Community Bank System, Inc. (CBU)
NYSE NYSE Primary 
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CBU Chart
Community Financial System: Margin Expansion Still Underappreciated By The Market
Fixed-asset repricing continues to power healthy margin expansion for Community Financial System (CBU), even as broader interest rates have fallen. CBU's bond portfolio still only yields around 2.2%. With new loans hitting the book at roughly 6%, repricing dynamics will remain attractive for the foreseeable future. Meanwhile, CBU's non-interest revenue, much of which is asset based, is being supported by strong financial markets.
Community Financial System, Inc. (CBU) Q2 2026 Earnings Call Transcript
Community Financial System, Inc. (CBU) Q2 2026 Earnings Call Transcript
Community Financial System Q2 Earnings Call Highlights
Community Financial System NYSE: CBU reported record second-quarter operating results as net interest income expanded for a ninth consecutive quarter, while executives said insurance revenue remained below expectations amid softer premium markets, lower contingencies and organic-growth challenges.
Community Bank System, Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| DI David Izzi Brown, LISLE/CUMMINGS Inc. | 960 | $45,929.99 | $62,217.6 | $16,287.61 | 35.46% |
 Curtis Ellergodt Rothschild Investment LLC | 91 | $5,271.05 | $5,944.12 | $673.07 | 12.77% |
| BZ Brandon Zatopek Commonwealth Equity Services LLC | 20,167 | $1.35M | $1.31M | -$45,769.05 | -3.38% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 385 | $22,580.25 | $24,978.8 | $2,398.55 | 10.62% |
| ARS Adelbert R. Sanchez Deprince Race & Zollo Inc | 530,874 | $32.24M | $33.52M | $1.28M | 3.97% |
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Community Bank System, Inc. Profile
| Banks Industry | Financials Sector | Dimitar A. Karaivanov CEO | NYSE Exchange | 203607106 CUSIP |
| US Country | 2,927 Employees | 15 Sep 2026 Last Dividend | 13 Apr 2004 Last Split | 27 Nov 1985 IPO Date |
Overview
Community Bank System, Inc., founded in 1866 and based in DeWitt, New York, serves as a holding company for Community Bank, N.A. It provides an extensive range of banking and financial services to various customer types including retail, commercial, institutional, and municipal clients. The operations of the company are organized into three primary segments: Banking, Employee Benefit Services, and All Other. Through its diverse offering, it seeks to meet the needs of its clients by providing tailored financial solutions and services.
Products and Services
- Deposit Products:
The company offers an array of deposit products to cater to the varying needs of its clients. These include both interest and noninterest-bearing checking accounts, savings and money market deposit accounts, along with time deposits. Such a variety ensures that individuals and entities find the right options for their liquidity needs and financial management strategies.
- Loan Services:
Community Bank System, Inc. provides various loan products, including consumer mortgages, general purpose commercial and industrial loans, and commercial property mortgages. It also engages in paycheck protection program loans, offering financial support to businesses during challenging times. For consumers, it provides installment loans through selected dealerships secured by automobiles, marine, and other recreational vehicles, as well as personal installment loans and lines of credit, enhancing personal and vehicle financing options.
- Employee Benefit Services:
It delivers a comprehensive range of services tailored to employee benefits, including contribution plan administration, retirement plan administration, benefit consulting, fund administration, transfer agency services, and more. These services aim to assist employers in managing and optimizing their employee benefits programs efficiently.
- Insurance and Risk Management:
Operating as a full-service insurance agency, the company provides both personal and commercial lines of insurance and other risk management products and services. This allows clients to safeguard their assets and manage risks associated with their personal and business ventures effectively.
- Investment and Wealth Management:
Investment advisory, cash management, investment, and treasury services are offered, alongside asset management services, to help clients grow and manage their wealth. The company provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services. Additionally, it offers investment alternatives such as stocks, bonds, mutual funds, and insurance and advisory products, catering to the diversified investment needs of its clients.
