CBU NYSE
Community Bank System, Inc.
1W: +4.1%
1M: +1.2%
3M: -3.8%
YTD: +7.2%
1Y: +11.0%
3Y: +61.7%
5Y: +1.2%
$62.37
+0.04 (+0.07%)
After Hours: $62.48 (+0.12, +0.19%)
Weekly Expected Move ±2.5%
$59
$61
$62
$64
$66
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
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Analysis
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Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Balance Sheet Trends
Total Assets
$17.4B
+6.3% ▲
5Y CAGR: +4.6%
Total Liabilities
$15.4B
+5.4% ▲
5Y CAGR: +5.4%
Shareholders Equity
$2.0B
+13.8% ▲
5Y CAGR: -1.0%
Cash & Investments
$302M
-40.7% ▼
5Y CAGR: -43.4%
Total Debt
$747M
-25.2% ▼
5Y CAGR: +15.0%
Net Debt
$445M
-44.9% ▼
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $1.9B | $210M | $191M | $192M | $302M |
| Short-Term Investments | $4.9B | $4.2B | $2.9B | $317M | $0 |
| Cash & ST Investments | $6.8B | $4.4B | $3.1B | $509M | $302M |
| Net Receivables | $36M | $53M | $55M | $54M | $58M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $6.8B | $4.4B | $3.2B | $563M | $359M |
| Property, Plant & Equip. | $161M | $161M | $173M | $184M | $247M |
| Goodwill & Intangibles | $864M | $903M | $898M | $901M | $943M |
| Long-Term Investments | $7.3B | $9.8B | $10.8B | $14.2B | $15.3B |
| Other Non-Current Assets | $355M | $525M | $502M | $562M | $369M |
| Total Non-Current Assets | $8.7B | $11.4B | $12.4B | $15.8B | $17.1B |
| Total Assets | $15.6B | $15.8B | $15.6B | $16.4B | $17.4B |
| — Liabilities — | |||||
| Accounts Payable | $211M | $134M | $0 | $0 | $0 |
| Short-Term Debt | $325M | $1.1B | $358M | $380M | $242M |
| Deferred Revenue | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $12.9B | $13.0B | $12.9B | $13.4B | $0 |
| Total Current Liabilities | $13.4B | $14.3B | $13.3B | $13.8B | $242M |
| Long-Term Debt | $5M | $23M | $408M | $619M | $459M |
| Other Non-Current Liab. | $0 | $0 | $164M | $183M | $14.6B |
| Total Non-Current Liabilities | $5M | $23M | $572M | $802M | $15.2B |
| Total Liabilities | $13.5B | $14.3B | $13.9B | $14.6B | $15.4B |
| — Equity — | |||||
| Common Stock | $54M | $54M | $54M | $55M | $55M |
| Retained Earnings | $1.1B | $1.2B | $1.2B | $1.3B | $1.4B |
| Accumulated OCI | -$51M | -$686M | -$557M | -$548M | -$414M |
| Total Stockholders Equity | $2.1B | $1.6B | $1.7B | $1.8B | $2.0B |
| Total Liabilities & Equity | $15.6B | $15.8B | $15.6B | $16.4B | $17.4B |
| — Key Metrics — | |||||
| Total Debt | $330M | $1.1B | $765M | $999M | $747M |
| Net Debt | -$1.5B | $928M | $574M | $807M | $445M |
| Total Investments | $12.3B | $14.0B | $13.7B | $14.5B | $15.3B |