Community Bank System, Inc. (CBU)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$64.64-1.66%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · CBU
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 11.7% |
| Our one-year growth estimate | diamond | 10.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.1 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
CBU — earnings miss
Dated 2026-07-28
above. 99.1 Press Release, dated July 28, 2026, issued by Community Financial System, Inc. 104 Cover Page Interactive Data File (embedded in the cover page formatted in Inline XBRL) SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. Community Financial System, Inc. By: /s/ Marya Burgio Wlos Name: Marya Burgio Wlos Title: Executive Vice President and C…
Why it matters: The margin rose as funding costs fell and loan growth continued. A sustained rise would support bank earnings.
Supportive ifQ4 net interest margin is above Q3's 3.54%, with net interest income also above $143.5 million.
Worry ifQ4 net interest margin falls below 3.54% or net interest income falls below $143.5 million.
Why it matters: The acquisition was completed in Q2, and wealth service revenue rose in Q3. Further growth would show early progress from the deal.
Supportive ifQ4 Wealth Management Services revenue is above Q3's $13.467 million.
Worry ifQ4 Wealth Management Services revenue is at or below $13.467 million.
Why it matters: Management said strong performance should continue into Q4 and 2027. A result above Q3's $1.27 would extend recent growth.
Supportive ifQ4 2026 operating diluted earnings per share is above $1.27.
Worry ifQ4 2026 operating diluted earnings per share is below $1.27.
Why it matters: Charge-offs rose from 0.12% in Q2 to 0.18% in Q3. A further rise would show more loan losses.
Worry ifAnnualized loan net charge-offs exceed 0.18% in Q4.
Less concerning ifAnnualized loan net charge-offs are 0.18% or lower in Q4.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$90 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $207 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,741 loss on $10,000 · 17.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.