CBU
Bullish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Financial indicators Supports a bullish reading. Current ratio 1.49 · operating margin 27%
- Narrative Supports a bullish reading. Stored narrative reading is in the bullish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 1 193 titres (~75 264,90 $ US)
- Insiders
- Singh SavneetVaccaro John AHall Brenda M
- Total bought
-
$75,265
Avg buy (VWAP, 90d window) $63.09 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) $67.00 vs last close —
- Last activity
- 2026-09-09
- Last synced
-
2026-09-15 09:49:47
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-09 | Singh Savneet | Buy | 400 | $62.47 | $24,988 | Form 4 |
| 2026-08-27 | Vaccaro John A | Buy | 317 | $63.11 | $20,006 | Form 4 |
| 2026-08-24 | Hall Brenda M | Buy | 476 | $63.59 | $30,271 | Form 4 |
| 2026-06-25 | Bolus Mark J. | Sell | 12,191 | $67.00 | $816,786 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bullish signalScored 2026-08-28
CBU presents solid financial health (liquidity score 85, fundamentals trend 75) with improving liquidity ratios and stable profitability, supporting a constructive fundamental backdrop.
The first sentence of the analysis written for CBU on 2026-08-28 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 78.8% | 76.9% | 84.7% | 94.6% | 99.3% | |
| Ebit Margin | 27.2% | 25.2% | 22.3% | 34.2% | 38.1% | |
| Ebitda Margin | 30.2% | 28.2% | 26.0% | 38.5% | 42.8% | |
| Operating Profit Margin | 27.2% | 25.2% | 22.3% | 34.2% | 38.1% | |
| Pretax Profit Margin | 27.2% | 25.2% | 22.3% | 34.2% | 38.1% | |
| Continuous Operations Profit Margin | 20.8% | 19.4% | 17.5% | 26.8% | 29.9% | |
| Net Profit Margin | 20.8% | 19.4% | 17.5% | 26.8% | 29.9% | |
| Bottom Line Profit Margin | 20.7% | 19.3% | 17.4% | 26.7% | 29.9% | |
| Current Ratio | 1.486 | 0.041 | 0.238 | 0.310 | 0.509 | |
| Quick Ratio | 1.486 | 0.041 | 0.238 | 0.310 | 0.509 | |
| Solvency Ratio | 0.016 | 0.014 | 0.012 | 0.015 | 0.016 | |
| Cash Ratio | 1.247 | 0.014 | 0.014 | 0.015 | 0.139 | |
| Price To Earnings Ratio | 14.432 | 17.930 | 21.269 | 18.089 | 21.219 | |
| Price To Earnings Growth Ratio | 0.919 | 0.444 | -0.719 | -21.164 | 1.604 | |
| Forward Price To Earnings Growth Ratio | 0.919 | 0.444 | -0.719 | -21.164 | 1.604 | |
| Price To Earnings Diluted Ratio | 14.469 | 17.930 | 21.269 | 18.194 | 21.402 | |
| Price To Earnings Diluted Growth Ratio | 0.939 | 0.444 | -0.729 | -31.657 | 1.648 | |
| Price To Book Ratio | 1.509 | 1.846 | 1.645 | 2.186 | 1.914 | |
| Price To Sales Ratio | 2.994 | 3.459 | 3.695 | 4.830 | 6.344 | |
| Price To Free Cash Flow Ratio | 12.973 | 14.686 | 13.311 | 16.823 | 21.252 | |
| Price To Operating Cash Flow Ratio | 10.028 | 13.431 | 12.228 | 15.810 | 19.848 | |
| Debt To Assets Ratio | 0.043 | 0.061 | 0.049 | 0.072 | 0.021 | |
| Debt To Equity Ratio | 0.372 | 0.567 | 0.451 | 0.733 | 0.157 | |
| Debt To Capital Ratio | 0.271 | 0.362 | 0.311 | 0.423 | 0.136 | |
| Long Term Debt To Capital Ratio | 0.186 | 0.260 | 0.194 | 0.014 | 0.002 | |
| Financial Leverage Ratio | 8.681 | 9.295 | 9.162 | 10.205 | 7.403 | |
| Working Capital Turnover Ratio | -0.154 | -0.080 | -0.076 | -0.085 | -0.097 | |
| Operating Cash Flow Ratio | 1.248 | 0.018 | 0.017 | 0.015 | 0.015 | |
| Operating Cash Flow Sales Ratio | 0.299 | 0.258 | 0.302 | 0.306 | 0.320 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.773 | 0.915 | 0.919 | 0.940 | 0.934 | |
| Debt Service Coverage Ratio | 0.554 | 0.368 | 0.347 | 0.192 | 0.651 | |
| Interest Coverage Ratio | 1.429 | 1.218 | 1.616 | 10.404 | 18.554 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.248 | 0.638 | 0.639 | 0.192 | 0.624 | |
| Operating Cash Flow Coverage Ratio | 0.404 | 0.243 | 0.299 | 0.189 | 0.614 | |
| Capital Expenditure Coverage Ratio | 4.405 | 11.702 | 12.291 | 16.607 | 15.141 | |
| Dividend Paid And Capex Coverage Ratio | 1.817 | 2.080 | 2.009 | 2.019 | 1.940 | |
| Dividend Payout Ratio | 0.464 | 0.525 | 0.721 | 0.497 | 0.480 | |
| Enterprise Value Multiple | 11.361 | 15.303 | 17.130 | 15.959 | 9.116 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 78.8% | ▲1.9% | ▼-8.1% |
| Ebit Margin | 27.2% | ▲2.1% | ▼-2.1% |
| Ebitda Margin | 30.2% | ▲2.0% | ▼-2.9% |
| Operating Profit Margin | 27.2% | ▲2.1% | ▼-2.1% |
| Pretax Profit Margin | 27.2% | ▲2.1% | ▼-2.1% |
| Continuous Operations Profit Margin | 20.8% | ▲1.4% | ▼-2.1% |
| Net Profit Margin | 20.8% | ▲1.4% | ▼-2.1% |
| Bottom Line Profit Margin | 20.7% | ▲1.4% | ▼-2.1% |
| Current Ratio | 1.486 | ▲1.445 | ▲0.969 |
| Quick Ratio | 1.486 | ▲1.445 | ▲0.969 |
| Solvency Ratio | 0.016 | ▲0.001 | ▲0.001 |
| Cash Ratio | 1.247 | ▲1.233 | ▲0.961 |
| Price To Earnings Ratio | 14.432 | ▼-3.498 | ▼-4.156 |
| Price To Earnings Growth Ratio | 0.919 | ▲0.476 | ▲4.702 |
| Forward Price To Earnings Growth Ratio | 0.919 | ▲0.476 | ▲4.702 |
| Price To Earnings Diluted Ratio | 14.469 | ▼-3.462 | ▼-4.184 |
| Price To Earnings Diluted Growth Ratio | 0.939 | ▲0.495 | ▲6.810 |
| Price To Book Ratio | 1.509 | ▼-0.337 | ▼-0.311 |
| Price To Sales Ratio | 2.994 | ▼-0.465 | ▼-1.270 |
| Price To Free Cash Flow Ratio | 12.973 | ▼-1.712 | ▼-2.836 |
| Price To Operating Cash Flow Ratio | 10.028 | ▼-3.402 | ▼-4.241 |
| Debt To Assets Ratio | 0.043 | ▼-0.018 | ▼-0.006 |
| Debt To Equity Ratio | 0.372 | ▼-0.194 | ▼-0.084 |
| Debt To Capital Ratio | 0.271 | ▼-0.090 | ▼-0.029 |
| Long Term Debt To Capital Ratio | 0.186 | ▼-0.074 | ▲0.055 |
| Financial Leverage Ratio | 8.681 | ▼-0.615 | ▼-0.269 |
| Working Capital Turnover Ratio | -0.154 | ▼-0.073 | ▼-0.055 |
| Operating Cash Flow Ratio | 1.248 | ▲1.230 | ▲0.985 |
| Operating Cash Flow Sales Ratio | 0.299 | ▲0.041 | ▲0.002 |
| Free Cash Flow Operating Cash Flow Ratio | 0.773 | ▼-0.142 | ▼-0.123 |
| Debt Service Coverage Ratio | 0.554 | ▲0.186 | ▲0.131 |
| Interest Coverage Ratio | 1.429 | ▲0.211 | ▼-5.215 |
| Short Term Operating Cash Flow Coverage Ratio | 1.248 | ▲0.609 | ▲0.579 |
| Operating Cash Flow Coverage Ratio | 0.404 | ▲0.162 | ▲0.055 |
| Capital Expenditure Coverage Ratio | 4.405 | ▼-7.298 | ▼-7.624 |
| Dividend Paid And Capex Coverage Ratio | 1.817 | ▼-0.263 | ▼-0.155 |
| Dividend Payout Ratio | 0.464 | ▼-0.061 | ▼-0.074 |
| Enterprise Value Multiple | 11.361 | ▼-3.942 | ▼-2.412 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $3.03B | $3.25B | $2.79B | $3.39B | $4.02B | |
| Enterprise value | $3.47B | $4.06B | $3.37B | $4.32B | $2.48B | |
| EV / Sales | 3.43x | 4.32x | 4.45x | 6.15x | 3.91x | |
| EV / Op. cash flow | 11.50x | 16.76x | 14.74x | 20.13x | 12.22x | |
| EV / Free cash flow | 14.88x | 18.33x | 16.05x | 21.42x | 13.08x | |
| EV / EBITDA | 11.36x | 15.30x | 17.13x | 15.96x | 9.12x | |
| Net debt / EBITDA | 1.46x | 3.04x | 2.92x | 3.43x | -5.69x | |
| Current ratio | 1.49x | 0.04x | 0.24x | 0.31x | 0.51x | |
| Income quality | 1.43x | 1.33x | 1.73x | 1.14x | 1.07x | |
| Graham number | $58 | $51 | $42 | $48 | $55 | |
| Graham net-net | -$286 | -$267 | -$200 | -$183 | -$123 | |
| Tax burden | 76.4% | 77.1% | 78.4% | 78.3% | 78.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $117.5M | -$13.26B | -$10.12B | -$9.85B | -$6.60B | |
| Invested capital | $1.31B | -$12.17B | -$9.05B | -$8.78B | -$5.58B | |
| Return on assets | 1.2% | 1.1% | 0.8% | 1.2% | 1.2% | |
| Operating ROA | 1.6% | 1.5% | 1.1% | 1.5% | 1.6% | |
| Return on tangible assets | 1.3% | 1.2% | 0.9% | 1.3% | 1.3% | |
| Return on equity | 10.5% | 10.4% | 7.8% | 12.1% | 9.0% | |
| Return on invested capital | 1.2% | 6.2% | 5.0% | 7.0% | 7.8% | |
| Return on capital employed | 1.6% | 9.2% | 7.4% | 15.3% | 11.5% | |
| Earnings yield | 7.0% | 5.6% | 4.7% | 5.5% | 4.7% | |
| Free cash flow yield | 7.7% | 6.8% | 7.5% | 5.9% | 4.7% | |
| Capex / Op. cash flow | 22.7% | 8.5% | 8.1% | 6.0% | 6.6% | |
| Capex / Depreciation | 232.9% | 72.2% | 65.6% | 42.5% | 44.4% | |
| Capex / Sales | 6.8% | 2.2% | 2.5% | 1.8% | 2.1% | |
| SG&A / Sales | 32.5% | 33.7% | 39.4% | 38.5% | 39.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 0.9% | 1.2% | 1.1% | 1.0% | |
| Intangibles / Total assets | 5.4% | 5.5% | 5.8% | 5.7% | 5.6% | |
| Days sales outstanding | 21d | 21d | 26d | 27d | 21d | |
| Days payables outstanding | 0d | 0d | 0d | 1290d | 18455d | |
| Operating cycle | 21d | 21d | 26d | 27d | 21d | |
| Cash conversion cycle | 21d | 21d | 26d | -1263d | -18435d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-7.0%EV / Sales ▼-20.4%EV / EBITDA ▼-25.8%EV / Op. cash flow ▼-5.259Earnings yield ▲+0.013Graham number ▲+7.486
Profitability
Return on equity ▲+0.001Return on assets ▲+0.001Return on invested capital ▼-0.050Return on capital employed ▼-0.076Operating ROA ▲+0.001Income quality ▲+0.107Tax burden ▼-0.007
Efficiency
Days sales outstanding ▼-0.241Days payables outstanding n/aOperating cycle ▼-0.241Cash conversion cycle ▼-0.241Capex / Sales ▲+0.046R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+1.445Net debt / EBITDA ▼-1.585Working capital ▲+13375475000.000Invested capital ▲+13479466000.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▼-24.7%EV / Sales ▼-12.1%EV / EBITDA ▲+24.6%EV / Op. cash flow ▼-0.718Earnings yield ▲+0.022Graham number ▲+3.007
Profitability
Return on equity ▲+0.015Return on assets -0.000Return on invested capital ▼-0.066Return on capital employed ▼-0.099Operating ROA -0.000Income quality ▲+0.367Tax burden ▼-0.022
Efficiency
Days sales outstanding ▲+0.168Days payables outstanding ▼-18455.482Operating cycle ▲+0.168Cash conversion cycle ▲+18455.650Capex / Sales ▲+0.047R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.977Net debt / EBITDA ▲+7.147Working capital ▲+6719035000.000Invested capital ▲+6883270000.000Intangibles / Total assets ▼-0.001
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-06-17 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-06-11 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2023-07-12 | Daniel Goldman | Sale (Full) | $15,001 - $50,000 |
Recent news
- 2026-09-08 BPAS Acquires ESOP One, Expanding Employee Ownership and ESOP Capabilities Acquisition strengthens the BPAS ability to support employers, advisors and employee-owners through an integrated ESOP and retirement plan solution UTICA, N.Y., Sept. 8, 2026 /PRNewswire/ -- BPAS, a leading national provider of retirement plans, employee benefits and institutional trust services, today announced the acquisition of ESOP One, an employee ownership technology platform designed to educate and engage participants in Employee Stock Ownership Plans (ESOPs).
- 2026-08-25 7,556,770 Shares in Community Financial System, Inc. $CBU Purchased by BlackRock Inc. BlackRock Inc. bought a new position in Community Financial System, Inc. (NYSE: CBU) in the second quarter, according to the company in its most recent Form 13F filing with the SEC. The fund bought 7,556,770 shares of the bank''s stock, valued at approximately $507,210,000. BlackRock Inc. owned about 14.38% of Community Financial System
- 2026-08-24 Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update NYSE issues a pre-market daily advisory direct from the trading floor. NEW YORK, Aug. 24, 2026 /PRNewswire/ -- The New York Stock Exchange (NYSE) provides a daily pre-market update directly from the NYSE Trading Floor.
- 2026-08-15 Bank of America Corp DE Purchases 19,433 Shares of Community Financial System, Inc. $CBU Bank of America Corp DE raised its position in Community Financial System, Inc. (NYSE: CBU) by 3.4% during the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm owned 598,786 shares of the bank''s stock after buying an additional 19,433 shares during
- 2026-08-07 Community Financial System: Margin Expansion Still Underappreciated By The Market Fixed-asset repricing continues to power healthy margin expansion for Community Financial System (CBU), even as broader interest rates have fallen. CBU''s bond portfolio still only yields around 2.2%. With new loans hitting the book at roughly 6%, repricing dynamics will remain attractive for the foreseeable future. Meanwhile, CBU''s non-interest revenue, much of which is asset based, is being supported by strong financial markets.
- 2026-07-29 Dimensional Fund Advisors LP Raises Stake in Community Financial System, Inc. $CBU Dimensional Fund Advisors LP boosted its stake in Community Financial System, Inc. (NYSE: CBU) by 1.1% in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm owned 1,818,395 shares of the bank''s stock after purchasing an additional 20,428 shares during the
- 2026-07-28 Community Financial System, Inc. (CBU) Q2 2026 Earnings Call Transcript Community Financial System, Inc. (CBU) Q2 2026 Earnings Call Transcript
- 2026-07-28 Community Financial System Q2 Earnings Call Highlights Community Financial System NYSE: CBU reported record second-quarter operating results as net interest income expanded for a ninth consecutive quarter, while executives said insurance revenue remained below expectations amid softer premium markets, lower contingencies and organic-growth challenges.
- 2026-07-28 Community Financial (CBU) Reports Q2 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for Community Financial (CBU) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
- 2026-07-28 Community Financial System (CBU) Q2 Earnings Lag Estimates Community Financial System (CBU) came out with quarterly earnings of $1.16 per share, missing the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $0.97 per share a year ago.