CBUCOMMUNITY FINANCIAL SYSTEM, INC.
National Commercial Banks
- Revenue
- $818M
- 9.6% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $732M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear143% of net incomeCash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear36% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear5% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | — | $679M | $652M | $746M | $818M | 9.6% |
| Net income | $190M | $188M | $132M | $182M | $210M | 15% |
| Operating cash flow | $203M | $215M | $228M | $242M | $302M | 25% |
| Capex | $13M | $13M | $19M | $21M | $69M | 231% |
| Stock-based comp | $6M | $8M | $9M | $8M | $11M | 30% |
| Buybacks | $5M | $17M | $30M | $46M | $11M | 76% |
| Dividends | $91M | $93M | $95M | $96M | $98M | 1.9% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $25K · 1
- Open-market sells, 12 mo
- $0 · 0
- Net
- $25K
Pay vs performance
No pay-versus-performance disclosure yet.