Community Financial System, Inc.
CBUFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 9, 2026
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Daily timeframeHeadquartered within the financial services sector, Community Financial System, Inc. focuses on Banks - Regional services and products. Community Financial System, Inc. The $3.32B market capitalization puts CBU squarely in mid-cap range for its industry. operates as the bank holding company for Community Bank, N.A.
Market Cap
$3.32B
Beta
0.79
P/E (TTM)
14.65
P/E (Fwd)
12.18
EPS (TTM)
$4.31
EPS (Fwd)
$5.19
ROE
11.5%
ROA
1.3%
Cash
$247.9M
Total Debt
$772.2M
Free CF
—
52W Change
8.0%
Annual Financials
Cash vs Debt
Where CBU stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, CBU finished 0.00% above its 150-day moving average ($62.99) and 1.93% above its 200-day moving average ($61.80). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is CBU overbought or oversold?
At the September 3, 2026 close, CBU's RSI(14) was 29.7, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Community Financial System, Inc. carries $772.2M in total debt against $247.9M in cash reserves — debt is roughly 3.1x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 11.5%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $679.4M (2022) to $818.3M (2025), reflecting a 20% increase over the period.
As with any equity investment, CBU carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. No single metric tells the full story. Reviewing CBU's risk profile alongside its fundamentals and technical indicators provides a more complete picture.