About Community Bank System, Inc.
https://cbna.comCommunity Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other.

CEO
Dimitar A. Karaivanov
Compensation Summary
(Year 2019)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2004-04-13 | Forward | 2:1 |
| 1997-03-13 | Forward | 2:1 |
ETFs Holding This Stock
Summary
Showing Top 3 of 192
Ratings Snapshot
Rating : C
Most Recent Analyst Grades
Grade Summary
Showing Top 1 of 1
Price Target
Institutional Ownership

BLACKROCK INC.
Shares:7.54M
Value:$462.25M

BLACKROCK, INC.
Shares:7.44M
Value:$455.79M

VANGUARD GROUP INC
Shares:6.31M
Value:$386.95M
Summary
Showing Top 3 of 329
About Community Bank System, Inc.
https://cbna.comCommunity Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $256.17M ▲ | $128.32M ▼ | $55.09M ▲ | 21.5% ▲ | $1.04 ▲ | $80.49M ▲ |
| Q2-2025 | $247.39M ▲ | $129.1M ▲ | $51.33M ▲ | 20.75% ▲ | $0.97 ▲ | $73.25M ▲ |
| Q1-2025 | $243.68M ▼ | $125.29M ▼ | $49.61M ▼ | 20.36% ▲ | $0.94 | $71.59M ▼ |
| Q4-2024 | $246.25M ▲ | $125.54M ▲ | $49.79M ▲ | 20.22% ▲ | $0.94 ▲ | $71.73M ▲ |
| Q3-2024 | $240.1M | $124.2M | $43.9M | 18.28% | $0.84 | $64M |
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q2-2025 | $2.69B ▲ | $16.67B ▼ | $14.78B ▼ | $1.88B ▲ |
| Q1-2025 | $834.27M ▲ | $16.76B ▲ | $14.93B ▲ | $1.83B ▲ |
| Q4-2024 | $508.96M ▼ | $16.39B ▼ | $14.62B ▲ | $1.76B ▼ |
| Q3-2024 | $3.23B ▲ | $16.4B ▲ | $14.62B ▲ | $1.78B ▲ |
| Q2-2024 | $3.01B | $15.91B | $14.24B | $1.67B |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q2-2025 | $51.33M ▲ | $53.69M ▼ | $-153.66M ▼ | $-180.8M ▼ | $-280.77M ▼ | $36.38M ▼ |
| Q1-2025 | $49.61M ▼ | $62.51M ▼ | $-30.31M ▲ | $288.82M ▲ | $321.02M ▲ | $51.95M ▼ |
| Q4-2024 | $49.79M ▲ | $65.74M ▲ | $-210.63M ▲ | $-4.21M ▼ | $-149.11M ▼ | $58.54M ▲ |
| Q3-2024 | $43.9M ▼ | $56.86M ▲ | $-239.07M ▼ | $326.83M ▲ | $144.62M ▲ | $51.93M ▲ |
| Q2-2024 | $47.91M | $39.79M | $-171.24M | $-5.43M | $-136.89M | $33.78M |
Revenue by Products
| Product | Q1-2023 | Q2-2023 | Q1-2025 | Q2-2025 |
|---|---|---|---|---|
Insurance Services | $0 ▲ | $0 ▲ | $10.00M ▲ | $10.00M ▲ |
Wealth Management Services | $0 ▲ | $0 ▲ | $10.00M ▲ | $10.00M ▲ |
All Other | $20.00M ▲ | $20.00M ▲ | $0 ▼ | $0 ▲ |
Banking | $20.00M ▲ | $20.00M ▲ | $0 ▼ | $0 ▲ |

CEO
Dimitar A. Karaivanov
Compensation Summary
(Year 2019)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2004-04-13 | Forward | 2:1 |
| 1997-03-13 | Forward | 2:1 |
ETFs Holding This Stock
Summary
Showing Top 3 of 192
Ratings Snapshot
Rating : C
Most Recent Analyst Grades
Grade Summary
Showing Top 1 of 1
Price Target
Institutional Ownership

BLACKROCK INC.
Shares:7.54M
Value:$462.25M

BLACKROCK, INC.
Shares:7.44M
Value:$455.79M

VANGUARD GROUP INC
Shares:6.31M
Value:$386.95M
Summary
Showing Top 3 of 329





