

Audited annual filings, TTM ratios and consensus forward estimates
Wall Street price targets and rating actions
Revenue disaggregation per 10-K filing
Annual filings (FY) with consensus forward estimates (hatched)
1255 daily bars · split adjusted
Current price $62.42
Latest analyst grade actions
| Date | Firm | Action | Previous | New grade |
|---|---|---|---|---|
| Oct 12, 26 |
Daily · Wilder smoothing
| DA Davidson |
| maintain |
| Neutral |
| Neutral |
| Oct 6, 26 | Piper Sandler | maintain | Neutral | Neutral |
| Aug 3, 26 | Piper Sandler | maintain | Neutral | Neutral |
| Jul 30, 26 | Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform |
| Apr 30, 26 | Piper Sandler | maintain | Neutral | Neutral |
| Jan 13, 26 | Janney Montgomery Scott | downgrade | Buy | Neutral |
| Oct 23, 25 | Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform |
| Jul 23, 25 | Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform |
| Jan 22, 25 | Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform |
Classic floor pivots from 2026-10-23
Computed from daily OHLCV bars
| Indicator | Value | Type | Action |
|---|---|---|---|
| RSI (14) | 61.40 | Oscillator | Neutral |
| Stochastic %K (14, 3, 3) | 90.39 | Oscillator | Sell |
| Williams %R (14) | -6.24 | Oscillator | Sell |
| MACD (12, 26, 9) | -0.08 (Hist 0.48) | Oscillator | Buy |
| Average Directional Index (14) | 26.26 (+DI 29.8 / -DI 21.0) | Trend | Strong Buy |
| EMA 20 | 60.63 | MA | Buy |
| SMA 20 | 60.02 | MA | Strong Buy |
| EMA 50 | 61.61 | MA | Buy |
| SMA 50 | 61.71 | MA | Buy |
| SMA 200 | 62.84 | MA | Sell |
TTM vs. 5-year historical average (annual ratios)
| Metric | CBU | Historical (5Y) / ref | Status |
|---|---|---|---|
| P/E ratio (TTM) | 14.5x | 18.6x · sector 20.4x | Discount |
| Forward P/E (FY26E) | 13.6x | EPS est. 4.60 | In line |
| Price / Book | 1.6x | 1.8x | In line |
| Price / Sales | 3.1x | 4.3x | Discount |
| EV / EBITDA | 11.3x | 13.8x | Discount |
| Return on equity | 11.3% | — | Healthy |
| Gross margin | 80.1% | 86.9% | In line |
| Debt / Equity | 0.37 | 0.46 | Conservative |
| Piotroski / Altman Z | 8/9 | Z 0.66 | Distress |
Discounted cash flow model
Free float vs. closely held shares
13F institutional holdings are not available in the current data plan.
SEC Form 4 filings
| Date | Insider | Role | Type | Shares @ price | Value |
|---|---|---|---|---|---|
| Sep 17, 26 | Vaccaro John A | director | A-Award | 347 | — |
| Sep 17, 26 | Sullivan Michele | director | A-Award | 396 | — |
| Sep 9, 26 | Singh Savneet | director | P-Purchase | 400 @ $62.47 | $24.99K |
| Aug 27, 26 | Vaccaro John A | director | P-Purchase | 317 @ $63.11 | $20.01K |
| Aug 24, 26 | Hall Brenda M | director | P-Purchase | 476 @ $63.59 | $30.27K |
| Jun 25, 26 | Bolus Mark J. | director | S-Sale | 12,191 @ $67.00 | $816.8K |
| Jun 18, 26 | Sullivan Michele | director | A-Award | 406 | — |
| Jun 18, 26 | Vaccaro John A | director | A-Award | 320 | — |
FY2025 · 10-K disclosure
Stock news · updated daily
SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Announces Quarterly Dividend.
Community Financial (CBU) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
| 4 | Aug 26, 2026 | 2026-08-26 12:07:10 | View |
| 8-K | Aug 21, 2026 | 2026-08-21 16:15:56 | View |
| 10-Q | Aug 7, 2026 | 2026-08-07 16:16:28 | View |
| SC 13G/A | Aug 6, 2026 | 2026-08-06 10:17:34 | View |
| 8-K | Jul 28, 2026 | 2026-07-28 09:20:29 | View |
| 4 | Jun 29, 2026 | 2026-06-29 11:13:37 | View |
Proxy statement (DEF 14A) disclosures
Investors need to pay close attention to CBU stock based on the movements in the options market lately.
Reported EPS vs. consensus estimate
| Report date | EPS est. | EPS actual | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | 1.18 | 1.16 | Miss -1.7% | $218.4M |
| Apr 29, 2026 | 1.10 | 1.09 | Miss -0.9% | $213.7M |
| Jan 27, 2026 | 1.13 | 1.07 | Miss -5.3% | $215.6M |
| Oct 21, 2025 | 1.05 | 1.04 | Miss -1.0% | $207.1M |
| Jul 22, 2025 | 1.03 | 0.97 | Miss -5.8% | $199.3M |
| Apr 29, 2025 | 0.91 | 0.93 | Beat 2.2% | $196.2M |