Community Financial System, Inc.
CBUFinancial Services · Stock · quarterly payer
Forward Yield
3.00%
Annual Dividend
$1.90
Payout Ratio
44%
5-Yr Growth
2.3%
Ex-Date
Sep 15, 2026
Frequency
Quarterly
Summary
As of September 2026, Community Financial System, Inc. (CBU) yields 3.00% ($1.90 per share annually), with a blended fair-value estimate of $118.74 — +90% upside, so it screens as undervalued. Dividend safety grade: A (96/100). 9 years of dividend growth.
Is CBU a good dividend stock?
YesCommunity Financial System, Inc. (CBU) pays a quarterly dividend yielding 3.00% ($1.90/yr), with 9 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (44%)
- Top-tier dividend safety score
Risks
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 3.00%
- Payout Ratio
- 44%
- Annual Dividend
- $1.90
- 5-Yr Avg Growth
- 2.3%
- Ex-Dividend Date
- Sep 15, 2026
- Years of Growth
- 9
- Frequency
- quarterly
- Beta
- 0.79
- Market Cap
- $3.3B
- P/E Ratio
- 14.7
- 5-Yr Total Return
- -9%
- 52-Week Range
- $53.46 – $71.11
- Dividend Safety
- A · 96/100
- Ever Cut?
- No
Frequently Asked Questions
CBU Price — Last 12 Months
Daily close
Price Return
1 Year
+7%
3 Years
+48%
5 Years
-9%
52-Week Range
$53.46 – $71.11
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CBU worth?
Undervaluedlow confidenceOur blended fair-value estimate for Community Financial System, Inc. is $118.74 per share, versus a market price of $62.54. That implies 90% of upside — a margin of safety of about 47%.
Fair Value
$118.74
Current Price
$62.54
Upside
+90%
Margin of Safety
47%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about 1.6% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.2% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $4.31 EPS, $1.90 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CBU Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Sep 15, 2026 | — | $0.4900 | regular |
| Jun 15, 2026 | — | $0.4700 | regular |
| Mar 16, 2026 | — | $0.4700 | regular |
| Dec 12, 2025 | — | $0.4700 | regular |
| Sep 12, 2025 | — | $0.4700 | regular |
| Jun 13, 2025 | — | $0.4600 | regular |
| Mar 14, 2025 | — | $0.4600 | regular |
| Dec 13, 2024 | — | $0.4600 | regular |
| Sep 13, 2024 | — | $0.4600 | regular |
| Jun 14, 2024 | — | $0.4500 | regular |
| Mar 14, 2024 | — | $0.4500 | regular |
| Dec 14, 2023 | — | $0.4500 | regular |
| Sep 14, 2023 | — | $0.4500 | regular |
| Jun 14, 2023 | — | $0.4400 | regular |
Income Calculator
At $1.90 / yr per share
