Community Financial System (CBU)
Combines Northeast community banking with national benefits administration, insurance and wealth management.
Something off on this page? Send us feedback.
Combines regional banking through Community Bank with nationwide employee-benefit administration through BPAS, insurance brokerage through OneGroup, and wealth management through Nottingham Financial Group. Banking remains the largest business, while the three fee businesses diversify revenue beyond the Northeast branch network.
Combines Community Bank’s regional lending, deposits, treasury management and payment services with three fee businesses: BPAS employee-benefit administration, OneGroup insurance and risk management, and Nottingham Financial Group wealth management. Banking serves consumers, businesses and governments across Upstate New York and nearby markets in Pennsylvania, Vermont, Massachusetts and New Hampshire.
Extends beyond the branch footprint through BPAS’s nationwide retirement-plan, trust, fund-administration and actuarial work. Nottingham adds financial planning, investment advisory, asset management and trust services, including ClearPoint’s specialized trust administration, while OneGroup brokers personal and commercial insurance.
Runs on a regulated-bank core, local deposits and lending relationships, with fee revenue tied partly to administered assets and financial-market values. Acquisitions and new branches broaden distribution but add integration demands.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Rating: —Target: $62 | Target: $71 |
| Apr 30, 2026 | Raymond James | Target | Target: $67 | Target: $75 |
| Jan 13, 2026 | Janney Montgomery Scott | Downgrade | ||
| Dec 3, 2025 | Piper Sandler | Target | Target: $66 | Target: $62 |
| Oct 28, 2024 | Raymond James | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $4.78B · Total debt $764.0M · Total assets $17.76B · Shareholders' equity $2.07B
- Revenue
- $268.4M
- Operating income
- $80.8M
- Net income
- $61.3M
HistoryDividendAnnual yield
| Institutions | 79.13% | 41.64M shares | |
|---|---|---|---|
| 283 holders · as of Jun 30, 2026 | |||
| Insiders | 0.67% | 353.9K shares | |
| 19 holders · as of Sep 10, 2026 | |||
| Other | 20.20% | 10.63M shares | |
| remainder | |||
52.62M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.36% | 7.56M | as of Jun 30, 2026 |
FMR LLCInstitution | 6.99% | 3.68M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 6.75% | 3.55M | as of Jun 30, 2026 |
Neuberger Berman Group LLCInstitution | 6.57% | 3.46M | as of Jun 30, 2026 |
State Street CorpInstitution | 6.30% | 3.31M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 9, 2026 | Savneet Singh | director | +400 | $62.47 |
| Aug 27, 2026 | John A. Vaccaro | director | +317 | $63.11 |
| Aug 24, 2026 | Brenda M. Hall | director | +476 | $63.59 |
| Jun 25, 2026 | Mark J. Bolus | director | −12,191 | $67.00 |
| Jun 8, 2026 | Eric Stickels | director | −2,000 | $63.98 |
- NBT Bancorp
Closest four-line Northeast community-bank peer
- M&T Bank
Larger Northeast banking and wealth competitor
- Tompkins Financial
New York and Pennsylvania bank and wealth peer
- Beacon Financial
New England and New York regional-bank competitor
- First Commonwealth Financial
Pennsylvania banking, insurance and wealth peer
- S&T Bancorp
Pennsylvania bank with trust and brokerage overlap
- Arthur J. Gallagher
Public insurance and benefits brokerage competitor
- KeyCorp
Large regional bank for deposits, treasury and wealth
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Community Financial System | $61.14 | 0.00% | $3.21B | 14.2 | 12.6 | 3.1 | +9.6% |
| NBT Bancorp | $50.77 | −0.16% | $2.64B | 12.5 | 11.6 | 2.8 | +9.4% |
| M&T Bank | $220.93 | −1.12% | $32.38B | 11.8 | 11.1 | 2.6 | +5.7% |
| Tompkins Financial | $97.84 | +0.02% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| Beacon Financial | $28.26 | −0.58% | $2.39B | 21.5 | 8.9 | 2.1 | +92.8% |
| First Commonwealth Financial | $20.78 | +0.17% | $2.11B | 12.7 | 11.1 | 3.4 | +6.5% |
| S&T Bancorp | $49.41 | +0.32% | $1.74B | 13.2 | 12.5 | 3.1 | +5.2% |
| Arthur J. Gallagher | $229.05 | −0.61% | $59.20B | 38.2 | 16.2 | 3.8 | +22.8% |
| KeyCorp | $20.42 | −0.32% | $22.11B | 11.9 | 10.5 | 2.1 | +7.3% |
| Median | 12.6 | 11.4 | 2.8 | +6.9% |