How to buy Community Bank System stock (CBU)

Community Bank System is a banks - regional business based in the US. Community Bank System shares (CBU) are listed on the NYSE and all prices are listed in US Dollars. Its last market close was $63.27 – an increase of 1.01% over the previous week. Community Bank System employs 2,687 staff and has a trailing 12-month revenue of around $706.3 million.

Our top picks for where to buy Community Bank System stock

Buy Community Bank System stock from these online trading platforms

Compare special offers, low fees and a wide range of investment options among top trading platforms.

Paid non-client promotion. Finder does not invest money with providers on this page. If a brand is a referral partner, we're paid when you click or tap through to, open an account with or provide your contact information to the provider. Partnerships are not a recommendation for you to invest with any one company. Learn more about how we make money.

Finder is not an advisor or brokerage service. Information on this page is for educational purposes only and not a recommendation to invest with any one company, trade specific stocks or fund specific investments. All editorial opinions are our own.

Community Bank System stock price (NYSE: CBU)

Use our graph to track the performance of CBU stocks over time.

Community Bank System shares at a glance

• Key figures

Information last updated 2024-12-25.

Latest market close	$63.27
52-week range	$40.46 - $72.88
50-day moving average more info button	$65.39
200-day moving average more info button	$54.78
Wall St. target price	$70.67
PE ratio more info button	20.1214
Dividend yield more info button	$1.81 (2.94%)
Earnings per share (TTM) more info button	$3.13

Is it a good time to buy Community Bank System stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Community Bank System price performance over time

Historical closes compared with the close of $62.98 from 2024-12-24

1 week (2024-12-20)	0.54%
1 month (2024-11-27)	-9.51%
3 months (2024-09-27)	10.10%
6 months (2024-06-27)	37.81%

1 year (2023-12-27)	18.41%
2 years (2022-12-27)	8.37%
3 years (2021-12-27)	67.8831
5 years (2019-12-27)	3.66%

Is Community Bank System stock undervalued or overvalued?

Valuing Community Bank System stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Community Bank System's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Community Bank System's P/E ratio

Community Bank System's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 20x. In other words, Community Bank System shares trade at around 20x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Community Bank System's PEG ratio

Community Bank System's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.17. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Community Bank System's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Community Bank System financials

Revenue TTM	$706.3 million
Operating margin TTM	33.33%
Gross profit TTM	$664.6 million
Return on assets TTM	1.05%
Return on equity TTM	9.96%
Profit margin	23.56%
Book value	$33.97
Market Capitalization more info button	$3.3 billion

TTM: trailing 12 months

Community Bank System share dividends

Dividend payout ratio: 55.83% of net profits

Recently Community Bank System has paid out, on average, around 100% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Community Bank System shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In Community Bank System's case, that would currently equate to about $1.81 per share.

Community Bank System's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

Community Bank System's most recent dividend payout was on 9 January 2025. The latest dividend was paid out to all shareholders who bought their shares by 12 December 2024 (the "ex-dividend date").

Have Community Bank System's shares ever split?

Community Bank System's shares were split on a 2:1 basis on 12 April 2004 . So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Community Bank System shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Community Bank System shares which in turn could have impacted Community Bank System's share price.

Community Bank System share price volatility

Over the last 12 months, Community Bank System's shares have ranged in value from as little as $40.4623 up to $72.8841. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Community Bank System's is 0.636. This would suggest that Community Bank System's shares are less volatile than average (for this exchange).

Community Bank System overview

Community Financial System, Inc. operates as the bank holding company for Community Bank, N. A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products.

Frequently asked questions

null
What percentage of Community Bank System is owned by insiders or institutions?
Currently 1.299% of Community Bank System shares are held by insiders and 72.628% by institutions. How many people work for Community Bank System?
Latest data suggests 2,687 work at Community Bank System. When does the fiscal year end for Community Bank System?
Community Bank System's fiscal year ends in December. Where is Community Bank System based?
Community Bank System's address is: 5790 Widewaters Parkway, Dewitt, NY, United States, 13214-1883 What is Community Bank System's ISIN number?
Community Bank System's international securities identification number is: US2036071064 What is Community Bank System's CUSIP number?
Community Bank System's Committee on Uniform Securities Identification Procedures number is: 203607106