Community Financial System, Inc.
Financials
Valuation Metrics
Community Financial System, Inc.'s Market Cap is $3.39B. At end of 2025 it was $3.22B. Ranked #1644 of 3,114 in US market (top 53%), #1066 of 1,645 on NYSE (top 65%), #102 of 245 in Banks (top 42%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $3.39B | US#1,644/3,114 Sec#102/245 |
| Revenue | $859M | US#1,941/3,114 Sec#84/245 |
| Net Income | $228M | US#1,218/3,114 Sec#110/245 |
| Total Assets | $17.76B | US#667/3,114 Sec#116/245 |
| Net Assets | $2.07B | US#1,206/3,114 Sec#113/245 |
| Employees | 2,853 | US#1,499/3,114 Sec#82/245 |
| Value | ||
| P/E | 14.85x | US#711/3,114 Sec#171/245 |
| P/B | 1.63x | US#971/3,114 Sec#184/245 |
| PEG | 0.86x | US#786/3,114 Sec#108/245 |
| P/S | 3.94x | US#2,021/3,114 Sec#138/245 |
| EV/EBITDA | 11.57x | US#990/3,114 Sec#97/245 |
| FCF Yield | 6.83% | US#982/3,114 Sec#164/245 |
| Profitability | ||
| ROE | 11.00% | US#1,261/3,114 Sec#108/245 |
| ROA | 1.28% | US#1,851/3,114 Sec#90/245 |
| Op. Margin | 34.98% | US#399/3,114 Sec#117/245 |
| Revenue Growth | 9.71% | US#1,272/3,114 Sec#104/245 |
| Earnings Growth | 17.17% | US#910/3,114 Sec#99/245 |
| Financial Health | ||
| Debt Ratio | 757.01% | US#2,567/3,114 Sec#96/245 |
| Total Debt | $764M | US#1,668/3,114 Sec#112/245 |
| FCF | $231M | US#1,310/3,114 Sec#99/245 |
| Cash | $258M | US#1,539/3,114 Sec#136/245 |
| Current Ratio | 14.48x | US#171/3,114 Sec#26/245 |
| Net Debt/EBITDA | 1.50x | US#1,151/3,114 Sec#119/245 |
| Dividend | ||
| Div. Yield | 2.91% | US#605/3,114 Sec#69/245 |
| Div. Growth | -4.14% | US—/3,114 Sec—/245 |
| Performance | ||
| 1Y Return | 17.09% | US#1,394/3,114 Sec#200/245 |
| 1M Return | 6.21% | US#1,180/3,114 Sec#87/245 |
| From 52W High | -9.35% | US#929/3,114 Sec#171/245 |
| 1Y MDD | -17.41% | US#442/3,114 Sec#153/245 |
| Trading | ||
| Volume | 133,836 shares | US#2,924/3,114 Sec#198/245 |
| Trading Value | $9M | US#2,499/3,114 Sec#175/245 |
| Per Share | ||
| EPS | $4.34 | US#788/3,114 Sec#85/245 |
| BPS | $39.44 | US#624/3,114 Sec#92/245 |
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.