Community Financial System
Combines Northeast community banking with national benefits administration, insurance and wealth management.
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Profile
Combines regional banking through Community Bank with nationwide employee-benefit administration through BPAS, insurance brokerage through OneGroup, and wealth management through Nottingham Financial Group. Banking remains the largest business, while the three fee businesses diversify revenue beyond the Northeast branch network.
Combines Community Bank’s regional lending, deposits, treasury management and payment services with three fee businesses: BPAS employee-benefit administration, OneGroup insurance and risk management, and Nottingham Financial Group wealth management. Banking serves consumers, businesses and governments across Upstate New York and nearby markets in Pennsylvania, Vermont, Massachusetts and New Hampshire.
Extends beyond the branch footprint through BPAS’s nationwide retirement-plan, trust, fund-administration and actuarial work. Nottingham adds financial planning, investment advisory, asset management and trust services, including ClearPoint’s specialized trust administration, while OneGroup brokers personal and commercial insurance.
Runs on a regulated-bank core, local deposits and lending relationships, with fee revenue tied partly to administered assets and financial-market values. Acquisitions and new branches broaden distribution but add integration demands.
Company facts
Categories
Key statistics
Year to date +8.7% · Average volume (30d) 216.4K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 3, 2026 | Piper Sandler | Reiterate | Overweight | $62 | $71 | |
| Apr 30, 2026 | Raymond James | Target | $67 | $75 | ||
| Jan 13, 2026 | Janney Montgomery Scott | Downgrade | Buy | Neutral | ||
| Dec 3, 2025 | Piper Sandler | Target | $66 | $62 | ||
| Oct 28, 2024 | Raymond James | Upgrade | Market Perform | Strong Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026Q2 FY26 | $1.18 | $1.16 | −1.7% | $221.8M | $218.4M | −1.5% | −0.49% |
| Apr 29, 2026Q1 FY26 | $1.10 | $1.09 | −0.9% | $216.4M | $213.7M | −1.2% | +1.82% |
| Jan 27, 2026Q4 FY25 | $1.13 | $1.07 | −5.3% | $212.8M | $215.6M | +1.3% | −0.62% |
| Oct 21, 2025Q3 FY25 | $1.05 | $1.04 | −1.0% | $206.1M | $207.1M | +0.4% | +0.28% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $243.7M | $247.4M | $256.2M | $263.8M | $258.6M | $268.4M | |
| Gross profit | $189.6M | $195.1M | $201.5M | $210.8M | $207.7M | $218.5M | |
| Operating income | $64.3M | $66.0M | $73.2M | $71.9M | $74.6M | $80.8M | |
| Net income | $49.6M | $51.3M | $55.1M | $54.4M | $57.2M | $61.3M | |
| Diluted EPS | $0.94 | $0.97 | $1.04 | $1.03 | $1.08 | $1.16 | |
| Gross margin | 77.8% | 78.9% | 78.7% | 79.9% | 80.3% | 81.4% | |
| Operating margin | 26.4% | 26.7% | 28.6% | 27.3% | 28.9% | 30.1% |
Fiscal years (4-quarter sums)FY21 $633.7M · FY22 $702.5M · FY23 $756.0M · FY24 $940.7M · FY25 $1.01B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $4.78B · Total debt $764.0M · Total assets $17.76B · Shareholders' equity $2.07B
Dividends
Raised for 34 straight years — most recently to $0.47 from $0.46 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 15, 2026 | Jun 15 | Jul 10 | $0.47 | |
| Mar 16, 2026 | Mar 16 | Apr 10 | $0.47 | |
| Dec 12, 2025 | Dec 12 | Jan 12 | $0.47 | |
| Sep 12, 2025 | Sep 12 | Oct 10 | $0.47 | raised from $0.46 |
| Jun 13, 2025 | Jun 13 | Jul 10 | $0.46 | |
| Mar 14, 2025 | Mar 14 | Apr 10 | $0.46 | |
| Dec 13, 2024 | Dec 13 | Jan 10 | $0.46 | |
| Sep 13, 2024 | Sep 13 | Oct 10 | $0.46 | raised from $0.45 |
Ownership
Shares outstanding 52.55M · Float 52.07M · 99.1% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 7.56M | 14.38% | 13F | Aug 7, 2026 |
| FMR LLC | 3.68M | 7.00% | 13F | Aug 13, 2026 |
| Vanguard Portfolio Management LLC | 3.55M | 6.75% | 13F | Aug 13, 2026 |
| Neuberger Berman Group LLC | 3.46M | 6.58% | 13F | Aug 13, 2026 |
| State Street Corp | 3.31M | 6.31% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 27, 2026 | John A. Vaccaro | director | +317 | $63.11 |
| Aug 24, 2026 | Brenda M. Hall | director | +476 | $63.59 |
| Jun 25, 2026 | Mark J. Bolus | director | −12,191 | $67.00 |
| Jun 8, 2026 | Eric Stickels | director | −2,000 | $63.98 |
| Dec 29, 2025 | Maureen A. Gillan-Myer | officer: EVP, Chief Admin & HR Officer | −3,450 | $58.85 |
Peers
- NBT Bancorp
Closest four-line Northeast community-bank peer
- M&T Bank
Larger Northeast banking and wealth competitor
- Tompkins Financial
New York and Pennsylvania bank and wealth peer
- Beacon Financial
New England and New York regional-bank competitor
- First Commonwealth Financial
Pennsylvania banking, insurance and wealth peer
- S&T Bancorp
Pennsylvania bank with trust and brokerage overlap
- Arthur J. Gallagher
Public insurance and benefits brokerage competitor
- KeyCorp
Large regional bank for deposits, treasury and wealth
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Community Financial System | $63.11 | −0.06% | $3.32B | 14.7 | 13.0 | 3.2 | +9.6% |
| NBT Bancorp | $51.55 | 0.00% | $2.68B | 12.6 | 11.8 | 2.8 | +9.4% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| Tompkins Financial | $97.80 | −0.07% | $1.41B | 8.0 | 12.2 | 2.9 | +5.4% |
| Beacon Financial | $31.39 | 0.00% | $2.64B | 23.8 | 9.9 | 2.3 | +92.8% |
| First Commonwealth Financial | $20.85 | +0.05% | $2.12B | 12.8 | 11.2 | 3.4 | +6.5% |
| S&T Bancorp | $49.79 | −0.02% | $1.76B | 13.3 | 12.6 | 3.1 | +5.2% |
| Arthur J. Gallagher | $250.73 | −6.27% | $68.74B | 44.3 | 19.0 | 4.4 | +22.8% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| Median | 12.8 | 11.8 | 2.9 | +6.9% |