Community Financial System, Inc.
Financials
Valuation Metrics
Community Financial System, Inc.'s Market Cap is $3.50B. At end of 2025 it was $3.22B. Ranked #1656 of 3,112 in US market (top 53%), #1066 of 1,667 on NYSE (top 64%), #105 of 249 in Banks (top 42%) by Market Cap.
Investment Metrics(as of 2026-08-03)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $3.50B | US#1,656/3,112 Sec#105/249 |
| Revenue | $1.03B | US#1,921/3,112 Sec#110/249 |
| Net Income | $218M | US#1,233/3,112 Sec#110/249 |
| Total Assets | $17.74B | US#665/3,112 Sec#112/249 |
| Net Assets | $2.02B | US#1,239/3,112 Sec#113/249 |
| Employees | 2,853 | US#1,020/3,112 Sec#47/249 |
| Value | ||
| P/E | 16.03x | US#750/3,112 Sec#174/249 |
| P/B | 1.73x | US#1,005/3,112 Sec#189/249 |
| PEG | 1.05x | US#835/3,112 Sec#148/249 |
| P/S | 3.41x | US#1,906/3,112 Sec#192/249 |
| EV/EBITDA | 11.22x | US#948/3,112 Sec#109/249 |
| FCF Yield | 6.47% | US#991/3,112 Sec#157/249 |
| Profitability | ||
| ROE | 10.77% | US#1,279/3,112 Sec#110/249 |
| ROA | 1.23% | US#1,837/3,112 Sec#90/249 |
| Op. Margin | 27.85% | US#531/3,112 Sec#93/249 |
| Revenue Growth | 6.11% | US#1,640/3,112 Sec#105/249 |
| Earnings Growth | 15.33% | US#1,036/3,112 Sec#148/249 |
| Financial Health | ||
| Debt Ratio | 776.73% | US#2,612/3,112 Sec#112/249 |
| Total Debt | $647M | US#1,693/3,112 Sec#120/249 |
| FCF | $226M | US#1,281/3,112 Sec#98/249 |
| Cash | $572M | US#989/3,112 Sec#105/249 |
| Current Ratio | 2.85x | US#860/3,112 Sec#67/249 |
| Net Debt/EBITDA | 0.24x | US#724/3,112 Sec#98/249 |
| Dividend | ||
| Div. Yield | 2.81% | US#635/3,112 Sec#72/249 |
| Div. Growth | -4.14% | US—/3,112 Sec—/249 |
| Performance | ||
| 1Y Return | 31.29% | US#1,236/3,112 Sec#172/249 |
| 1M Return | -1.63% | US#1,872/3,112 Sec#216/249 |
| From 52W High | -6.47% | US#704/3,112 Sec#193/249 |
| 1Y MDD | -16.71% | US#436/3,112 Sec#128/249 |
| Trading | ||
| Volume | 305,244 shares | US#2,411/3,112 Sec#124/249 |
| Trading Value | $20M | US#1,957/3,112 Sec#105/249 |
| Per Share | ||
| EPS | $3.75 | US#824/3,112 Sec#95/249 |
| BPS | $35.79 | US#704/3,112 Sec#101/249 |
Company Info
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.