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CBU COMMUNITY FINANCIAL SYSTEM, INC.

Trailing twelve months to 2026-06-30 · as filed 2026-08-07, not restated
Financials

Scale

Market cap
$3.3bn
Revenue TTM
$859m
Net income TTM
$228m
Free cash flow
$247m
Composite score
47.7
Sector rank
#1335

Valuation

P / E
14.5
EV / EBITDA
EV / sales
3.6
FCF yield
7.45%
Earnings yield vs 10-yr
2.16pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
26.6%
EBITDA margin
ROE
11.0%
ROIC
Revenue growth

Insider activity, last 90 days

Net open-market
$-0.89m
Buyers
2
Sellers
2

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Earnings per share of $1.16 for the second quarter increased $0.19, or 19.6%, from the second quarter of 2025, while YTD earnings per share of $2.24 increased $0.34, or 17.9%, from the 2025 YTD period. The increases in net income and earnings per share were primarily driven by increases in net interest income and noninterest revenues, partially offset by increases in noninterest expenses and income taxes. ​ Net interest income increased to $139.1 million in the second quarter, a $14.4 million, or 11.5%, increase from the prior year’s second quarter. YTD net interest income of $273.9 million increased $28.9 million, or 11.8%, from the prior YTD period. …COMMUNITY FINANCIAL SYSTEM, INC., 10-Q, period ended 2026-06-30, filed 2026-08-07

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