consulting firm with offices in upstate new york, pittsburgh, philadelphia, houston and puerto rico; the cbna insurance agency, with offices in three northern new york communities; community investment services, a broker-dealer delivering financial products throughout the company's branch network; and nottingham advisors, a wealth management and advisory firm with offices in buffalo, ny, and north palm beach, fl.

Organisation	Community Financial System Inc
Headquarters	5790 Widewaters Parkway, Dewitt, NY, United States, 13214-1883
Industry	Finance
CEO	Mr. Dimitar A. Karaivanov
E-voting on shares	Click here to vote

Key Management of Community Financial System Inc

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

FAQs

What is Community Financial System Inc share price today?

Community Financial System Inc share price today is $56.52 as on November 15, 2025 at 2:29 am IST at the close of the market. Community Financial System Inc share today touched a day high of $56.69 and a low of $55.27.

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

Community Financial System Inc share touched a 52 week high of $73.39 on November 25, 2024 and a 52 week low of $49.44 on April 7, 2025. Community Financial System Inc stock price today i.e. November 15, 2025 at 2:29 am IST is closed at $56.52,which is 22.98% down from its 52 week high and 14.32% up from its 52 week low.

What is Community Financial System Inc's market capitalisation today?

Community Financial System Inc market capitalisation is $0.00T as on November 15, 2025 at 2:29 am IST.

How to invest in Community Financial System Inc 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 Inc on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Community Financial System Inc Shares that will get you 0.0265 shares as per Community Financial System Inc share price of $56.52 per share as on November 15, 2025 at 2:29 am IST.

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

Indian investors can start investing in Community Financial System Inc (CBU) shares with as little as ₹88.74 or $1 (as of November 17, 2025 at 3:39 am IST) using the INDmoney app.
For example: If you want to invest $10 or ₹887.40 in Community Financial System Inc stock (as per the Rupee-Dollar exchange rate as on November 17, 2025 at 3:39 am IST). Based on Community Financial System Inc share’s latest price of $56.52 as on November 15, 2025 at 2:29 am IST, you will get 0.1769 shares of Community Financial System Inc. Learn more about fractional shares .