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Community Financial System Stock Price, News & Analysis

CBU NYSE

Company Description

Overview

Community Financial System Inc (CBU) is a diversified financial services company that operates across multiple business segments including banking services, wealth management, financial planning, employee benefit services, and insurance. Headquartered in Dewitt, New York, in the vicinity of Syracuse, the company has established a robust presence throughout upstate New York with a comprehensive network of branches and customer facilities. The institution plays a significant role in its regional market by offering an integrated suite of financial products and advisory services, which are designed to meet the diverse needs of retail, commercial, institutional, and governmental clients.

Business Segments and Operations

The company organizes its operations into four primary segments:

  • Banking and Corporate Services: At its core, the bank provides a full range of traditional banking solutions including deposit products, loan offerings, and cash management services designed to support community development and regional economic growth.
  • Employee Benefit Services: Through its dedicated subsidiary, the company administers employee benefits and consulting services, facilitating strategic benefits planning and employee wellness programs for businesses.
  • Insurance Services: Its insurance arm offers a variety of risk management and insurance solutions, tailoring offerings to the needs of local communities while maintaining a commitment to regulatory compliance and responsible lending.
  • Wealth Management Services: Under this segment, the company delivers comprehensive financial planning, trust administration, investment advisory and brokerage services, ensuring personalized strategies that cater to long-term wealth preservation and accumulation.

Integrated Financial Solutions

The company differentiates itself by leveraging an integrated approach to financial services. By combining multiple lines of service under one corporate umbrella, it provides customers with seamless transitions between various financial needs. For example, a small business owner may benefit from not only routine banking services but also employee benefit consultations and tailored insurance programs. Similarly, individual investors gain access to wealth management and trust services through a coordinated network of financial advisors and investment professionals.

Subsidiaries and Extended Capabilities

Community Financial System Inc extends its market reach and operational expertise through several key subsidiaries. These include an employee benefits administration and consulting firm with offices spanning several major regions, an insurance agency delivering specialized products to select northern communities, a broker-dealer offering a suite of financial products across its branch network, and an advisory firm dedicated to wealth management services. This diversified structure not only amplifies its service capabilities but also fosters synergies that contribute to a robust business model.

Market Position and Competitive Landscape

Operating predominantly in upstate New York, the company has solidified its position as a trusted community bank while serving as a comprehensive financial hub for its clients. Its competitive advantages stem from a deep-rooted commitment to community-centric financial solutions, localized expertise, and a diversified suite of services that collectively mitigate market challenges. The company’s operational approach emphasizes tailored solutions, regulatory compliance, and risk management, setting it apart from competitors whose offerings may be more narrowly focused or less integrated.

Commitment to Customer-Centric Service

At the heart of Community Financial System Inc is a dedication to a customer-first philosophy. Clients benefit from a personalized approach where financial solutions are custom-fit to individual needs. The company leverages a mix of traditional in-person consultations and modern digital enhancements to deliver both convenience and depth in financial advice. This blend of personalized service and strategic industry expertise helps it sustain a loyal customer base and fulfill its mission of fostering financial stability and growth in the communities it serves.

Expertise and Industry Insights

The company’s broad operational scope is supported by a rigorous risk management framework and a commitment to regulatory adherence. Its seasoned management team and experienced professionals infuse industry-specific insights into every facet of its services. By continually evolving its practices and leveraging analytical data, Community Financial System Inc demonstrates a high level of expertise in areas ranging from credit analysis to investment strategy and employee benefits optimization. This informed perspective ensures that it not only meets current financial needs but is also positioned as a knowledgeable and responsive institution in an ever-changing economic landscape.

Strategic Overview

Overall, Community Financial System Inc offers a comprehensive model that integrates various financial services into a cohesive, client-focused experience. Its strong regional presence combined with diversified service offerings solidifies its importance as an adaptable financial entity capable of catering to both individual and business financial requirements. The operational strategy is built on a foundation of trust, extensive local knowledge, and thorough industry expertise, making it a distinct organization in the regional banking and financial services sector.

Stock Performance

$55.23
0.00%
0.00
Last updated: April 27, 2025 at 16:00
17.24 %
Performance 1 year
$2.8B
Market Cap
52.8M
Shares outstanding

SEC Filings

No SEC filings available for Community Financial System.

Financial Highlights

$746,303,000
Revenue (TTM)
$182,481,000
Net Income (TTM)
$3.44
Diluted EPS (TTM)
$242,276,000
Operating Cash Flow
24.45%
Net Profit Margin
31.72%
Oper. Profit Margin

Upcoming Events

June 13, 2025
Dividend record date
July 10, 2025
Dividend payment
April 29, 2025
Q1 2025 earnings release
April 29, 2025
Q1 2025 earnings call

Frequently Asked Questions

What is the current stock price of Community Financial System (CBU)?

The current stock price of Community Financial System (CBU) is $55.23 as of April 25, 2025.

What is the market cap of Community Financial System (CBU)?

The market cap of Community Financial System (CBU) is approximately 2.8B.

What is the revenue (TTM) of Community Financial System (CBU) stock?

The trailing twelve months (TTM) revenue of Community Financial System (CBU) is $746,303,000.

What is the net income of Community Financial System (CBU)?

The trailing twelve months (TTM) net income of Community Financial System (CBU) is $182,481,000.

What is the earnings per share (EPS) of Community Financial System (CBU)?

The diluted earnings per share (EPS) of Community Financial System (CBU) is $3.44 on a trailing twelve months (TTM) basis.

What is the operating cash flow of Community Financial System (CBU)?

The operating cash flow of Community Financial System (CBU) is $242,276,000.

What is the profit margin of Community Financial System (CBU)?

The net profit margin of Community Financial System (CBU) is 24.45%.

What is the operating margin of Community Financial System (CBU)?

The operating profit margin of Community Financial System (CBU) is 31.72%.

What is the current ratio of Community Financial System (CBU)?

The current ratio of Community Financial System (CBU) is 1.12, indicating the company's ability to pay short-term obligations.

What is the operating income of Community Financial System (CBU)?

The operating income of Community Financial System (CBU) is $236,705,000.

What are the core business segments of Community Financial System Inc (CBU)?

The company operates across four primary segments: Banking and Corporate Services, Employee Benefit Services, Insurance Services, and Wealth Management Services. Each segment is designed to cater to diverse customer financial needs in a cohesive and integrated manner.

How does CBU serve its regional market?

Operating predominantly in upstate New York, CBU leverages a network of branches and specialized subsidiaries to deliver traditional banking as well as comprehensive financial solutions. Its community-centric approach ensures tailored services for both individual and commercial clients.

What differentiates CBU from other financial institutions in its region?

CBU distinguishes itself through its diversified service offerings and integrated operational model. The seamless combination of banking, employee benefits, insurance, and wealth management services provides customers with a holistic financial experience that few competitors offer.

How does Community Financial System Inc approach wealth management?

The company offers a robust wealth management division that encompasses financial planning, trust administration, investment advisory, and brokerage services. This comprehensive service ensures that clients receive personalized strategies aimed at long-term wealth preservation and growth.

What role do subsidiaries play in CBU’s business model?

Subsidiaries extend CBU's capabilities by offering specialized services such as employee benefits administration, insurance solutions, broker-dealer services, and wealth management advisory. This diversified structure strengthens the overall business model and enhances customer service.

Who are the typical clients serviced by CBU?

CBU caters to a wide range of clients including retail customers, small and medium-sized businesses, institutional entities, and government organizations. Its suite of services is designed to meet diverse financial needs through personalized and integrated solutions.

How does CBU maintain industry expertise and trust?

The company employs a team of seasoned professionals and financial experts who bring deep industry insights to its operations. Its commitment to regulatory compliance, risk management, and customer-centric services reinforces trust and demonstrates its authoritative position in the sector.

What are the main advantages of CBU's integrated financial services model?

By offering a full spectrum of financial services under one roof, CBU provides seamless transitions between banking, wealth management, insurance, and employee benefits. This integration not only simplifies the customer experience but also leverages cross-segment synergies to enhance overall service quality.