profit from every $100 of sales.
$0$100
Community Bank System
$64.75+0.40% today
+15.1% in 1 year
1-year low $53.671-year high $70.99
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $16.12 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Community Bank System sold, what it kept, and what it did with the cash.
Sales went from $679 million in 2022 to $818 million in 2025, with $210 million of profit last year.
SalesProfit
Community Bank System handed back 47% of the cash it generated last year.
$98M
Free cash flow 2025$233M
Bought back its own shares$11M
Paid as dividends$98M
Cash vs. debt$287M vs. $459M
Community Bank System vs. similar companies
Community Bank System grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Community Bank System | 16.1× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Community Bank System's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 679 | 652 | 746 | 818 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 188 | 132 | 182 | 210 | |
| 3.46 | 2.53 | 3.44 | 3.97 | |
| – | – | – | – | |
| – | – | – | – | |
| 27.7% | 20.2% | 24.5% | 25.7% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 15,836 | 15,556 | 16,386 | 17,303 |
| Cash | 210 | 191 | 192 | 287 |
| Total debt | 791 | 461 | 737 | 459 |
| Total liabilities | 14,284 | 13,858 | 14,623 | 15,297 |
| 1,552 | 1,698 | 1,763 | 2,006 | |
| 54 | 54 | 53 | 53 | |
| – | – | – | – | |
| 12.1% | 7.8% | 10.4% | 10.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 215 | 228 | 242 | 302 | |
| 13 | 19 | 21 | 69 | |
| 202 | 210 | 222 | 233 | |
| Dividends paid | 93 | 95 | 96 | 98 |
| 17 | 30 | 46 | 11 | |
| 8 | 9 | 8 | 11 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 16.1×
- 13.7×
- 3.44
- 1.6×
- 4.1×
- 6.2%
- 3.0%
Profitability
- 25.7%
- 1.2%
- 6.9%
- 11.1%
- 1.2%
Growth
- +6.4%
- +4.7%
- +2.3%
- −0.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 31%of 854
Top 35%of 733
Bottom 39%of 876
Bottom 42%of 878
Top 45%of 929
What analysts expect
- Average price target
- $68.50
- Range
- $62.00 – $75.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 1.09 | 1.10 | −0.9% |
| Jan 27, 2026 | 1.07 | 1.13 | −5.3% |
| Oct 21, 2025 | 1.04 | 1.05 | −1.0% |
| Jul 22, 2025 | 0.97 | 1.03 | −5.8% |
| Apr 29, 2025 | 0.93 | 0.91 | +2.2% |
| Jan 21, 2025 | 0.94 | 0.88 | +6.8% |
| Oct 22, 2024 | 0.83 | 0.88 | −5.7% |
| Jul 23, 2024 | 0.91 | 0.81 | +12.3% |
3.0%of the share price, paid each year
On $1,000 invested$30a year at today's yield, before tax
+2.3%2020 to 2025
Raised8 yearsin a row, in our data
Paid per share, each year
$1.67 in 2015 → $1.86 in 2025
How safe it looks
46.4% of its profit
Room to growStretchedMore than it earns: 41.8%
News
Madonna, Bruno Mars, Megan Moroney, Detroit Lions, McDonald’s and Other Leading Brands Headline Community’s Launch of a New Era in Interactive Fan EngagementYahoo Finance · Nov 10, 2026Ascendion Expands AI Advisory Community with Four Global Business and Technology LeadersYahoo Finance · Oct 28, 2026Quant snapshot: HF Sinclair, Intel lead top-rated names; Community Financial System, AXIS Capital Holdings lagSeeking Alpha · Oct 26, 2026United Community Banks expects Q4 EPS of $0.80-$0.83 while repositioning for mid-3.70s NIMSeeking Alpha · Oct 20, 2026First Trust NASDAQ ABA Community Bank Index Fund ETF declares $0.3585 dividendSeeking Alpha · Sep 24, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
61Pass
Benjamin Graham
78Pass
Philip Fisher
67Pass
Peter Lynch
27No pass
Joel Greenblatt
14No pass
Charlie Munger
63Pass
Terry Smith
61Pass
Questions about Community Bank System
Is Community Bank System a good stock to buy?
A strong, very profitable business at a fair price. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Community Bank System AI analysis
What does Community Bank System do?
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It is in Banks - Regional, based in Syracuse, NY, United States, with 2,853 employees.
Does Community Bank System pay a dividend?
Yes. At today's price the dividend is 3.0% a year, about 46% of its yearly profit. In 2025 it paid out $97.6 million in dividends.
Is Community Bank System stock halal?
No. Community Bank System does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Community Bank System stock done over the past year?
Up 15.1% over the past twelve months, to $64.75. It traded between $53.67 and $70.99 and is 8.8% below its high.
Who are Community Bank System's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Community Bank System's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.