OakChart

Community Financial System Inc

CBUFinancial·Banks - Regional·USA·Mid·NYSE·Nov 11 • 1:51 PM ET

64.70-0.18 (-0.28%)
2026-11-11 19:51 CET
Market cap
3,398.37 USD m
Revenue, TTM
- USD m
Net income, TTM
233.56 USD m
Free cash flow, TTM
269.62 USD m
EPS diluted, TTM
4.42
P/E
14.63
Compare

Price

CBU against its 20, 50 and 200-day averages
2050200miss
60.0065.0070.00738K1.5MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CBUclose 64.7020-day 62.9050-day 61.84200-day 62.9864.7052w high

9.0% under the 52-week high of 71.11 on 16 Jul 2026. 52-week low 53.46 on 18 Nov 2025. Last 15 sessions, 10.2% high to low

Profile

CBU
52-week range, 64% of the way up
53.4671.11

Community Financial System, Inc. is a holding company, which engages in the provision of retail, business, and municipal banking services. It operates through the following segments: Banking, Employee Benefit Services, and All Other. The Banking segment offers lending and depository-related products and services to individuals, businesses, and municipal enterprises. The Employee Benefit Services segment provides employee benefit trust services, collective investment funds, fund administration, transfer agency, retirement plan and VEBA/HRA, and health savings account plan administration services, actuarial services, and healthcare consulting services. The All Other segment consists of wealth management and insurance services. The company was founded on April 15, 1983 and is headquartered in Syracuse, NY.

IndexRUT
Employees3001
IPONov 26, 1985
Beta0.76
ATR, 14d1.46
Rel volume0.27
Short float3.60%
Insider own0.93%
Inst own79.26%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap3.39B
Enterprise Value-
Income233.56M
Sales1.06B
Book/sh38.77
Cash/sh-
Dividend Est.1.92 (2.97%)
Dividend TTM1.90 (2.94%)
Dividend Ex-DateDec 15, 2026
Dividend Gr. 3/5Y2.25% 2.30%
Payout46.88%
Employees3001
IPONov 26, 1985

Ratios

P/E14.63
Forward P/E12.57
PEG1.20
P/S3.19
P/B1.67
P/C-
P/FCF12.57
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.12
Debt/Eq0.31
LT Debt/Eq0.21
Option/ShortYes / Yes

Earnings

EPS (ttm)4.42
EPS next Y5.15
EPS next Q1.20
EPS this Y8.71%
EPS next Y11.96%
EPS next 5Y10.49%
EPS past 3/5Y4.67% 5.20%
Sales past 3/5Y12.79% 10.36%
EPS Y/Y TTM14.14%
Sales Y/Y TTM7.03%
EPS Q/Q11.50%
Sales Q/Q5.96%
EarningsOct 27 BMO
EPS/Sales Surpr.6.43% 1.34%

Ownership

Insider Own0.93%
Insider Trans-2.60%
Inst Own79.26%
Inst Trans1.88%
ROA1.34%
ROE11.77%
ROIC9.53%
Gross Margin-
Oper. Margin29.36%
Profit Margin21.98%
SMA202.86%
SMA504.63%
SMA2002.74%
Trades-

Technical

Shs Outstand52.38M
Shs Float51.89M
Short Float3.60%
Short Ratio7.45
Short Interest1.87M
52W High71.11 -9.01%
52W Low53.46 21.03%
Volatility2.27% 2.22%
ATR (14)1.46
RSI (14)59.61
Beta0.76
Rel Volume0.27
Avg Volume250.90K
Volume47,100

Performance

Perf Week-1.57%
Perf Month10.09%
Perf Quarter-1.48%
Perf Half Y5.62%
Perf YTD12.64%
Perf Year12.80%
Perf 3Y56.85%
Perf 5Y-13.78%
Perf 10Y21.43%
Recom2.67
Target Price69.00
Prev Close64.88
Price64.70
Change %-0.28%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Feb 25, 2026InitiatedDDA DavidsonNeutral$72+11.3%
Jan 13, 2026DowngradeJJanneyBuy → Neutral
Dec 03, 2025ResumedPPiper SandlerNeutral$62-4.2%
Dec 05, 2024ResumedPPiper SandlerNeutral$70+8.2%
Oct 28, 2024UpgradeRRaymond JamesMkt Perform → Strong Buy$67+3.6%
Jul 24, 2024DowngradeRRaymond JamesOutperform → Mkt Perform
Jun 28, 2023UpgradeHHovde GroupMarket Perform → Outperform
Jun 06, 2023UpgradeRRaymond JamesMkt Perform → Outperform$55-15.0%
Mar 14, 2023InitiatedJJanneyBuy$66+2.0%
Dec 21, 2022InitiatedRRaymond JamesMkt Perform

Peers

Mkt cap
TickerCompanyMkt cap
NBTBNBT Bancorp Inc2.74B
TMPTompkins Financial Corp1.44B
NWBINorthwest Bancshares Inc2.23B
AROWArrow Financial Corp712.21M
TRSTTrustco Bank Corp954.15M
FISIFinancial Institutions Inc782.39M
FCFFirst Commonwealth Financial Corp2.04B
MTBM & T Bank Corp31.64B
CHMGChemung Financial Corp414.84M
KEYKeycorp22.65B

Insider trading

latest 14 of 22
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Sally SteeleBOARD OF DIRECTOROct 22 '26Proposed Sale62.002,500155,000Oct 22 11:20 AM
Singh SavneetDirectorSep 09 '26Buy62.4740024,988418Sep 10 03:57 PM
Vaccaro John ADirectorAug 27 '26Buy63.1131720,006492Aug 28 04:26 PM
Hall Brenda MDirectorAug 24 '26Buy63.5947630,271515Aug 26 12:07 PM
Sally SteeleBOARD OF DIRECTORJul 31 '26Proposed Sale68.0016,0011,088,068Jul 20 03:27 PM
Bolus Mark J.DirectorJun 25 '26Sale67.0012,191816,78694,060Jun 29 11:13 AM
Bolus Mark J.DirectorJun 25 '26Proposed Sale66.9412,190816,017Jun 26 05:37 PM
Durkee Deresa FischerSVP, Chief Accounting OfficerJun 10 '26Option Exercise46.211,62374,9976,804Jun 11 04:21 PM
STICKELS ERICDirectorJun 08 '26Sale63.982,000127,96231,592Jun 10 11:33 AM
ERIC STICKELSDIRECTORJun 08 '26Proposed Sale63.592,000127,180Jun 08 11:58 AM
Gillan-Myer Maureen AEVP, Chief Admin & HR OfficerDec 29 '25Sale58.853,450203,0540Mar 04 12:09 PM
Whipple John F.DirectorFeb 04 '26Option Exercise38.024,246161,43312,752Feb 06 10:59 AM
Whipple John F.DirectorFeb 04 '26Sale65.174,246276,7048,506Feb 06 10:59 AM
STEELE SALLY ADirectorFeb 03 '26Option Exercise23.044,00092,16043,964Feb 05 03:52 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
SDYState Street SPDR S&P Dividend ETFAUM: 22.68B
SPSMState Street SPDR Portfolio S&P 600TM Small Cap ETFAUM: 16.06B
DFASU.S. Small Cap Portfolio-ETF Class Shares-

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-271.2701.1931.160230.21227.156
2026Q22026-07-281.1601.1801.159218.45221.776
2026Q12026-04-291.1501.0921.080213.69216.366
2025Q42026-01-271.1201.1301.024215.56212.855
2025Q32025-10-211.0901.0481.039207.05206.134
2025Q22025-07-221.0401.0100.966199.3201.35
2025Q12025-04-290.9800.9100.934196197.136
2024Q42025-01-210.9400.8970.934196.04191.826
2024Q32024-10-220.8300.8760.830189.1186.355
2024Q22024-07-230.9000.8080.905183.16180.145
2024Q12024-04-230.8200.7800.764177.26177.048
2023Q42024-01-230.8000.8440.714177.12175.258
2023Q32023-10-240.8200.8810.820175.74176.538
2023Q22023-07-310.9500.8510.894175.51176.678
2023Q12023-04-250.9000.9140.107176.62161.378
2022Q42023-01-241.0000.9330.966175.93178.077

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.8002.6303.035518.1517.82
2018FY3.3703.2443.245569.11571.63
2019FY3.4303.2593.228589.79587.65
2020FY3.3703.1133.079594.86598.49
2021FY3.6303.4653.479620.03620.05
2022FY3.4603.5313.460679.36682.56
2023FY3.3603.4332.447704.75693.1
2024FY3.4303.3933.437745.56742.83
2025FY4.2304.0923.970817.63816.71
2026FY-4.598--898.09
2027FY-5.148--965.26
2028FY-5.705--1,036

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-30410233.8232.55236.1
2026Q4S2026-10-27400233.15232.55233.57
2026Q4S2026-10-14400232.71231.22234.8
2026Q4S2026-10-09411232.71231.22234.8
2026Q4S2026-10-08411232.78231.22234.8
2026Q4S2026-10-05511231.98228.8234.8
2026Q4S2026-09-30501231.55228.8233.5
2026Q4S2026-09-21501231.51228.8233.5
2026Q4S2026-07-31501231.23228.8232.62
2026Q4S2026-07-28500231.66228.8235.9
2026Q4S2026-07-13500231.45228.8235.9
2026Q4S2026-07-02520231.45228.8235.9
2026Q4S2026-06-30520231.59228.8236.6
2026Q4S2026-06-24420232.29229.6236.6

Estimate history

EPS, annual3.0353.2453.2283.0793.4793.462.4473.4373.9684.4212
Period201720182019202020212022202320242025TTM
EPS, quarterly0.830.9340.9340.9661.0391.0241.081.1591.158
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual531.878586.453616.327617.282633.638704.1756.622943.9041010.3571062.58
Period201720182019202020212022202320242025TTM
Sales, quarterly239.996245.998243.438247.387255.934263.598258.962268.826271.192
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual50.69651.25851.79453.59353.87853.73753.32752.66852.68252.377
Period201720182019202020212022202320242025MRQ
Shares, quarterly52.54652.66852.83652.86952.66252.68252.53752.59852.377
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income734.05699.27643.53541.39443.73387.42389.28385.73362.73
Total Interest Expense183.23192.72194.41104.1023.1013.0120.8826.5517.68
Net Interest Income550.83506.55449.12437.29420.63374.41368.40359.18345.06
Loan Loss Provision20.7821.3522.7711.2014.77-8.8414.218.4310.84
Net Interest Income After Loan Loss Provision530.04485.20426.34426.08405.86383.25354.19350.75334.22
Non-Interest Income328.52311.08300.38215.23260.37246.22228.00230.60223.72
Non-Interest Expense546.59515.78485.00462.43419.59387.32368.66363.40345.40
Operating Income311.97280.51241.72178.89246.64242.15213.54217.95212.54
Unusual Expense3.925.110.5910.064.720.807.468.61-0.45
Net Income Before Taxes308.05275.39236.71168.23240.31241.35206.08209.34212.99
Income Taxes73.7764.9454.2236.3152.2351.6541.4040.2744.35
Consolidated Net Income233.56209.58181.74131.48187.55189.25164.16168.66167.90
Net Income From Continuing Operations233.56209.58181.74131.48187.55189.25164.16168.66167.90
Net Income233.56209.58181.74131.48187.55189.25164.16168.66167.90
EPS (Recurring)4.484.043.442.583.523.493.183.343.24
EPS (Basic, Before Extraordinaries)4.443.983.442.453.483.513.103.263.28
EPS (Diluted)4.423.973.442.453.463.483.083.233.24
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.71-0.87-0.74-0.45-0.53-0.45-0.51-0.40-0.74
Stock Option Compensation Expense9.088.586.627.326.115.305.304.505.20
Price To Earnings Ratio14.6714.6719.2018.7019.1421.4220.2121.9817.98
Price To Sales Ratio2.963.003.463.704.856.395.386.015.14
Operating Margin29.3627.7625.6123.6435.0338.2234.5935.3636.24
Net Margin21.9820.7419.2517.3826.6429.8726.5927.3728.63
Shares Outstanding52.3852.6852.6753.3353.7453.8853.5951.7951.26
Market Capitalization3,398.373,398.373,241.912,781.923,382.584,016.793,336.183,667.742,984.14

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income188.25184.35179.99181.47177.28172.88167.65169.93
Total Interest Expense44.7045.2145.2748.0449.1248.1347.4449.96
Net Interest Income143.54139.14134.71133.43128.16124.75120.21119.97
Loan Loss Provision5.564.615.644.985.564.126.696.21
Net Interest Income After Loan Loss Provision137.98134.54129.08128.45122.60120.63113.52113.77
Non-Interest Income82.9484.4778.9782.1378.6574.5175.7976.07
Non-Interest Expense140.02137.73133.00135.84127.34127.51125.09124.97
Operating Income80.9181.2875.0574.7473.9267.6364.2264.86
Unusual Expense0.210.460.432.820.751.59-0.050.33
Net Income Before Taxes80.7080.8174.6171.9273.1766.0464.2764.54
Income Taxes19.4019.4817.4017.5018.0814.7114.6514.75
Consolidated Net Income61.1661.1857.0254.2154.8551.0949.4249.58
Net Income From Continuing Operations61.1661.1857.0254.2154.8551.0949.4249.58
Net Income61.1661.1857.0254.2154.8551.0949.4249.58
EPS (Recurring)1.161.171.091.061.050.990.930.94
EPS (Basic, Before Extraordinaries)1.161.161.081.031.040.970.940.94
EPS (Diluted)1.161.161.081.021.040.970.930.93
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.15-0.15-0.20-0.22-0.24-0.24-0.20-0.22
Stock Option Compensation Expense2.202.182.352.351.841.992.411.48
Price To Earnings Ratio14.6716.3414.8014.8316.0015.7916.5619.20
Price To Sales Ratio2.963.383.023.013.123.083.133.48
Operating Margin29.8330.2328.9828.3528.8827.3426.3826.37
Net Margin22.5522.7622.0220.5621.4320.6520.3020.15
Shares Outstanding52.3852.6052.5452.6852.6652.8752.8452.67
Market Capitalization3,398.373,527.483,092.263,024.883,099.543,005.662,997.223,241.91

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks301.75197.00190.96209.901,875.061,645.81205.03211.83221.04
Investments4,417.854,221.264,165.315,314.894,979.473,598.563,089.192,982.533,081.84
Net Loans10,861.8410,353.259,637.938,748.337,323.777,355.086,840.636,231.846,209.17
Investment in Unconsolidated Affiliates37.060.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets5.782.781.200.500.700.901.271.321.92
Net Property, Plant & Equipment254.24192.08173.42160.78160.65165.66164.64119.99123.39
Interest Receivables57.7354.3454.5352.6135.8939.0331.6531.0536.18
Deferred Tax Assets173.20202.66195.81225.0129.3532.0628.0917.1515.89
Other Intangible Assets1,304.341,251.281,216.471,199.011,177.111,126.061,077.881,028.731,072.66
Total Assets17,413.8016,474.6615,635.6415,911.0315,582.0013,963.1511,438.3910,624.4510,762.09
Total Deposits14,387.0813,441.7112,928.1213,012.3112,911.1711,224.978,994.978,322.378,444.42
Total Debt746.661,047.81806.611,168.87362.72407.15385.79413.68485.90
Long Term Debt504.69657.45439.3544.8229.27119.45125.3899.92124.89
Provision for Risks Charges15.0115.2315.7915.6721.6521.3318.3714.8613.13
Deferred Tax Liabilities110.5088.6179.8975.3889.59120.7894.6175.3084.42
Other Liabilities148.51118.46107.2987.1096.0784.8189.4284.46112.03
Total Liabilities15,407.7714,711.8213,937.7014,359.3213,481.2011,859.049,583.158,910.669,126.77
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity2,006.031,762.841,697.941,551.702,100.812,104.111,855.231,713.781,635.32
Total Shareholders Equity2,006.031,762.841,697.941,551.702,100.812,104.111,855.231,713.781,635.32
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity2,006.031,762.841,697.941,551.702,100.812,104.111,855.231,713.781,635.32
Total Liabilities & Stockholders Equity17,413.8016,474.6615,635.6415,911.0315,582.0013,963.1511,438.3910,624.4510,762.09
Book Value Per Share38.0833.4731.8428.8838.9939.2635.8233.4332.26
Tangible Book Value Per Share20.1816.3515.0012.0722.9523.4619.6617.6815.98
Tier 1 Capital1,526.401,454.211,402.191,381.601,331.371,314.861,148.341,093.17995.86
Tier 2 Capital88.5879.5966.7360.9349.0960.8450.3949.7648.05
Full-Time Employees3,0012,9182,8493,0262,9273,0473,0382,9332,874
Price to Book Ratio1.671.821.792.321.911.591.981.741.71
Return on Assets1.241.130.831.191.281.291.531.571.39
Return on Equity11.1210.508.0910.279.008.299.4510.039.18
Return on Invested Capital8.357.516.1511.758.887.388.529.268.53
Current Ratio0.030.030.030.030.280.290.050.050.03

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations325.53294.29248.15227.31220.83200.48196.42199.96211.16
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-8.107.57-5.881.11-6.232.06-16.942.5410.25
Cash from Operating Activities317.44301.86242.28228.42214.60202.55179.48202.50221.41
Capital Expenditures-47.82-68.53-20.70-18.59-12.92-13.18-14.39-5.69-12.65
Net Assets From Acquisitions-25.700.00-15.62-8.52-0.67-29.330.00-4.65-1.74
Sale of Fixed Assets and Businesses472.51471.675.747.472.430.0034.360.000.00
Purchase or Sale of Investments349.93-52.41-39.461,278.68-1,124.09-1,538.20-233.55-7.9367.29
Purchase of Investments-65.71-147.16-165.78-68.08-1,391.03-1,964.88-1,119.62-811.96-79.36
Sale Or Maturity of Investments415.6494.75126.331,346.77266.94426.68886.07804.03146.65
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.001.600.00
Cash from Investing Activities-30.55-182.10-835.62335.78-2,138.99-1,530.78-398.72-157.0517.50
Cash Dividends Paid-98.68-97.56-95.78-95.10-93.39-91.05-87.13-80.24-71.50
Change in Capital Stock-19.45-5.89-38.94-29.22-15.434.7115.6113.5118.71
Repurchase of Common Pref Stock-31.92-11.17-46.03-30.23-16.61-5.11-0.27-0.29-0.30
Sale of Common Pref Stock12.465.287.091.011.189.8215.8813.8019.00
Proceedsfrom Stock Options12.465.287.091.011.189.8215.8813.8019.00
Issuance or Reduction of Debt, Net-77.03-308.65224.88-373.64790.24-41.3818.85-87.09-72.55
Change in Long Term Debt0.000.000.000.000.00-77.32-12.06-22.68-25.21
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.00-77.32-12.06-22.68-25.21
Net Financing Active Other Cash Flow-6.79-4.55-4.37-0.98-1.05-0.99-1.04-2.87-0.72
Other Financing Activities Uses-6.79-4.55-4.57-1.20-1.28-1.24-1.31-3.16-1.02
Cash from Financing Activities-107.50-15.01599.38-583.13259.221,557.491,660.01-52.25-248.11
Net Change in Cash179.39104.756.04-18.93-1,665.17229.261,440.78-6.80-9.20
Free Cash Flow269.62233.33221.57209.84201.68189.37165.09196.82208.76
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow18.3922.3525.9324.4031.5141.2142.6231.7921.98
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks424.64258.17572.17301.75245.25237.25
Investments4,149.454,540.534,398.524,417.854,392.764,363.49
Net Loans11,426.0311,191.1311,040.9910,861.8410,665.3210,437.27
Investment in Unconsolidated Affiliates37.2736.2836.7437.0637.350.00
Net Property, Plant & Equipment247.63250.25247.44254.24212.67201.10
Interest Receivables57.9960.8956.5657.7354.5357.58
Deferred Tax Assets---173.20--
Other Intangible Assets1,439.481,421.161,386.831,304.341,344.311,360.37
Total Assets17,787.9717,763.7717,744.8617,413.8016,957.8016,665.02
Total Deposits14,865.1114,710.4114,870.1214,387.0814,056.8513,701.77
Total Debt636.01764.10647.35746.66763.35894.46
Long Term Debt420.97433.72446.32504.69471.28583.44
Provision for Risks Charges1.5010.001.5015.013.406.70
Deferred Tax Liabilities---110.50--
Other Liabilities254.77206.50201.90148.51195.25179.00
Total Liabilities15,757.3915,691.0015,720.8715,407.7715,018.8514,781.93
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity2,030.592,072.762,023.992,006.031,938.951,883.09
Total Shareholders Equity2,030.592,072.762,023.992,006.031,938.951,883.09
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity2,030.592,072.762,023.992,006.031,938.951,883.09
Total Liabilities & Stockholders Equity17,787.9717,763.7717,744.8617,413.8016,957.8016,665.02
Book Value Per Share38.7739.4138.5238.0836.8235.62
Tangible Book Value Per Share20.3021.0920.5720.1819.7318.63
Full-Time Employees---3,001--
Price to Book Ratio1.671.741.541.561.651.64
Return on Assets1.341.321.261.241.231.19
Return on Equity11.7711.4911.2611.1211.0110.91
Return on Invested Capital2.492.442.312.162.282.07
Current Ratio0.120.080.160.030.080.08

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations84.0676.3078.9786.2072.4567.30
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital26.19-25.25-7.42-1.6228.64-13.61
Cash from Operating Activities110.2551.0571.5684.58101.0953.69
Capital Expenditures-3.88-9.67-11.26-23.01-17.66-17.30
Net Assets From Acquisitions-3.58-13.73-12.864.47-4.17-0.06
Sale of Fixed Assets and Businesses1.141.500.00469.870.280.59
Purchase or Sale of Investments322.453.9813.809.70-19.20-20.94
Purchase of Investments-7.01-27.36-15.53-15.80-48.25-37.82
Sale Or Maturity of Investments329.4631.3429.3425.5129.0516.88
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities68.20-179.77-202.66283.69-281.82-153.66
Cash Dividends Paid-24.42-24.71-24.82-24.73-24.31-24.24
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-14.103.42-9.390.62-10.091.29
Repurchase of Common Pref Stock-15.80-0.56-15.51-0.04-11.03-0.04
Sale of Common Pref Stock1.703.986.120.660.951.33
Proceedsfrom Stock Options1.703.986.120.660.951.33
Issuance or Reduction of Debt, Net-128.00116.84-42.50-73.35-131.0332.50
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow-0.17-1.03-4.80-0.79-0.92-0.07
Other Financing Activities Uses-0.17-1.03-4.80-0.79-0.92-0.07
Cash from Financing Activities-11.99-185.28401.52-311.76188.73-180.80
Net Change in Cash166.46-314.00270.4256.518.00-280.77
Free Cash Flow106.3841.3860.3061.5783.4236.38
Price to Free Cash Flow18.3923.9221.5622.4123.2329.37

Revenue breakdown

National Commercial Banks2024: 746.30M 2025: 818.01M
United States2024: 746.30M 2025: 818.01M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.60%1.9M51.9M246.65K
2026-10-153.68%1.9M52.1M258.59K
2026-09-303.94%2.1M52.1M254.74K
2026-09-153.95%2.1M52.1M286.24K
2026-08-313.72%1.9M52.1M289.30K
2026-08-143.59%1.9M52.1M300.34K
2026-07-313.27%1.7M52.1M304.46K
2026-07-153.61%1.9M52.1M286.96K
2026-06-303.62%1.9M52.1M283.59K
2026-06-153.88%2.0M52.0M242.06K
2026-05-293.87%2.0M52.1M239.16K
2026-05-153.86%2.0M52.1M243.12K
2026-04-303.98%2.1M52.0M244.46K
2026-04-153.83%2.0M52.1M256.85K
2026-03-313.75%2.0M52.3M257.53K
2026-03-133.72%1.9M52.3M242.13K
2026-02-273.60%1.9M52.3M238.28K
2026-02-133.61%1.9M52.2M240.43K
2026-01-303.09%1.6M52.2M232.62K
2026-01-153.22%1.7M52.2M225.60K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call30.0032.2037.000.004.6420.000.000.935-0.2920.013
call35.0027.2032.000.003.8780.000.000.921-0.2820.015
call40.0022.3027.0023.203.2430.000.000.904-0.2690.017
call45.0017.1022.000.002.6580.000.000.883-0.2520.020
call50.0012.1017.000.002.1150.000.000.854-0.2320.023
call55.007.5012.300.001.7310.000.000.813-0.2000.027
call60.002.507.507.231.20714.000.000.724-0.1740.034
call65.000.501.200.950.33285.000.000.476-0.0770.040
call70.000.003.503.690.75537.000.000.283-0.1520.034
call75.000.004.900.001.0690.000.000.211-0.1750.029
call80.000.004.900.001.3320.000.000.180-0.1980.027
put30.000.004.900.004.1060.000.00-0.065-0.2930.013
put35.000.004.900.003.4170.000.00-0.078-0.2830.015
put40.000.004.900.002.8190.000.00-0.095-0.2690.017
put45.000.004.900.002.2850.000.00-0.116-0.2530.020
put50.000.004.900.001.7950.000.00-0.145-0.2310.023
put55.000.004.901.251.3322.000.00-0.189-0.2030.027
put60.000.004.901.550.8712.000.00-0.277-0.1740.034
put65.000.001.556.380.3395.000.00-0.519-0.0740.040
put70.003.008.007.601.1670.000.00-0.717-0.1490.034
put75.008.0012.900.001.5210.000.00-0.788-0.1720.029
put80.0013.0017.900.001.8210.000.00-0.819-0.1940.027

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-22144Filing for proposed sale of securities under Rule 144.SEC
2026-09-184Statement of changes in beneficial ownership of securities2026-09-17SEC
2026-09-184Statement of changes in beneficial ownership of securities2026-09-17SEC
2026-09-104Statement of changes in beneficial ownership of securities2026-09-09SEC
2026-08-284Statement of changes in beneficial ownership of securities2026-08-27SEC
2026-08-264Statement of changes in beneficial ownership of securities2026-08-24SEC
2026-08-218-KCurrent report2026-08-21SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-06SCHEDULE 13G/ASEC
2026-07-288-KCurrent report2026-07-28SEC
2026-07-20144Filing for proposed sale of securities under Rule 144.SEC
2026-06-294Statement of changes in beneficial ownership of securities2026-06-25SEC
2026-06-26144Filing for proposed sale of securities under Rule 144.SEC
2026-06-1811-KAnnual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)2025-12-31SEC
2026-06-184Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-184Statement of changes in beneficial ownership of securities2026-06-18SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-104Statement of changes in beneficial ownership of securities2026-06-08SEC
2026-06-08144/ASEC
2026-06-08144Filing for proposed sale of securities under Rule 144.SEC
2026-06-018-KCurrent report2026-06-01SEC
2026-05-228-KCurrent report2026-05-20SEC
2026-05-138-KCurrent report2026-05-13SEC
2026-05-0810-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-06SCHEDULE 13GSEC
2026-05-054Statement of changes in beneficial ownership of securities2026-05-04SEC
2026-05-014Statement of changes in beneficial ownership of securities2026-04-29SEC
2026-05-014Statement of changes in beneficial ownership of securities2026-04-29SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-0924.99K100
2026-0850.28K200
2026-070000
2026-0600944.75K2
2026-050000
2026-040000
2026-030000
2026-0200662.68K3
2026-010000
2025-1200203.05K1
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.38%
FMR LLC7.23%
VANGUARD PORTFOLIO MANAGEMENT LLC6.75%
Neuberger Berman Group LLC6.58%
STATE STREET CORP6.31%
VANGUARD CAPITAL MANAGEMENT LLC4.50%
DIMENSIONAL FUND ADVISORS LP3.53%
MORGAN STANLEY3.20%
GEODE CAPITAL MANAGEMENT, LLC2.58%
FEDERATED HERMES, INC.1.41%

Funds

Fund% owned
Neuberger Genesis Fund3.34%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.18%
iShares Russell 2000 ETF2.59%
VANGUARD SMALL-CAP INDEX FUND2.30%
Fidelity Stock Selector Small Cap Fund1.55%
VANGUARD SMALL-CAP VALUE INDEX FUND1.45%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Calvert Small Cap Fund1.14%
Fidelity Small Cap Index Fund1.12%
State Street(R) SPDR(R) S&P(R) Dividend ETF0.96%

OakChart. CBU. Cached 15 minutes.