COMMUNITY FINANCIAL SYSTEM, INC.(CBU)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CBU at 60.4/100 on a 32-signal composite quality model, placing it at rank #859 of 2,962 stocks — the top half of the AI-ranked universe. CBU scores in the top quartile across profitability (86.9), free cash flow (82.5). Shareholder dilution risk is elevated at 49.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), COMMUNITY FINANCIAL SYSTEM, INC. reports quarterly revenue of $219.8M, net income of $61.3M, an operating margin of 36.8%. Top institutional holders of CBU by reported 13-F value include BlackRock, FMR, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. CBU trades on the NYSE exchange and files with the SEC under CIK 723188. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CBU daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for COMMUNITY FINANCIAL SYSTEM, INC. directly from SEC EDGAR.
AI Quality Score
60.4/100
AI Rank
#859
Revenue
$219.8M
Net Income
$61.3M
Free Cash Flow
$41.4M
Operating Margin
36.8%
CBU key financials by period
COMMUNITY FINANCIAL SYSTEM, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$823.0M
$210.5M
33.5%
FY 2024
10-K
$750.5M
$182.5M
31.5%
FY 2023
10-K
$708.9M
$131.9M
23.7%
FY 2022
10-K
$683.9M
$188.1M
35.1%
FY 2021
10-K
$620.6M
$189.7M
38.9%
FY 2020
10-K
$596.8M
$164.7M
34.5%
Institutions holding CBU
Institutional investors reporting a position in COMMUNITY FINANCIAL SYSTEM, INC. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income rose 19.5% YoY to $61.3 million ($1.16 diluted EPS) as net interest margin expanded 19bps to 3.49% (FTE) on higher loan yields and lower deposit costs.
Biggest Revenue Drivers
Banking and Corporate$160.3M+11.1% YoY
Driven by net interest income growth and higher banking noninterest revenues including deposit fees and debit interchange.
Employee Benefit Services$35.0M+6.7% YoY
Revenue growth in recordkeeping and third-party administration due in part to acquisitions and higher average market values of assets under administration.
Biggest Revenue Drivers
Total revenue: $223.2M+12.0% YoY
Banking and Corporate$160.3M+11.1% YoY
Driven by net interest income growth and higher banking noninterest revenues including deposit fees and debit interchange.
Employee Benefit Services$35.0M+6.7% YoY
Revenue growth in recordkeeping and third-party administration due in part to acquisitions and higher average market values of assets under administration.
Insurance Services$13.2M-1.4% YoY
Decrease primarily due to lower contingent commission revenues.
Wealth Management Services$10.4M+12.4% YoY
Higher average market values of assets under management and revenue from the ClearPoint acquisition completed in the quarter.
Largest Expense Items
Salaries and employee benefits$82.4M+4.3% YoY
Incremental costs from acquisitions and de novo bank branches opened between periods, plus annual merit-based increases.
Data processing and communications$19.7M+17.9% YoY
Reflects continued investment in customer-facing and back-office technologies, including artificial intelligence applications.
Occupancy and equipment$13.9M+20.9% YoY
Incremental costs from opening de novo bank branches and regional headquarters and the Santander branch acquisition.
Margins: Net interest margin (FTE, non-GAAP) rose 19 bps YoY to 3.49% as loan yields increased and the cost of interest-bearing liabilities fell 18 bps; the efficiency ratio improved to 61.7% from 64.8% as revenue growth outpaced expense growth.
Watch Items from the Filing
DOL filed an ERISA breach-of-fiduciary-duty complaint against subsidiary Hand Benefits & Trust on June 25, 2026; the Company deems a loss reasonably possible but not probable and has recorded no accrual.
Non-owner occupied CRE exposure (including multifamily) equals 16% of total assets, 25% of total loans, and 201% of total bank-level regulatory capital.
Estimated uninsured deposits, net of collateralized and intercompany balances, were approximately $2.82 billion, though liquidity sources cover roughly 239% of that amount.
On August 3, 2026 (subsequent event) the Company sold $296.8 million of lower-yielding AFS Treasuries at a $3.0 million realized loss to repay overnight borrowings, expected to be accretive to net interest income with a ~0.4 year earn-back.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
