Touchstone
Last syncNov 1, 2026, 6:55 PM ET

CBU

Community Financial System, Inc. Financials National Commercial Banks Russell 3000
$62.37Close $3.4BMarket cap $52.44 – $70.9952-week range Jan 26, 2027Next report · estimated

Highlights

Cautions

  • Not in an uptrend 4 of 8 trend conditions
  • Lagging the market RS 44 · weaker than 56% of stocks over 12 months

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 12%
1wk down 0.1% price change
1mo up 4.8% price change
12-month return up 14% market up 11% · its own up 3%
F-score — — Not assessed
Altman Z — Unknown
P/E 16.3× price / earnings
PEG 1.05 P/E / EPS growth
P/B 1.7× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 10% year on year
EPS growth up 20% latest quarter · +4 pts
Sales growth up 12% latest quarter · +3 pts
ROE up 11% return on equity
Free cash margin —
D/E 0.34 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 30% ($1.0B → $0.7B)

Trade setup

ATR% 2.0% $1.24 a day · 2×ATR $59.89
RS 44 / 99 vs the universe
Trend 4 / 8 trend template
Relative volume 1.0× vs 50-day average
Up/down volume 0.92 50 sessions
Implied move — no scheduled report
Trend template · 4 of 8
  • Price above the 150 and 200-day averages: fails
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: fails
  • Price above the 50-day average: passes
  • At least 30% above the 52-week low: fails
  • Within 25% of the 52-week high: passes
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 27, 2026
Results reaction Oct 27, 20260% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $818.0M +10% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $596.8M FY2021 · $620.6M FY2022 · $679.4M FY2023 · $652.1M FY2024 · $746.3M FY2025 · $818.0M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $210.5M +15% on FY2024
$0 $250M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $164.7M FY2021 · $189.7M FY2022 · $188.1M FY2023 · $131.9M FY2024 · $182.5M FY2025 · $210.5M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 26%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 28% FY2021 · Net 31% FY2022 · Net 28% FY2023 · Net 20% FY2024 · Net 24% FY2025 · Net 26%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $1.6B · Long-term debt $371.3M FY2021 · Cash $1.9B · Long-term debt $329.9M FY2022 · Cash $209.9M · Long-term debt $1.1B FY2023 · Cash $191.0M · Long-term debt $765.2M FY2024 · Cash $197.0M · Long-term debt $990.2M FY2025 · Cash $301.8M · Long-term debt $689.9M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 54.91m +2.1% since FY2020
54.91m 53.75m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 53.75m FY2021 · 54.09m FY2022 · 54.19m FY2023 · 54.37m FY2024 · 54.70m FY2025 · 54.91m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $596.8M $620.6M $679.4M $652.1M $746.3M $818.0M
Net income $164.7M $189.7M $188.1M $131.9M $182.5M $210.5M
Net margin 28% 31% 28% 20% 24% 26%
Earnings per share $3.09 $3.49 $3.47 $2.46 $3.45 $3.98
Cash $1.6B $1.9B $209.9M $191.0M $197.0M $301.8M
Long-term debt $371.3M $329.9M $1.1B $765.2M $990.2M $689.9M
Shareholders' equity $2.1B $2.1B $1.6B $1.7B $1.8B $2.0B
Shares outstanding 53.75m 54.09m 54.19m 54.37m 54.70m 54.91m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Feb 27, 2026 Annual ↗ Dec 31, 2025 58d
Nov 6, 2025 Quarterly ↗ Sep 30, 2025 37d
Aug 8, 2025 Quarterly ↗ Jun 30, 2025 39d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Feb 28, 2025 Annual ↗ Dec 31, 2024 59d
Nov 12, 2024 Quarterly ↗ Sep 30, 2024 43d
Aug 9, 2024 Quarterly ↗ Jun 30, 2024 40d
May 10, 2024 Quarterly ↗ Mar 31, 2024 40d
Feb 29, 2024 Annual ↗ Dec 31, 2023 60d
Nov 9, 2023 Quarterly ↗ Sep 30, 2023 40d

Current reports

FiledDisclosed
Oct 27, 2026 Results ↗
Aug 21, 2026 Regulation FD ↗
Jul 28, 2026 Results ↗
Jun 1, 2026 Other events ↗
May 22, 2026 Shareholder vote ↗
May 13, 2026 Regulation FD ↗
Apr 29, 2026 Results ↗
Feb 11, 2026 Director or officer change ↗
Feb 11, 2026 Regulation FD ↗
Jan 27, 2026 Results ↗
Jan 15, 2026 Regulation FD · Other events ↗
Jan 6, 2026 Director or officer change · Other events ↗