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Community Financial System, Inc.

Community Financial System, Inc.

NYSE•CBU
CEO: Mr. Dimitar A. Karaivanov
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1985-11-26
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.
Contact Information
5790 Widewaters Parkway, Dewitt, NY, 13214-1883, United States
315-445-2282
communityfinancialsystem.com
Market Cap
$3.05B
P/E (TTM)
14.9
14.8
Dividend Yield
3.2%
52W High
$68.11
52W Low
$49.44
52W Range
45%
Rank37Top 25.8%
4.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$256.17M+6.69%
4-Quarter Trend

EPS

$1.04+23.81%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Rises 17.6% YTD Net Income reached $156.0M, driven by NII growth and lower provision; Diluted EPS increased to $2.94 for nine months ended September 30.
Strong Net Interest Margin Expansion GAAP NIM expanded 26 basis points YTD to 3.26%, resulting from higher asset yields partially offset by increased funding costs compared to prior year.
Asset Quality Shows Improvement Nonperforming loan ratio improved 18 basis points since year-end to 0.46% at September 30, 2025; provision slightly decreased year-to-date.
Loan and Deposit Growth Total loans grew to $10.67B (net) and total deposits reached $14.06B by period end, reflecting strong organic growth across segments.

Risk Factors

Credit Risk from Business Lending Business lending portfolio carries higher credit risk, with ACL allocation reflecting increased size and volume of new loans not fully captured quantitatively.
Interest Rate Sensitivity Exposure Projected NII sensitivity shows a decrease of $6.6M under a +200 basis point rate scenario due to deposits repricing higher faster than loans.
Contingent Consideration Liabilities Significant contingent consideration liabilities exist related to recent acquisitions (e.g., CPD, OneGroup), subject to future revenue performance milestones.
Regulatory Capital Management Must maintain strong capital ratios (CET1 14.53%) above minimums, with ongoing evaluation of new accounting standards impacting disclosures.

Outlook

Focus on Core Operating Performance Management emphasizes maintaining diverse revenue streams and optimizing delivery systems through disciplined acquisition and organic growth strategies.
Liquidity Position Remains Strong Sufficient liquidity projected for the next year, supported by $6.20B in available sources, exceeding estimated uninsured deposits by 240%.
Managing Macroeconomic Forecasts ACL calculation relies heavily on macroeconomic forecasts; management adjusted scenario weighting to increase downside risk capture for credit provisioning.
Continued Investment in Technology Ongoing investment in technology initiatives, including AI and cybersecurity, is expected to lower future core system costs following contract renegotiation.

Peer Comparison

Revenue (TTM)

Banco Macro S.A.BMA
$4.82B
-19.2%
BankUnited, Inc.BKU
$2.16B
+6.5%
Fulton Financial CorporationFULT
$1.90B
+11.1%

Gross Margin (Latest Quarter)

First Interstate BancSystem, Inc.FIBK
100.0%
+38.0pp
WSFS Financial CorporationWSFS
73.3%
+4.7pp
Banco Macro S.A.BMA
52.4%
-18.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BMA$5.74B29.86.6%7.3%
FIBK$3.63B14.87.3%2.9%
FULT$3.59B13.92.5%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.3%
Moderate Growth
4Q Net Income CAGR
3.4%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 20, 2026
|
EPS:$1.13
|
Revenue:$212.85M
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $256.17M+6.7%
    |
    EPS: $1.04+23.8%
    Meet
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $247.39M+6.9%
    |
    EPS: $0.97+6.6%
    Miss
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 9, 2025|
    Revenue: $243.68M+9.3%
    |
    EPS: $0.94+22.1%
    Beat
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $940.71M+24.4%
    |
    EPS: $3.44+40.4%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 12, 2024|
    Revenue: $240.10M+17.0%
    |
    EPS: $0.84+2.4%
    Miss
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $231.43M+17.1%
    |
    EPS: $0.91+1.1%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $222.94M+60.2%
    |
    EPS: $0.77+600.0%
    Meet
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 29, 2024|
    Revenue: $755.98M+7.6%
    |
    EPS: $2.45-29.6%
    Beat