Community Bank System Inc
Research Community Bank System Inc (CBU) on Bullrun: valuation model: 10.5% overvalued, market cap USD 3.31B, P/E 14.6, dividend yield 3.0%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCBU
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal10.5% overvalued
- Market capUSD 3.31B
- P/E14.6
- Dividend yield3.0%
- Financial periodQ2 2026
- RevenueUSD 223.62M
- Net incomeUSD 61.33M
- Free cash flowUSD 41.38M
Valuation Snapshot
Bullrun's latest valuation model marks Community Bank System Inc as 10.5% overvalued; latest market cap is USD 3.31B; P/E is 14.6; dividend yield is 3.0%.
Peer valuation comparison
Latest P/E is 14.63x versus a Financial Services sector median of 13.84x (5.7% above).
Latest dividend yield is 2.98% versus a Financial Services sector median of 3.86% (22.7% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 818.01M | USD 210.46M | USD 233.33M | n/a | 3.97 | USD 301.76M | USD 458.77M | USD 2.01B |
| FY2024 | USD 746.30M | USD 182.48M | USD 221.57M | n/a | 3.44 | USD 197.00M | USD 990.20M | USD 1.76B |
| FY2023 | USD 652.12M | USD 131.92M | USD 209.84M | n/a | 2.45 | USD 190.96M | USD 460.60M | USD 1.70B |
| FY2022 | USD 679.36M | USD 188.08M | USD 201.68M | n/a | 3.46 | USD 209.90M | USD 312.49M | USD 1.55B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 3.31B | 14.6 | 3.0% | 1.88 |
| 2025 | 2025-12-31 | USD 3.03B | 14.5 | 3.2% | 1.86 |
| 2024 | 2024-12-31 | USD 3.25B | 18.0 | 3.0% | 1.82 |
| 2023 | 2023-12-29 | USD 2.78B | 18.7 | 3.4% | 1.78 |
| 2022 | 2022-12-30 | USD 3.38B | 19.1 | 2.8% | 1.74 |
| 2021 | 2021-12-31 | USD 4.01B | 21.4 | 2.3% | 1.7 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.88 USD, yield 3.0%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.86 USD |
| FY2024 | 1.82 USD |
| FY2023 | 1.78 USD |
| FY2022 | 1.74 USD |
About Community Bank 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 governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services;
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Frequently asked questions
Is Community Bank System Inc overvalued or undervalued?
Bullrun's valuation model currently marks Community Bank System Inc as 10.5% overvalued.
What is Community Bank System Inc's market cap?
Community Bank System Inc's market capitalization is USD 3.31B.
What is Community Bank System Inc's P/E ratio?
Community Bank System Inc's price-to-earnings (P/E) ratio is 14.6.
Does Community Bank System Inc pay a dividend?
Community Bank System Inc has a dividend yield of 3.0%.
What does Community Bank System Inc do?
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 governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units.