TORVANTA
Other · S&P 500 · data as of 2026-10-05

CBU stock analysis: CBU

CBU (CBU) is an S&P 500 company in Other.

The model's view of CBU · subscribers

Where CBU ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with CBU · updated 2026-10-05 · from prices and SEC filings

CBU price performance

CBU against the S&P 500, one year
-10%+0%+10%+20%S&P 500 +18%CBU +5%2025-09-292026-10-05
Year to date+7.1%S&P 500 +14.5% · behind by 7.4 pts
1 year+5.5%S&P 500 +17.0% · behind by 11.5 pts
3 years+56.9%S&P 500 +89.3% · behind by 32.4 pts
5 years-0.4%S&P 500 +91.3% · behind by 91.7 pts

Total returns with dividends reinvested.

CBU factor grades

Each grade compares CBU with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

B-ValueP/E 14.0x (industry 20.1x)FCF yield 7.8% (industry 6.0%)
B-GrowthRevenue growth +10% (industry +8%)EPS growth +17% (industry +10%)
BProfitability
C+Momentum12-month change +6%From 52-wk high -15%

CBU key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$3.2B
Revenue growth (y/y)+10%
Free-cash-flow yield7.8%
Dividend yield3.2%
Next earnings (expected)2026-10-20
Valuation measures
Market value$3.2B
Enterprise value$2.9B
P/E (trailing)14.0x
Forward P/E (Torvanta estimate)12.9x
PEG (Torvanta estimate)1.63
Price / sales3.7x
Price / book1.5x
EV / revenue3.4x
Financial highlights
Revenue, last 12 months$858.9M
Net income, last 12 months$228.1M
EPS, last 12 months (GAAP)$4.31
Net margin26.6%
Return on equity11.5%
Cash$258.2M
Free cash flow, last 12 months$246.7M

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

CBU earnings trends

Revenue vs earnings
$0$55.8M$111.6M$167.4M$223.2MSep 2024 Revenue: $188.9MDec 2024 Revenue: $196.3MMar 2025 Revenue: $196.2MJun 2025 Revenue: $199.3MSep 2025 Revenue: $207.1MDec 2025 Revenue: $215.5MMar 2026 Revenue: $213.3MJun 2026 Revenue: $223.2MSep 2024 Net income: $43.9MDec 2024 Net income: $49.8MMar 2025 Net income: $49.6MJun 2025 Net income: $51.3MSep 2025 Net income: $55.1MDec 2025 Net income: $54.4MMar 2026 Net income: $57.2MJun 2026 Net income: $61.3MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Net margin: 23.2%Net margin: 25.4%Net margin: 25.3%Net margin: 25.8%Net margin: 26.6%Net margin: 25.3%Net margin: 26.8%Net margin: 27.5%0%14%27%■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$0.3$0.6$0.9$1.2Sep 2024 EPS (GAAP, diluted): $0.8Dec 2024 EPS (GAAP, diluted): $0.9Mar 2025 EPS (GAAP, diluted): $0.9Jun 2025 EPS (GAAP, diluted): $1.0Sep 2025 EPS (GAAP, diluted): $1.0Dec 2025 EPS (GAAP, diluted): $1.0Mar 2026 EPS (GAAP, diluted): $1.1Jun 2026 EPS (GAAP, diluted): $1.2Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +25% · Dec 2025 +10% · Mar 2026 +16% · Jun 2026 +20%

From the company's 10-Q and 10-K filings with the SEC.

CBU financials (from SEC filings)

Fiscal yearFY2022FY2024FY2025
Revenue$679.4M$746.3M$818.0M
Net income$188.1M$182.5M$210.5M
EPS (GAAP)$3.46$3.44$3.97
Free cash flow$201.7M$221.6M$233.3M

CBU earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-28$1.16+20%+12%-1.9%
2026-04-29$1.08+16%+9%-0.7%
2026-01-27$1.03+10%+10%-1.5%
2025-10-21$1.04+25%+10%+1.1%
2025-07-22$0.97+7%+8%-5.2%
2025-04-29$0.93+22%+11%-2.6%

About CBU

HeadquartersSyracuse, NY
Industry (SEC code)National Commercial Banks
Fiscal year endsDecember 31
Incorporated inDE
Listed onNYSE
FormerlyCOMMUNITY BANK SYSTEM, INC., COMMUNITY BANK NA, a subsidiary of Community Bank System Inc, COMMUNITY BANK NA, a subsidiary of Community Bank System Inc., COMMUNITY BANK SYSTEM INC

From the company's SEC registration record.

Companies similar to CBU

CompanyMarket valueP/ERevenue growthOperating margin12-month change
CBU CBU$3.2B14.0x+10%n/a+6%
PPLI PPLI$3.2B9.3x-32%-9.0%+21%compare
FA FA$3.2B131.2x+33%10.7%+17%compare
KAI KAI$3.2B28.7x+13%15.0%-12%compare
COCO COCO$3.2B30.6x+26%19.1%+30%
RCUS RCUS$3.2Bn/a-55%n/a+85%
ASH ASH$3.1B65.5x-1%7.4%+45%

All Other stock ratings

Frequently asked questions

Is CBU stock a buy?

Torvanta does not tell individuals what to buy. Its grades for CBU are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is CBU's P/E ratio?

CBU trades at about 14.0 times its last 12 months of GAAP earnings reported to the SEC, and about 12.9 times Torvanta's own estimate of the next 12 months.

When does CBU report earnings next?

Based on its filing history, Torvanta expects CBU to report around 2026-10-20.

Does CBU pay a dividend?

Yes. Its dividend yield is about 3.2%, and it has raised its dividend 30 years in a row.

How has CBU performed against the S&P 500?

Over the past year CBU returned +5.5%, against +17.0% for the S&P 500, dividends reinvested.

See the model's view

Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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