Price
No data yet.
Social Signal Score
Revenue
$268.36M+141.17%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Dimitar A. Karaivanov
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 2,927
- Beta
- 0.79
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 0.66
Financials
Revenue
$268.36M+141.2%Net Income
$61.33M+125.8%EBITDA
$91.52M+101.2%Free Cash Flow
$41.38M+31.5%EPS (diluted)
$1.16+90.2%Shares Outstanding (diluted)
52.91M+18.0%Operating Expenses
$6.87MCash & Debt
$4.78BReturn of Capital
$25.27MRevenue by Segment (annual)
$93.86MDividend per Share
$0.49Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.01B | $210.46M | $3.98 |
| 2024 | $940.71M | $182.48M | $3.44 |
| 2023 | $755.98M | $131.92M | $2.45 |
| 2022 | $702.45M | $188.08M | $3.48 |
| 2021 | $633.65M | $189.69M | $3.51 |
| 2020 | $617.28M | $164.68M | $3.10 |
| 2019 | $616.35M | $169.06M | $3.26 |
| 2018 | $587.11M | $168.64M | $3.30 |
| 2017 | $531.88M | $150.72M | $3.07 |
| 2016 | $440.81M | $103.81M | $2.34 |
| 2015 | $382.92M | $91.23M | $2.21 |
| 2014 | $375.24M | $91.35M | $2.24 |
| 2013 | $453.68M | $78.83M | $1.96 |
| 2012 | $380.65M | $77.07M | $1.95 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CBU's reported EPS growth of 5.6% a year over 13 years.
- EPS in 5 years
- $5.24
- Implied price
- $73.42
- Return from $63.66
- 2.9% a year
To earn 15.0% a year on these assumptions you'd need to buy at $36.50 — -42.7% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 10 | 12 | 14 | 16 | 18 |
|---|---|---|---|---|---|
| -4.4% | -12.9% | -9.7% | -6.9% | -4.3% | -2.0% |
| 0.6% | -8.4% | -5.0% | -2.0% | 0.7% | 3.1% |
| 5.6% | -3.8% | -0.2% | 2.9% | 5.7% | 8.2% |
| 10.6% | 0.8% | 4.5% | 7.8% | 10.7% | 13.3% |
| 15.6% | 5.3% | 9.2% | 12.6% | 15.7% | 18.4% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100Social Signal Score
Mentions (1)
- Newsprnewswire.com·5h ago·Neutral
Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update NYSE issues a pre-market daily advisory direct from the trading floor. NEW YORK, Aug. 24, 2026 /PRNewswire/ -- The New York Stock Exchange (NYSE) provides a daily pre-market update directly from the NYSE Trading Floor.
View source ↗
Earnings
Tue, Oct 27(in 2 months)
Consensus estimate $1.18 per share
Typical surprise -1.0% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Jul 28$1.16 vs $1.18miss
- Wed, Apr 29$1.09 vs $1.10miss
- Tue, Jan 27$1.07 vs $1.13miss
- Tue, Oct 21$1.04 vs $1.05miss
- Tue, Jul 22$0.97 vs $1.03miss
- Tue, Apr 29$0.93 vs $0.91beat
Estimates and results for CBU via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by CBU officers and directors.
- Bought
- —
- Sold
- $1.9m
0 trades
7 trades
- Bolus Mark J.sold
- Stickels Ericsold
- Whipple John F.sold
- Steele Sally Asold
- Stickels Ericsold
- Gillan-myer Maureen Asold
- Levy Jeffrey Msold
93 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.