Community Bank System, Inc. CBU | NYSE

$56.87 -$0.24 | -0.42%

After Hours
$55.94 -$0.93 | -1.64%

Next Earnings: Jul 21, 2025

Company Overview:

Market Cap: $3.01B
PE Ratio: 15.75
52-Week Range: $45.64 - $73.39
Dividend Yield (FWD): 3.24% ($1.84)

6.4 Year CBU Performance Metrics:

Total Return (with DRIP): 13.9% (2.06% CAGR)
Total Return (no DRIP): 12.8% (1.90% CAGR)
Share Price: -5.1% (-0.82% CAGR)
Dividend Increase: 21.1% (2.98% CAGR)
CBU 6.4-yr Total Return ($10K invested)
1Y 2Y 5Y 10Y All

CBU Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
CBU Dividend CAGR:1Y: 2.22%2Y: 2.25%5Y: 2.33%10Y: 4.03%
Share Price
CBU Price CAGR:1Y: 21.28%2Y: 10.14%5Y: -0.05%10Y: -0.53%

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CBU Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend Payout Ratio - CBU
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Dividend to Free Cash Flow Ratio - CBU
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CBU Earnings, Revenue, Cash & Debt, Shares Outstaning:

CBU - Revenue
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CBU Revenue CAGR:1Y: 9.31%2Y: 40.03%5Y: 10.39%10Y: 10.61%
CBU - Earnings Per Share (EPS)
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CBU EPS CAGR:1Y: 23.68%2Y: 192.33%5Y: 4.34%10Y: 5.70%
CBU - Net Income
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CBU Net Income CAGR:1Y: 21.39%2Y: 192.53%5Y: 4.33%10Y: 8.33%
CBU - EBITDA
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CBU EBITDA CAGR:1Y: 0.00%2Y: 67.58%5Y: 2.21%10Y: 6.21%
CBU - Free Cash Flow
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CBU Free Cash Flow CAGR:1Y: -32.82%2Y: -15.81%5Y: 17.02%10Y: 10.76%
CBU - Free Cash Flow / Share
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CBU Free Cash Flow / Share CAGR:1Y: -32.84%2Y: -14.97%5Y: 16.69%10Y: 7.93%
CBU - Operating Income
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CBU Operating Income CAGR:1Y: 13.20%2Y: 71.60%5Y: 2.66%10Y: 6.29%
CBU - Gross Profit
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CBU Gross Profit CAGR:1Y: 10.77%2Y: 123.04%5Y: 20.05%10Y: 7.87%
CBU - Shares Outstanding
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CBU Shares Outstanding CAGR:1Y: -1.28%2Y: -1.18%5Y: 0.12%10Y: 2.50%
CBU - Share Buybacks
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CBU Share Buybacks CAGR:1Y: -99.86%2Y: -93.38%5Y: -8.29%10Y: -40.83%
CBU - Stock-Based Comp
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CBU Stock-Based Comp CAGR:1Y: 28.17%2Y: 15.83%5Y: 9.32%10Y: 10.23%
CBU - Expenses
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CBU Expenses CAGR:1Y: 312.47%2Y: 61.04%5Y: 28.44%10Y: 12.26%
CBU - Revenue vs Net Income
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CBU - EPS vs FCF / Share
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CBU - EPS vs PE Ratio
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CBU - FCF vs FCF / Share
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CBU - FCF vs Stock Based Comp
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CBU - Cash & Debt
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CBU - Dividends
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CBU Dividend CAGR:1Y: 2.22%2Y: 2.25%5Y: 2.33%10Y: 4.03%
CBU - Revenue by Segment
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CBU Revenue CAGR:1Y: 9.31%2Y: 40.03%5Y: 10.39%10Y: 10.61%
CBU - Revenue by Region
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CBU Revenue CAGR:1Y: 9.31%2Y: 40.03%5Y: 10.39%10Y: 10.61%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CBU - REVENUE: Actual + Estimates
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CBU Actual Revenue CAGR:1Y: 9.31%2Y: 40.03%5Y: 10.39%10Y: 10.61%
CBU - EPS: Actual + Estimates
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CBU Actual EPS CAGR:1Y: 23.68%2Y: 192.33%5Y: 4.34%10Y: 5.70%
CBU - NET INCOME: Actual + Estimates
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CBU Actual Net Income CAGR:1Y: 21.39%2Y: 192.53%5Y: 4.33%10Y: 8.33%
CBU - EBITDA: Actual + Estimates
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CBU Actual EBITDA CAGR:1Y: 0.00%2Y: 67.58%5Y: 2.21%10Y: 6.21%

Ratios, Profit Margins & Return on Capital:

CBU - Net Profit Margin
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CBU Net Profit Margin CAGR:1Y: 11.07%2Y: 108.80%5Y: -5.48%10Y: -2.06%
CBU - Gross Profit Margin
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CBU Gross Profit Margin CAGR:1Y: 1.34%2Y: 59.29%5Y: 8.76%10Y: -2.48%
CBU - Price to Earnings
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CBU - Price To Sales Ratio
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CBU - Return on Capital Employed
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CBU - Return on Invested Capital
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CBU Dividends Info:

Annual Dividend: $1.84
Forward Yield: 3.24%
Ex-Dividend Date: 2025-06-13
Lifetime Dividends / Share: $32.02

CBU Dividend History: Dates, Payments & Yield list

Below is a schedule of all CBU dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
06/13/202507/10/2025$0.4603.34%0%$0.00
03/14/202504/10/2025$0.4603.2%3.57%$51.47
12/13/202401/10/2025$0.4602.73%3.14%$58.68
09/13/202410/10/2024$0.4603.14%3.19%$57.75
06/14/202407/10/2024$0.4504.17%3.74%$48.17
03/14/202404/10/2024$0.4504.1%4.14%$43.52
12/14/202301/10/2024$0.4503.43%3.58%$50.25
09/14/202310/10/2023$0.4504%4.22%$42.61
06/14/202307/10/2023$0.4403.47%3.96%$44.44
03/14/202304/10/2023$0.4403.24%3.55%$49.61
12/14/202201/10/2023$0.4402.91%2.75%$64.06
09/14/202210/10/2022$0.4402.76%2.89%$60.80
06/14/202207/11/2022$0.4302.77%2.69%$63.86
03/14/202204/11/2022$0.4302.36%2.53%$68.00
12/14/202101/10/2022$0.4302.32%2.21%$77.89
09/14/202110/08/2021$0.4302.52%2.39%$71.91
06/14/202107/09/2021$0.4202.14%2.27%$74.06
03/12/202104/09/2021$0.4202.03%2.14%$78.36
12/11/202001/11/2021$0.4202.58%2.5%$67.33
09/14/202010/09/2020$0.4202.82%2.88%$58.38
06/12/202007/10/2020$0.4102.91%2.98%$54.96
03/13/202004/09/2020$0.4102.81%2.52%$65.10
12/12/201901/10/2020$0.4102.27%2.32%$70.63
09/13/201910/10/2019$0.4102.36%2.68%$61.22
06/13/201907/10/2019$0.3802.37%2.34%$64.82
03/14/201904/10/2019$0.3802.4%2.43%$62.56
12/13/201801/10/2019$0.3800%2.54%$59.95
09/13/201810/10/2018$0.3800%2.54%$59.95
06/14/201807/10/2018$0.3400%2.27%$59.95
03/14/201804/10/2018$0.3400%2.27%$59.95
12/14/201701/10/2018$0.3400%2.27%$59.95
09/14/201710/10/2017$0.3400%2.27%$59.95
06/13/201707/10/2017$0.3200%2.14%$59.95
03/13/201704/10/2017$0.3200%2.14%$59.95
12/13/201601/10/2017$0.3200%2.14%$59.95
09/13/201610/10/2016$0.3200%2.14%$59.95
08/10/201608/12/2016$0.5000%3.34%$59.95
06/13/201607/11/2016$0.3100%2.07%$59.95
03/11/201604/11/2016$0.3100%2.07%$59.95
12/11/201501/11/2016$0.3100%2.07%$59.95
09/11/201510/09/2015$0.3100%2.07%$59.95
06/11/201507/10/2015$0.3000%2%$59.95
03/12/201504/10/2015$0.3000%2%$59.95
12/11/201401/09/2015$0.3000%2%$59.95
09/11/201410/10/2014$0.3000%2%$59.95
06/12/201407/10/2014$0.2800%1.87%$59.95
03/12/201404/10/2014$0.2800%1.87%$59.95
12/12/201301/10/2014$0.2800%1.87%$59.95
09/12/201310/10/2013$0.2800%1.87%$59.95
06/12/201307/10/2013$0.2700%1.8%$59.95
03/13/201304/10/2013$0.2700%1.8%$59.95
12/12/201201/10/2013$0.2700%1.8%$59.95
09/12/201210/10/2012$0.2700%1.8%$59.95
06/13/201207/10/2012$0.2600%1.73%$59.95
03/13/201204/10/2012$0.2600%1.73%$59.95
12/13/201101/10/2012$0.2600%1.73%$59.95
09/13/201110/07/2011$0.2600%1.73%$59.95
06/13/201107/11/2011$0.2400%1.6%$59.95
03/11/201104/11/2011$0.2400%1.6%$59.95
12/13/201001/10/2011$0.2400%1.6%$59.95
09/13/201010/11/2010$0.2400%1.6%$59.95
06/11/201007/09/2010$0.2400%1.6%$59.95
03/11/201004/09/2010$0.2200%1.47%$59.95
12/11/200901/11/2010$0.2200%1.47%$59.95
09/11/200910/09/2009$0.2200%1.47%$59.95
06/11/200907/10/2009$0.2200%1.47%$59.95
03/12/200904/10/2009$0.2200%1.47%$59.95
12/11/200801/09/2009$0.2200%1.47%$59.95
09/11/200810/10/2008$0.2200%1.47%$59.95
06/12/200807/10/2008$0.2100%1.4%$59.95
03/12/200804/10/2008$0.2100%1.4%$59.95
12/12/200701/10/2008$0.2100%1.4%$59.95
09/12/200710/10/2007$0.2100%1.4%$59.95
06/13/200707/10/2007$0.2000%1.33%$59.95
03/13/200704/10/2007$0.2000%1.33%$59.95
12/13/200601/10/2007$0.2000%1.33%$59.95
09/13/200610/10/2006$0.2000%1.33%$59.95
06/13/200607/10/2006$0.1900%1.27%$59.95
03/13/200604/10/2006$0.1900%1.27%$59.95
12/13/200501/10/2006$0.1900%1.27%$59.95
09/13/200510/11/2005$0.1900%1.27%$59.95
06/13/200507/11/2005$0.1800%1.2%$59.95
03/11/200504/11/2005$0.1800%1.2%$59.95
12/13/200401/10/2005$0.1800%1.2%$59.95
09/13/200410/11/2004$0.1800%1.2%$59.95
06/14/200407/09/2004$0.1600%1.07%$59.95
03/11/200404/09/2004$0.1600%1.07%$59.95
12/11/200301/09/2004$0.1600%1.07%$59.95
09/11/200310/10/2003$0.1600%1.07%$59.95
06/12/200307/10/2003$0.1450%0.97%$59.95
03/12/200304/10/2003$0.1450%0.97%$59.95
12/12/200201/10/2003$0.1450%0.97%$59.95
09/12/200210/10/2002$0.1450%0.97%$59.95
06/12/200207/10/2002$0.1350%0.9%$59.95
03/13/200204/10/2002$0.1350%0.9%$59.95
12/12/200101/10/2002$0.1350%0.9%$59.95
09/17/200110/10/2001$0.1350%0.9%$59.95
06/13/200107/10/2001$0.1350%0.9%$59.95
03/13/200104/10/2001$0.1350%0.9%$59.95
12/13/200001/10/2001$0.1350%0.9%$59.95
09/13/200010/10/2000$0.1350%0.9%$59.95
06/13/200007/10/2000$0.1250%0.83%$59.95
03/13/200004/10/2000$0.1250%0.83%$59.95
12/13/199901/10/2000$0.1250%0.83%$59.95
09/13/199910/11/1999$0.1250%0.83%$59.95
06/11/199907/09/1999$0.1150%0.77%$59.95
03/11/199904/09/1999$0.1150%0.77%$59.95
12/11/199801/11/1999$0.1150%0.77%$59.95
09/11/199810/09/1998$0.1150%0.77%$59.95
06/11/199807/10/1998$0.1000%0.67%$59.95
03/12/199804/10/1998$0.1000%0.67%$59.95
12/11/199701/09/1998$0.1000%0.67%$59.95
09/11/199710/10/1997$0.1000%0.67%$59.95
06/12/199707/10/1997$0.0900%0.6%$59.95
03/12/199704/10/1997$0.0450%0.3%$59.95
12/12/199601/10/1997$0.0900%0.6%$59.95
09/12/199610/10/1996$0.0900%0.6%$59.95
06/12/199607/10/1996$0.0830%0.55%$59.95
03/13/199604/10/1996$0.0830%0.55%$59.95
12/13/199501/10/1996$0.0830%0.55%$59.95
09/13/199510/10/1995$0.0750%0.5%$59.95
06/13/199507/10/1995$0.0750%0.5%$59.95
03/09/199503/13/1995$0.0750%0.5%$59.95
12/09/199412/14/1994$0.0680%0.45%$59.95
09/09/199409/14/1994$0.0680%0.45%$59.95
06/09/199406/13/1994$0.0680%0.45%$59.95
03/09/199403/11/1994$0.0630%0.42%$59.95
12/09/199312/13/1993$0.0630%0.42%$59.95
09/09/199309/13/1993$0.0630%0.42%$59.95
06/09/199306/11/1993$0.0630%0.42%$59.95
03/09/199303/11/1993$0.0630%0.42%$59.95
12/09/199212/11/1992$0.0630%0.42%$59.95
09/09/199209/11/1992$0.0630%0.42%$59.95
06/09/199206/11/1992$0.0500%0.33%$59.95
03/10/199203/12/1992$0.0500%0.33%$59.95
12/10/199112/12/1991$0.0480%0.32%$59.95
09/10/199109/12/1991$0.0480%0.32%$59.95
06/10/199106/12/1991$0.0480%0.32%$59.95
03/11/199103/13/1991$0.0480%0.32%$59.95

Projected Future Returns & Dividends for CBU

Based on past 6.4-year performance, here are CBU growth metrics:

Share price CAGR of -0.82%
Dividend CAGR of +4.37%

Using CBU CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

CBU (DRIP)CBU - No DRIP
Current Price$56.87$56.87
Start Shares175.84175.84
Start Value$10,000$10,000
  
After 10 years:
Final Share Count264.75175.84
Dividends Payment$0.71$0.71
Annual Dividends$747$496
Yield on cost7.47%4.96%
Share Price$52.80$52.80
Total Dividends$4,844$3,951
Final Value$13,980$13,236

Estimated Future Value + Dividends - CBU

NOTE: Above numbers are our estimate based on CBU's Dividend and Price CAGR over past 6.4 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Community Bank System, Inc. (CBU) had its IPO on 1985-11-26, and is trader on NYSE stock exchange.

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.

CBU website: https://cbna.com


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