Community Financial System, Inc.
CBUFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 24, 2026
Scan Results
Daily timeframeCommunity Financial System, Inc. operates in the Banks - Regional space. Community Financial System, Inc. At a $3.28B market cap, Community Financial System, Inc. ranks as a mid-cap company within financial services. operates as the bank holding company for Community Bank, N.A.
Market Cap
$3.28B
Beta
0.78
P/E (TTM)
14.48
P/E (Fwd)
12.05
EPS (TTM)
$4.31
EPS (Fwd)
$5.18
ROE
11.5%
ROA
1.3%
Cash
$247.9M
Total Debt
$772.2M
Free CF
—
52W Change
8.8%
Annual Financials
Cash vs Debt
Where CBU stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, CBU finished 4.13% below its 150-day moving average ($62.43) and 3.47% below its 200-day moving average ($62.00). 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 October 20, 2026 close, CBU's RSI(14) was 50.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish 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.