COMMUNITY FINANCIAL SYSTEM, INC. (CBU)

Comprehensive financial analysis for COMMUNITY FINANCIAL SYSTEM, INC. (CBU) based on SEC EDGAR filings. Data updated daily from official 10-K and 10-Q reports.

Company Information

Legal Name
COMMUNITY FINANCIAL SYSTEM, INC.
Ticker Symbol
CBU
Exchange
NYSE
CIK Number
0000723188
SIC Code
6021
Industry
National Commercial Banks
Also Known As
Community Bank
Shares Outstanding
52.7M

Profitability & Efficiency Metrics

Return on Equity (ROE)
10.98%
Return on Average Assets (ROAA)
1.24%
Efficiency Ratio
63.6%
Deposits to Assets
82.9%
Loans to Deposits
75.9%

Valuation Metrics

Book Value Per Share (BVPS)
$36.82
Graham Number
$56.69

Capital & Balance Sheet

Equity to Assets
11.43%
Loans to Assets
62.9%
Total Assets
$16.96B
Total Deposits
$14.06B
Total Equity
$1939.0M

TTM Performance

Net Income (TTM)
$205.8M
Net Interest Income (TTM)
$493.1M
Earnings Per Share (TTM)
$3.88
Dividend Per Share (TTM)
$1.85
Dividend Payout Ratio
47.7%

SEC Filing Data

All financial data for COMMUNITY FINANCIAL SYSTEM, INC. is sourced directly from SEC EDGAR filings including 10-K annual reports and 10-Q quarterly statements. Metrics are calculated using trailing twelve month (TTM) methodology with data through 2025-09-30.

Compare COMMUNITY FINANCIAL SYSTEM, INC. with 300+ other banks using the BankSift screener, or learn about the financial metrics and valuation methods used in this analysis.