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CBU Stock Forecast: Community Financial System, Inc. Price Predictions for 2026-2027

Last close, 11 Sept 2026
$63
−0.26% on the day

The 6 Wall Street analysts covering Community Financial System, Inc. hold a median 12-month price target of $70 — +11.1% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 45 of 100 as at 12 Sept 2026 — in the lower half.

Market cap
$3.3B
Ticker Nerd rank
45 / 100
Median analyst target
$70
Analysts covering
6
Revenue$223.6M+12.2% y/y
Net income$61.3M
Free cash flow$41.4M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−1.5%
1M
−3.6%
YTD
+10.5%
1Y
+8.2%
From 52W high
−11.9%
From 52W low
+19.2%
$52
$71
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

CBU stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Community Financial System, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 12 Sept 2026
45 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Issuance
86
Growth
76
Quality
75
Momentum
55
Volatility
45
Revisions
43
Size
29
Accruals
25
Value
17

Issuance (86): The share count has been shrinking and the company is not leaning on new borrowing.

Value (17): The shares cost a lot relative to the profits and assets behind them.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

CBU stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CBU, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$55$60$65$70$75Oct 25Jan 26Apr 26Jul 26CBUHigh $75Median $70Low $68

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says6 analysts
1 Buy5 Hold0 Sell
Low $68Median $70High $75

The green dot is the last close — the median target sits +11.1% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 2 moved their price target up and 1 moved it down.

DateFirmActionRatingTarget
3 Aug 2026Piper SandlerMaintainsNeutral$66 → $71
30 July 2026Keefe, Bruyette & WoodsMaintainsMarket Perform$70 → $68
30 Apr 2026Piper SandlerMaintainsNeutral—
30 Apr 2026Piper SandlerMaintainsNeutral$62 → $66
25 Feb 2026DA DavidsonInitiatesNeutral—
13 Jan 2026Janney Montgomery ScottDowngradeNeutral—
3 Dec 2025Piper SandlerAssumesNeutral$62
23 Oct 2025Keefe, Bruyette & WoodsReiteratesMarket Perform—
23 July 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
22 Jan 2025Keefe, Bruyette & WoodsMaintainsMarket Perform—
5 Dec 2024Piper SandlerAssumesNeutral$70
4 Dec 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
28 Oct 2024Raymond JamesUpgradeStrong Buy—
10 Sept 2024Keefe, Bruyette & WoodsMaintainsMarket Perform—
14 Mar 2024DA DavidsonMaintainsNeutral—
5 Jan 2024Raymond JamesMaintainsOutperform—
25 Oct 2023Piper SandlerMaintainsUnderweight—
25 Oct 2023Raymond JamesMaintainsOutperform—
1 Aug 2023Raymond JamesMaintainsOutperform—
28 June 2023Hovde GroupUpgradeOutperform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. CBU appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

CBU vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 11 Sept 2026, Community Financial System, Inc. returned +8.2% against +17.5% for the S&P 500, dividends included.

CBU vs S&P 500, last 12 monthsTotal return, rebased to 100
9095100105110115120125Oct 25Jan 26Apr 26Jul 26CBUS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

CBU analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
−4.2%
Analysts raising
1
Analysts cutting
5
Fundamentals

Community Financial System, Inc. (CBU) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
14.5×

Cheaper than 47% of US stocks

Price / sales
3.9×

Cheaper than 32% of US stocks

Price / book
1.6×

Cheaper than 53% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
12.0%

Higher than 57% of US stocks

Earnings growth (YoY)
19.5%

Higher than 58% of US stocks

Gross margin
—
Operating margin
39.2%

Higher than 91% of US stocks

Net margin
27.2%

Higher than 87% of US stocks

Returns & dividend
Return on equity
11.5%

Higher than 67% of US stocks

Return on assets
1.3%

Higher than 53% of US stocks

Dividend yield
3.0%

Higher than 64% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Community Financial System, Inc. (CBU) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Community Financial System, Inc. has a market value of $3.3B and an enterprise value of $3.8B.

  • Revenue in the twelve months to 30 June 2026: $860.0M. The latest quarter grew 12.0% year on year.

  • Net income over the same four quarters: $228.1M, a 26.5% net margin.

  • Diluted earnings per share, trailing twelve months: $4.31.

  • Free cash flow in the twelve months to 30 June 2026: $246.7M.

  • Community Financial System, Inc. spent $27.2M on share buybacks and $98.6M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 52.6M.

  • Trailing P/E: 14.5×; forward P/E: 12.1× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.01%, paying out 44% of earnings.

  • Community Financial System, Inc. employs 2,853 people — $301K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 13 Sept 2026

Data provided by Twelve Data

Peers

CBU vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
CBUCommunity Financial System, Inc.$3.3B
45
SBCFSeacoast Banking Corp. of Florida$3.3B
29
BKUBankUnited, Inc.$3.3B
48
SFNCSimmons First National Corp.$3.4B
20
PRKPark National Corp.$3.4B
63
FFBCFirst Financial Bancorp (Ohio)$3.4B
50
FHBFirst Hawaiian, Inc.$3.2B
69

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Community Financial System, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest CBU news & analysis

BPAS Acquires ESOP One, Expanding Employee Ownership and ESOP Capabilities

PRNewsWire · 8 Sept 2026neutral

BPAS, a national provider of retirement plans, employee benefits and institutional trust services, announced the acquisition of ESOP One, an employee ownership technology platform that educates and engages participants in Employee Stock Ownership Plans. The acquisition integrates ESOP capabilities with BPAS's retirement plan solutions to better support employers, advisors and employee-owners.

Why it matters — CBU watchers would care because one of the Community Financial System's businesses, BPAS, is expanding its retirement and employee benefit service offerings through this acquisition.

Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update

PRNewsWire · 24 Aug 2026neutral

The NYSE issued a daily pre-market advisory directly from its trading floor. The update references the business rewards platform PayRewards launching in the U.S. and appears to be part of routine pre-market communications.

Why it matters — A CBU watcher would be interested because this NYSE pre-market advisory signals routine market activity and a new U.S. rewards platform launch that could relate to the financial services sector.

Community Financial System: Margin Expansion Still Underappreciated By The Market

Seeking Alpha · 7 Aug 2026positive

Seeking Alpha reports that Community Financial System (CBU) continues to benefit from healthy margin expansion driven by fixed-asset repricing, even as broad interest rates have fallen. The company's bond portfolio still yields around 2.2%, while new loans are being booked at roughly 6%, and asset-based non-interest revenue is supported by strong financial markets.

Why it matters — CBU watchers would care because the article suggests the company's ongoing loan repricing and supportive market-driven fee income could keep boosting its margins in the foreseeable future.

Community Financial System, Inc. (CBU) Q2 2026 Earnings Call Transcript

Seeking Alpha · 28 July 2026neutral

Community Financial System, Inc. (CBU) held its Q2 2026 earnings call, with the transcript of the call published by Seeking Alpha.

Why it matters — The earnings call transcript provides CBU watchers with management's perspective on the company's quarterly financial performance and outlook.

Community Financial System Q2 Earnings Call Highlights

MarketBeat · 28 July 2026neutral

Community Financial System (CBU) reported record second-quarter operating results, with net interest income expanding for a ninth consecutive quarter. However, insurance revenue remained below expectations due to softer premium markets, lower contingencies and organic-growth challenges.

Why it matters — The quarter reflects a mixed picture for CBU, with a record in operating results and sustained net interest income growth offset by persistent weakness in the insurance revenue line.

FAQ

Frequently asked questions about CBU stock

What is the CBU stock price forecast for 2026-2027?

The 6 Wall Street analysts covering Community Financial System, Inc. have a median 12-month price target of $70, with estimates ranging from $68 to $75. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is CBU stock a buy right now?

Of the 6 analysts covering Community Financial System, Inc., 1 rate it a Buy, 5 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Community Financial System, Inc. 45 out of 100 across roughly 4,600 US stocks as at 12 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CBU?

As at 12 Sept 2026, Community Financial System, Inc. ranks 45 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (86 of 100).

Will CBU stock go up?

No one can know that. What the data says: the median 12-month target from 6 analysts implies +11.1% from the last close, and Ticker Nerd's factor model ranks Community Financial System, Inc. 45 out of 100 as at 12 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the CBU stock forecast for 2030?

No analyst covering Community Financial System, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CBU are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $68 to $75 over the next 12 months.

How has CBU stock performed over the past year?

Community Financial System, Inc. returned +8.2% over the 12 months to 11 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Community Financial System, Inc. do?

Community Financial System, Inc. is a diversified financial services holding company headquartered in DeWitt, New York.

What is the latest news on CBU?

The most recent item we track (PRNewsWire, 8 Sept 2026): "BPAS Acquires ESOP One, Expanding Employee Ownership and ESOP Capabilities". BPAS, a national provider of retirement plans, employee benefits and institutional trust services, announced the acquisition of ESOP One, an employee ownership technology platform that educates and engages participants in Employee Stock Ownership Plans. The acquisition integrates ESOP capabilities with BPAS's retirement plan solutions to better support employers, advisors and employee-owners.

Company

About Community Financial System, Inc.

Community Financial System, Inc. is a diversified financial services holding company headquartered in DeWitt, New York. Its core operations are organized around banking services, employee benefit services, insurance services, and wealth management services, allowing it to serve retail, commercial, institutional, and municipal clients. Through Community Bank, N.A., the company provides deposit accounts, lending solutions, treasury and cash management services, and other everyday banking products. Its benefit services business supports retirement plan administration, fiduciary services, and related employee benefit solutions, while its insurance and wealth management units offer risk management, financial planning, trust administration, and investment services. Community Financial System, Inc. plays an important role in regional banking and advisory services, combining traditional banking with fee-based financial services for customers across multiple markets.

CEO Mr. Dimitar A. Karaivanov · 2,853 employees · United States · https://ir.cfsi.com