COMMUNITY FINANCIAL SYSTEM, INC. (CBU)

63.85USD +0.57% (+0.36)

Over 1M: -1.5%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

62 64 66
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '25 — Revenue: 207.1M Q3 '25 — Free Cash Flow: 83.4M Q3 '25 — Net Income: 55.1M Q4 '25 — Revenue: 215.5M Q4 '25 — Free Cash Flow: 61.6M Q4 '25 — Net Income: 54.4M Q1 '26 — Revenue: 213.3M Q1 '26 — Free Cash Flow: 60.3M Q1 '26 — Net Income: 57.2M Q2 '26 — Revenue: 223.2M Q2 '26 — Free Cash Flow: 41.4M Q2 '26 — Net Income: 61.3M 0 50M 100M 150M 200M 250M
Q3 '25 Q4 '25 Q1 '26 Q2 '26
Revenue Free Cash Flow Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

9.1
OE margin 27.4%
Accruals -0.45%
FCF margin 28.7%
OCF margin 35.9%
ROE 11.0%
ROA 1.3%
Asset turnover 0.048×
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

9.6
EV/OE 13.2×
Div. yield 2.9%
FCF yield 7.3%
P/B 1.6×
P/E 14.7×
P/C 13.0×
EV/Sales 3.6×
EV/EBIT —
EV/GP —
Fwd P/E —
PEG —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.6
RPO / sales 0.0016×
RPO growth -22.2%
Segment HHI —

3 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

10.0
ND/EBITDA 0.083
Debt / Eq 0.0×
Debt payback 0.0 yr
F-score 9.0 pts
Payout 43.2%
Cash / Debt —
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

2.5
Sales/sh Y/Y +10.1%
Shares change -0.12%
EPS Y/Y +17.3%
Sales Q/Q +12.0%
Div. growth +1.9%
EPS CAGR 4Y +3.3%
EBIT CAGR —
EBIT Y/Y —
EPS next Y —
Sales CAGR 4Y —

1 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.