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Earnings transcript
Read the complete earnings call transcript.
CBU
Community Bank System, Inc.
$59.44
0.05
(0.08%)
| Exchange: | NYSE |
| Market Cap: | 3.134B |
| Shares Outstanding: | 6.737M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Dimitar A. Karaivanov | |||||
| Full Time Employees: | 2730 | |||||
| Address: |
| |||||
| Website: | https://cbna.com |
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as 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 lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management; and employee benefit services, as well as operates as a full-service insurance agency that offers personal and commercial lines of insurance, and other risk management products and services. Further, it provides contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as master recordkeeping services. As of January 24, 2022, it operated approximately 215 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 755,980 | 940,714 | 928,706 |
| Gross Profit | 640,674 | 723,530 | 681,995 |
| EBITDA | 196,582 | 265,362 | 317,248 |
| Operating Income | 168,231 | 236,705 | 291,653 |
| Net Income | 131,924 | 182,481 | 210,455 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 15,555,753 | 16,386,044 | 17,303,296 |
| Total Liabilities | 13,857,816 | 14,623,209 | 15,297,262 |
| Total Stockholders Equity | 1,697,937 | 1,762,835 | 2,006,034 |
| Total Debt | 765,198 | 998,865 | 689,933 |
| Cash and Cash Equivalents | 190,962 | 191,894 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 228,420 | 242,276 | 301,859 |
| Capital Expenditure | -18,585 | 0 | 0 |
| Free Cash Flow | 209,835 | 221,573 | 301,859 |
| Net Income | 131,477 | 182,481 | 210,455 |
| Net Change in Cash | -18,934 | 6,042 | 104,751 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 955,524.211 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 979,609.458 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 965,321.600 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 324,424.650 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 332,602.201 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 327,751.112 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 277,993.561 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 315,514.309 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 284,027.800 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 340,516.672 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 349,099.843 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 344,008.132 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 5.370 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 5.630 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 4.960 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 5 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance in Q3 2025: As highlighted in the latest earnings call transcript, CBU reported record operating income and exceeded earnings expectations for the third quarter of 2025. This indicates robust profitability and effective cost management, positioning the company favorably among investors.
- Positive Revenue and Net Income Trends: Income statement data shows consistent revenue and net income growth over recent periods, supported by strategic operational adjustments. This financial stability enhances investor confidence and supports long-term growth potential.
- Healthy Free Cash Flow: Cash flow statements reflect a strong free cash flow yield (as per key metrics TTM), indicating the company’s ability to generate cash after capital expenditures. This provides flexibility for reinvestment, debt reduction, or dividend payouts.
- Market Position and Sector Stability: Belonging to the banking industry within the financial sector (as per company profile and sector data), CBU benefits from a stable sector environment, with performance metrics (perf1y, perf5y) showing resilience compared to industry averages.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates CBU intrinsic value between $61.65 – $71.40 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about CBU valuation
Is Community Bank System, Inc. (CBU) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Community Bank System, Inc. (CBU) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is CBU a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CBU trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is CBU’s P/E ratio?
You can see CBU’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for CBU?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is CBU a good long-term investment?
Whether CBU fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
CBU
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.08
Trading Metrics:
| Open: | 58.61 | Previous Close: | 59.39 | |
| Day Low: | 58.5 | Day High: | 60.02 | |
| Year Low: | 49.44 | Year High: | 67.5 | |
| Price Avg 50: | 61.19 | Price Avg 200: | 58.7 | |
| Volume: | 179697 | Average Volume: | 254541 |
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Login — it's freeCBU full analysis
Welcome to MARKETSNAP’s SWOT analysis for Community Bank System, Inc., also known by its ticker CBU. If you’re a long-term investor looking to build wealth through smart stock picks, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it could be headed. Let’s break it down with a comprehensive look at the company, some recent developments, and a full SWOT analysis to help…
