Insider buying last 90 days
No open-market insider purchases were filed for CBU in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every CBU insider filing, plotted on the chart in Gekko.Open CBU in Gekko
NYSE: CBU
Community Financial System (CBU) Stock Analysis & Forecast
Oct 12 close
$59.37+0.74 (+1.3%)
Gekko Brief
AI summaryOct 12 closeThis week's coverage of Community Financial System centers on comparative positioning and analyst sentiment rather than company-specific operational news. One piece contrasts CBU against Bank of Hawaii on valuation, risk, earnings, and institutional ownership, while another notes a consensus target price of $70.00 from six ratings firms covering the stock, with MarketBeat describing the recommendation as a "Moderate Buy." A filing also shows Ausbil Investment Management Ltd reducing its CBU holdings by 50.3% during the period.
CBU closed at $59.37, down and trading below both its 50-day average of $62.61 and 200-day average of $62.77, with the 50-day also below the 200-day. Three-month returns stand at -12.5% and one-month returns at -5.1%, though the one-year return remains positive at 4.1%. The GekkoIndex reads 65.9, placing the stock in the Accumulation zone. Price sits 9.1% below Gekko Fair Value of $65.3.
Earnings are scheduled for 27 October 2026, 14 days out and within a typical 20-trading-day holding window; the prior quarter saw an EPS miss of $1.07 against a $1.13 estimate, with a -1.1% reaction, while the company has beaten estimates in 4 of the last 8 quarters. No insider, Congress, or unusual options activity appears in the current windows. Seasonality data shows the next 20 trading days have averaged a 6.9% gain across 5 years, with gains in 5 of those years. Three covering firms currently rate the stock a hold, with a consensus target of $69.17.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Community Financial System price vs fair value
Close $59.37200-day averageGekko Fair Value $65.30
Community Financial System quick facts
- Market cap
- $3.12B
- P/E ratio
- 13.7
- Forward P/E
- 15.8
- EPS, TTM
- $4.31
- Revenue, TTM
- $838.2M
- Profit margin
- 27.2%
- Dividend yield
- 3.17%
- Beta
- 0.78
- Volume
- 188,546 avg 325,215
- 1-year return
- +4.1%
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±5%
- 50-day average
- $62.61
- 200-day average
- $62.77
- Next earnings
- Oct 27
- Shares outstanding
- 52.62M
Community Financial System swing-trade checklist
Community Financial System scores 3 supportive, 0 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $59.37 is below the 50-day ($62.61) and 200-day ($62.77) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
65.9, Accumulation
Reading 65.9 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
9.1% below
Price is 9.1% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 15 days
Reports on Oct 27, 2026, 15 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+6.9% on average
From this point in the calendar, the next 20 trading days averaged +6.9% over 5 years, rising in 5 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Community Financial System stock chart and price history
Community Financial System closed at $59.37 on Oct 12, 2026, +4.1% over the past year, inside a 52-week range of $53.46 to $71.11.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −5.1%
- 3 months
- −12.5%
- 6 months
- −5.7%
- 1 year
- +4.1%
The full CBU chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open CBU in Gekko
Follow Community Financial System through every session
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About Community Financial System
Community Financial System operates as the parent of a bank that serves everyday consumers, businesses and local government bodies. It is best known for a full range of deposit and lending products, from checking and savings accounts to mortgages, personal loans, home equity lines and commercial loans, along with financing for vehicles such as cars, boats and other recreational equipment arranged through dealership partners.
The company's work is organized into banking, employee benefit services and a smaller remaining segment covering other activities. Beyond deposits and lending, it provides brokerage and investment advice, cash management and treasury services, and insurance through its own agency. Its benefits arm administers retirement and contribution plans, trusts, collective investment funds and related consulting work, while its wealth management side covers financial planning, trust and fiduciary services, and access to investments like stocks, bonds and mutual funds for individuals, families and institutions.
Community Financial System traces its roots to 1866 and is headquartered in DeWitt, New York, with customer-facing locations across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Its shares are listed on the NYSE under the ticker CBU.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Major banks
- Website
- ir.cfsi.com
Community Financial System GekkoIndex: the smart money zone
Community Financial System’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.9, in the Accumulation zone, up 0.8 points over five sessions.
65.9Accumulation
Up 0.8 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 39 | +0.5% | +4.2% | ||
| Accumulation (current zone) | 220 | +0.6% | +3.1% | ||
| Neutral | 401 | −0.1% | 0.0% | ||
| Distribution | 21 | +2.0% | −2.3% | ||
| Selling | 1 | Too few readings yet | |||
Average CBU share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the CBU price, zone by zone.Track CBU in Gekko
Is Community Financial System stock overvalued? Gekko Fair Value
Community Financial System trades 9.1% below Gekko Fair Value of $65.30, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Community Financial System shares are worth, recalculated every trading day.
$65.30
Gekko Fair Value, Oct 10, 2026
9.1% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open CBU in Gekko
Community Financial System insider and Congress trading
No open-market insider purchases were filed for Community Financial System, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in CBU were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for CBU, plotted on the chart in Gekko.Open CBU in Gekko
Buybacks
Community Financial System has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $564K
- As a share of market cap
- 0.02%
- Trailing four quarters
- $27.15M
From company filings.
Community Financial System earnings: next date and track record
Community Financial System reports on Oct 27, 2026 (15 days away), and beat the EPS estimate in 4 of its last 8 reports.
Next earnings report
Oct 27, 2026
15 days away
- EPS estimate
- $1.19
- Revenue estimate
- $226.9M
4 of 8reports beat the EPS estimate
±1.8%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jan 27, 2026 AI summary
- What they said
- Community Bank System (CBS) reported strong Q4 and full-year 2025 results with revenue strength across banking, insurance, wealth management, and employee benefit services. Management highlighted 16% operating earnings growth in 2025, 22% operating income growth in banking, 42% operating income growth in insurance, and improvement in wealth and retirement segments. Net interest income (NII) expanded for the seventh consecutive quarter with a 6-basis-point NIM increase to 3.39% in Q4. Loan balances grew 5% year-over-year and deposits increased 7%; the company completed Santander branch integrations and announced a ClearPoint acquisition expected to close in 2026. Management emphasized investments in AI/automation, expense noise related to acquisitions, and capital deployment into high-return businesses. Asset quality remained stable. Guidance provided for 2026 included loan growth 3.5%-6%, deposit growth 2%-3%, NII growth 8%-12%, noninterest revenue growth 4%-8%, PCL $20M-$25M, core noninterest expenses $535M-$550M, and effective tax rate 23%-24%.
- Guidance
- 2026 guidance: loan balances growth 3.5%-6%; deposit growth 2%-3%; net interest income growth 8%-12%; noninterest revenues growth 4%-8%; provision for credit losses $20M-$25M; core noninterest expenses $535M-$550M (including $8M-$9M Santander-related incremental); effective tax rate 23%-24%. Q1 notes: Q1 noninterest expenses typically higher; NIM guide +2 to +4 basis points for Q1.
- Risks flagged
- Risks mentioned: elevated New York state income taxes (~+2% tax rate vs 18 months ago), competitive loan pricing pressures (trend lower), potential tapering of margin expansion, seasonality and one-time expense noise from acquisitions, reliance on successful integration of Santander branches and ClearPoint acquisition, and macro/market sensitivity of retirement asset values.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 27, 2026 | $1.07 est $1.13 | $215.6M est $212.8M | −1.1% |
| Oct 21, 2025 | $1.09 est $1.05 | $207.1M est $206.1M | +0.5% |
| Jul 22, 2025 | $0.97 est $1.01 | $199.3M est $206.3M | −4.4% |
| Apr 28, 2025 | $0.93 est $0.91 | $196.2M est $203.0M | −1.3% |
| Jan 21, 2025 | $0.94 est $0.91 | $196.3M est $191.0M | +2.5% |
| Oct 22, 2024 | $0.83 est $0.88 | $188.9M est $186.4M | −1.2% |
| Jul 23, 2024 | $0.90 est $0.81 | $183.8M est $179.6M | +1.3% |
| Apr 23, 2024 | $0.76 est $0.78 | $177.3M est $178.9M | +2.0% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Community Financial System stock forecast and analyst price targets
Analysts’ average 12-month price target for Community Financial System is $69.17, +16.5% from the last close, from 3 firms rating the stock in the last 90 days.
$69.17consensus 12-month target, +16.5% from the last close
Now $59.37Avg $69.17
Low $65High $69
Each firm’s latest rating in the last 90 days: 3 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 12 | D.A. Davidson | $69 | +16.2% |
| Oct 6 | Piper Sandler | $65 | +9.5% |
| Aug 3 | Piper Sandler | $71 | +19.6% |
| Jul 30 | KBW | $68 | +14.5% |
| Jul 29 | D.A. Davidson | $70 | +17.9% |
+3.1%average 20-day move after past Accumulation readings
+6.9%average move over the next 20 trading days in the last 5 years
±1.8%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Community Financial System seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Community Financial System averaged +6.9% across the last 5 years, rising in 5 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.5% | 3 of 5 |
| Next 10 trading days | −0.9% | 3 of 5 |
| Next 15 trading days | +1.5% | 4 of 5 |
| Next 20 trading days | +6.9% | 5 of 5 |
| Next 30 trading days | +7.8% | 5 of 5 |
For scale, CBU’s typical 20-trading-day move in either direction is about 5%.
Community Financial System market cap and key statistics
Community Financial System’s market cap is $3.12B, with a P/E ratio of 13.7 and revenue of $838.2M over the last twelve months.
Valuation
- Market cap
- $3.12B
- P/E ratio
- 13.7
- Forward P/E
- 15.8
- EPS, TTM
- $4.31
- Gekko Fair Value
- $65.30
Trading
- Volume
- 188,546
- Avg volume, 20 days
- 325,215
- 52-week high
- $71.11
- 52-week low
- $53.46
- Shares outstanding
- 52.62M
Financials
- Revenue, TTM
- $838.2M
- Profit margin
- 27.2%
- Return on equity
- 11.5%
- Quarterly earnings growth, YoY
- +19.8%
Risk and income
- Beta
- 0.78
- Typical daily move
- ±1.8%
- Typical 20-day move
- ±5%
- Dividend yield
- 3.17%
Community Financial System stock news this week
3 headlines about Community Financial System from the past week, newest first, each linking to the publisher.
- Financial Contrast: Bank of Hawaii (NYSE:BOH) versus Community Financial System (NYSE:CBU)Defense World, Oct 12
- Community Financial System, Inc. $CBU Stock Sold by Ausbil Investment Management LtdDefense World, Oct 8
- Community Financial System, Inc. (NYSE:CBU) Stock Has Consensus Target Price of $70.00 According to AnalystsDefense World, Oct 8
Community Financial System peers
Community Financial System’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 6.9% below |
| BACBank of America | Accumulation | 13.1% below |
| RYRoyal Bank Of Canada | Accumulation | 6.5% below |
| WFCWells Fargo | Neutral | 8.5% below |
| CCitigroup | Neutral | 6.6% below |
| TDToronto Dominion Bank | Accumulation | 2.9% below |
A peer links to its own page where one exists.
Community Financial System stock FAQ
What is Community Financial System’s market cap?
Community Financial System’s market cap is $3.12B at the Oct 12, 2026 close of $59.37, with 52.62M shares outstanding. The shares trade on a P/E ratio of 13.7.
What is the Community Financial System stock forecast?
The consensus analyst 12-month price target for Community Financial System is $69.17, +16.5% from the last close. Of the 3 firms that rated the stock in the last 90 days, 0 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Community Financial System stock overvalued or undervalued?
On Gekko’s estimate Community Financial System is undervalued: the Oct 12, 2026 close of $59.37 is 9.1% below Gekko Fair Value of $65.30. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Community Financial System report earnings next?
Community Financial System is expected to report on Oct 27, 2026 (15 days away). Analysts expect earnings of $1.19 per share on revenue of $226.9M. Community Financial System beat the earnings estimate in 4 of its last 8 reports, moving 1.8% on average across the report.
What is Community Financial System’s 52-week high and low?
Community Financial System’s 52-week high is $71.11 and its 52-week low is $53.46; it closed at $59.37 on Oct 12, 2026, +4.1% over the past year. Over the last five years the shares peaked at $78.00 on Jan 10, 2022.
Is Community Financial System stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality) and 2 as headwinds (trend and earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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