65.78
+1.61%
Close of 9 Nov 2026, in USD
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About Community Financial System
Its shares trade under the ticker CBU. It has been listed since 26 November 1985. In the fiscal year to 31 December 2025, it reported revenue before interest expense of $1.01bn and net income of $210.5m. At that date it held total assets of $17.41bn and shareholders' equity of $2.01bn.
Community Bank System, Inc. is a holding company, which engages in the provision of retail, business, and municipal banking services. The company is headquartered in Dewitt, New York. The firm owns two subsidiaries: Community Bank, N.A. (the Bank or CBNA), and Benefit Plans Administrative Services, Inc. (BPAS). The Company’s segments include Banking, Employee Benefit Services, and All Other. The Banking segment provides lending and depository-related products and services to individuals, businesses, and municipal enterprises. In addition, it provides treasury management solutions and payment processing services. Employee Benefit Services, consisting of BPAS and its subsidiaries, provides retirement plans, health and fiduciary services, actuarial & pension services, and healthcare consulting services. welfare plans, fund administration, institutional trust services, collective investment funds. The All Other segment is comprised of wealth management and insurance services. The company operates more than 220 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 26 Nov 1985
- Employees
- 2,853
- Website
- ir.communitybanksystem.com ↗
- Head office
- 333 BUTTERNUT DRIVE, SYRACUSE, NY, 13214
- Incorporated in
- DE
- Classification
- National Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Eric StickelsIndependent Chairman of the Board$179,300
- Mr. Dimitar KaraivanovPresident, Chief Executive Officer, Director, since 2022$2.7m
- Ms. Marya WlosChief Financial Officer, Executive Vice President
- Ms. Maureen Gillan-MyerChief Human Resources Officer, Executive Vice President$985,708
- Mr. Michael AbdoExecutive Vice President, General Counsel$949,555
- Mr. Jeffrey LevySenior Vice President and Chief Banking Officer$1.0m
- Mr. Mark BolusIndependent Director$149,300
- Mr. Neil FesetteIndependent Director$149,300
- Mr. Jeffery KnaussIndependent Director$144,425
- Ms. Kerrie MacphersonIndependent Director$156,175
- Mr. John ParenteIndependent Director$146,300
- Mr. Raymond PecorIndependent Director$149,425
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 41
- Environment
- 6
- Social
- 55
- Governance
- 63
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Community Bank System Inc. has established a solid market presence with a wide network of branches and a strong customer base. This allows them to capture a significant market share and generate consistent revenue.
- The company has consistently demonstrated strong financial performance, with steady growth in revenue and profitability. This financial stability enhances investor confidence and enables the bank to pursue strategic initiatives.
Weaknesses
- Community Bank System Inc. primarily operates in a specific geographic region, which limits its market potential compared to larger national or international banks. This vulnerability to regional economic trends may affect their profitability.
- The bank has a strong focus on traditional banking services, which may hinder its ability to adapt quickly to changing customer preferences towards digital and mobile banking. This reliance on traditional channels could result in a loss of market share to more technologically advanced competitors.
Opportunities
- Community Bank System Inc. has the opportunity to expand its operations into new geographic markets. By capitalizing on emerging opportunities, they can diversify their customer base and increase their market share.
- By investing in and adopting innovative technologies, such as mobile banking apps and online platforms, the bank can attract tech-savvy customers and improve their overall customer experience. This shift towards digital services can lead to increased efficiency and revenue growth.
Threats
- Community Bank System Inc. faces tough competition from larger national and international banks, as well as regional and community banks. This intensifying competition can potentially squeeze their market share and impact profitability.
- The banking industry is subject to stringent regulations that often undergo changes, increasing compliance costs and creating potential obstacles for Community Bank System Inc. Adhering to these regulations while remaining profitable can be a significant challenge.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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