Community Bank System Overview
Industry: Banks Regional
Sector: Financial Services
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 interest and noninterest -bearing 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 check credit 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 services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. 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 insurance and advisory products, as well as master recordkeeping services. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York. 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 offe Read MoreMavefund brings filings, fundamentals, valuation, price history and news for Community Bank System into one research view. The sections below show what strengthens or weakens the research case.
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Reported Results
What the company reported, with filing details kept small.
Quarterly result summary
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Earnings release
Open filing
Source: SEC EDGAR company-filed earnings materials. Dates are shown only for verification; review the source filing before relying on extracted report details.
Other recent earnings materials
SEC filing
10-Q
May 08, 2026
SEC filing
FORM 8-K
Apr 29, 2026
SEC filing
10-K
Feb 27, 2026
Earnings release
EXHIBIT 99.1
Jan 27, 2026
SEC filing
FORM 8-K
Jan 27, 2026
SEC filing
10-Q
Nov 06, 2025
Earnings release
EXHIBIT 99.1
Oct 21, 2025
SEC filing
FORM 8-K
Oct 21, 2025
SEC filing
10-Q
Aug 08, 2025
Earnings material
EXHIBIT 99.1
Jul 22, 2025
SEC filing
FORM 8-K
Jul 22, 2025
Prediction-grade evidence
Recent News
Company-relevant articles from sources that pass the Mave Signal relevance and reliability checks.
Community Financial System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 34th Consecutive Year of Dividend Increases
Headline from Business Wire: Community Financial System, Inc. Announces Increase to Its Quarterly Dividend Resulting in Its 34th Consecutive Year of Dividend Increases.
Community Financial System (CBU) Reports Next Week: Wall Street Expects Earnings Growth
Headline from Yahoo Finance: Community Financial System (CBU) Reports Next Week: Wall Street Expects Earnings Growth.
Community Bank System Inc stock hits 52-week high at 69.26 USD
Headline from Investing.com: Community Bank System Inc stock hits 52-week high at 69.26 USD.
Earnings Per Share
Score 2.00/5
Community Bank System earns a low score, as its Earnings Per Share (EPS) has not shown continuous growth over the last six years. Notable counterparts in the sector with high scores includes
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
In
Banks Regional industry
, Pathward Financial Inc
, The Bancorp Inc
, Axos Financial
are companies with high ratings.
Return on Equity
Score 3.58/5
Community Bank System stands out with a superior score in the Return on Equity (ROE) section, surpassing the sector median value and showcasing its strong performance in this metric. The top companies in the same sector include
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
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Net Margin
Score 4.26/5
Community Bank System
commands a high score, propelled by its net margin consistently outpacing the sector median value and exhibiting continuous growth in recent six years; noteworthy counterparts in the sector, boasting similarly high scores, include
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
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Leverage
Score 2.24/5
Community Bank System
registers a lower score in the category as a result of its elevated leverage ratio over the past six years compared to the sector median value. Conversely, other companies in the same sector, including
Aflac Inc
Pathward Financial Inc
T. Rowe Price Group Inc
have achieved high scores.
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Financial Statements
Company-reported SEC EDGAR facts organized into the three core statements.
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Source: SEC EDGAR companyfacts. Values are standardized company filings for research support, not personalized financial advice.
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