📊 CBU Key Takeaways
Investment Thesis
Community Financial System demonstrates solid fundamental performance with strong revenue growth of 17% YoY and healthy profitability margins (25.7% net margin). The company maintains a conservative capital structure with a 0.49x debt-to-equity ratio and generates substantial free cash flow of $233.3M, indicating robust operational efficiency and cash generation capability.
CBU Strengths
- Strong revenue growth of 17% YoY indicates market expansion and operational momentum
- Excellent free cash flow generation of $233.3M with 28.5% FCF margin demonstrates cash conversion efficiency
- Conservative leverage at 0.49x debt-to-equity provides financial flexibility and stability
- Healthy net profit margin of 25.7% and operating margin of 33.7% show strong cost control
- Operating cash flow of $301.9M exceeds net income, indicating quality earnings
CBU Risks
- Weak interest coverage ratio of 1.4x suggests limited cushion to service debt obligations
- ROA of 1.2% is relatively modest for banking sector, indicating lower asset efficiency
- ROE of 10.5% is moderate and below typical banking sector benchmarks
- High insider trading activity (35 Form 4 filings in 90 days) warrants monitoring for insider sentiment
- Long-term debt of $990.2M represents significant obligations relative to equity base
Key Metrics to Watch
- Interest coverage ratio trend - currently thin at 1.4x
- Net interest margin and loan portfolio growth sustainability
- Capital expenditure trends and asset quality metrics
- Return on equity trajectory toward sector averages
- Insider buying/selling patterns and insider confidence indicators
CBU Financial Metrics
💡 AI Analyst Insight
The 28.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CBU Profitability Ratios
CBU vs Finance Sector
How COMMUNITY FINANCIAL SYSTEM, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CBU Balance Sheet & Liquidity
CBU 5-Year Financial Trend
5-Year Trend Summary: COMMUNITY FINANCIAL SYSTEM, INC.'s revenue has shown modest growth of 10% over the 5-year period. The most recent EPS of $2.45 reflects profitable operations.
CBU Growth Metrics (YoY)
CBU Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $188.9M | $43.9M | $0.83 |
| Q2 2025 | $183.8M | $47.9M | $0.91 |
| Q1 2025 | $177.3M | $40.9M | $0.76 |
| Q3 2022 | $200.0K | $45.3M | $0.83 |
| Q2 2022 | $300.0K | $39.8M | $0.73 |
| Q1 2022 | $300.0K | $47.1M | $0.86 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CBU Capital Allocation
CBU SEC Filings
Access official SEC EDGAR filings for COMMUNITY FINANCIAL SYSTEM, INC. (CIK: 0000723188)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CBU
What is the AI rating for CBU?
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CBU's key strengths?
Strong revenue growth of 17% YoY indicates market expansion and operational momentum. Excellent free cash flow generation of $233.3M with 28.5% FCF margin demonstrates cash conversion efficiency.
What are the risks of investing in CBU?
Weak interest coverage ratio of 1.4x suggests limited cushion to service debt obligations. ROA of 1.2% is relatively modest for banking sector, indicating lower asset efficiency.
What is CBU's revenue and growth?
COMMUNITY FINANCIAL SYSTEM, INC. reported revenue of $818.0M.
Does CBU pay dividends?
COMMUNITY FINANCIAL SYSTEM, INC. pays dividends, with $97.6M distributed to shareholders in the trailing twelve months.
Where can I find CBU SEC filings?
Official SEC filings for COMMUNITY FINANCIAL SYSTEM, INC. (CIK: 0000723188) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CBU's EPS?
COMMUNITY FINANCIAL SYSTEM, INC. has a diluted EPS of $3.97.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.