Lumida
/CBU
⌘K
Community Financial System Inc

Community Financial System Inc

CBU
$62.54USD-0.26%-0.16 today

MARKET CAP

3.3B

P/E (TTM)

15.8x

FWD P/E

DAY RANGE

$62 – $63

52W RANGE

$53
$71

AI Summary

Stalk
TrimMedium

CBU remains under pressure below its short-term EMAs and 50-day SMA, with persistent lower highs & lower lows signaling ongoing medium-term bearish momentum. The 200-day SMA is rising and holds the long-term uptrend, but short-term execution readiness is neutral given lack of a clear oversold bounce. We will trim into the 9/20 EMA resistance zone on any rejection rather than initiate new bearish positions at current levels.

  • Q1 2026 revenue of $123.3M (+9% YoY) driven by organic growth.
  • Net interest income hit a record $134.7M (+12.1% YoY) – eighth straight quarterly rise.
  • Aggressive regional competition erodes loan pricing and net interest margins.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$633.7M$702.5M$756.2M$940.7M$1.0B
YoY %+2.7%+10.9%+7.7%+24.4%+7.4%
P / Sales6.4x4.8x3.7x3.5x3.0x
EV / Sales24.7x24.8x21.8x18.8x17.8x
Gross Profit, Adj.$620.6M$679.4M$652.1M$746.3M$818.0M
YoY %+4.1%+9.5%-4.0%+14.4%+9.6%
Margin %97.9%96.7%86.2%79.3%80.9%
EV / Gross Profit25.2x25.7x25.3x23.7x22.0x
EBITDA, Adj.$242.1M$245.0M$168.2M$236.7M$275.4M
YoY %+13.4%+1.2%-31.3%+40.7%+16.3%
Margin %38.2%34.9%22.2%25.2%27.2%
EV / EBITDA64.6x71.2x98.0x74.8x65.5x
EBIT$241.3M$240.3M$168.2M$236.7M$275.4M
YoY %+17.1%-0.4%-30.0%+40.7%+16.3%
Margin %38.1%34.2%22.2%25.2%27.2%
EV / EBIT64.8x72.6x98.0x74.8x65.5x
Net Income$189.7M$187.5M$131.5M$181.7M$209.6M
YoY %+15.6%-1.1%-29.9%+38.2%+15.3%
Net Margin29.9%26.7%17.4%19.3%20.7%
EPS (GAAP)$3.48$3.46$2.45$3.44$3.97
YoY %+13.0%-0.6%-29.2%+40.4%+15.4%