CBU
Community Financial System, Inc. Financial Services - Banks - Regional Investor Relations →
Community Financial System, Inc. (CBU) closed at $56.29 as of 2026-03-20, trading 7.4% above its 200-week moving average of $52.40. The stock is currently moving closer to the line, down from 8.7% last week. The 14-week RSI sits at 43, indicating neutral momentum.
Trading volume is running at 1.8x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.09 ratio) is neutral — neither side is clearly dominating.
Over the past 2055 weeks of data, CBU has crossed below its 200-week moving average 30 times. On average, these episodes lasted 17 weeks. Historically, investors who bought CBU at the start of these episodes saw an average one-year return of +13.3%.
With a market cap of $3.0 billion, CBU is a mid-cap stock. Return on equity stands at 11.2%. The stock trades at 1.5x book value.
Over the past 33.2 years, a hypothetical investment of $100 in CBU would have grown to $2961, compared to $2683 for the S&P 500. That represents an annualized return of 10.7% vs 10.4% for the index — confirming CBU as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been growing at a 5% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: CBU vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After CBU Crosses Below the Line?
Across 25 historical episodes, buying CBU when it crossed below its 200-week moving average produced an average return of +9.1% after 12 months (median +13.0%), compared to +17.1% for the S&P 500 over the same periods. 70% of those episodes were profitable after one year. After 24 months, the average return was +23.2% vs +20.6% for the index.
Each line shows $100 invested at the moment CBU crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
CBU has crossed below its 200-week MA 30 times with an average 1-year return of +13.3% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Nov 1986 | Jan 1987 | 6 | 11.4% | -20.1% | +4473.6% |
| Jan 1987 | Feb 1987 | 1 | 0.3% | -6.8% | +4410.9% |
| Mar 1987 | Sep 1987 | 25 | 11.4% | -6.9% | +4473.6% |
| Oct 1987 | Sep 1989 | 99 | 26.4% | -13.8% | +4672.4% |
| Oct 1989 | Aug 1991 | 94 | 50.7% | -45.5% | +4889.3% |
| Aug 1991 | Sep 1991 | 4 | 2.6% | +62.5% | +6005.6% |
| Sep 1991 | Nov 1991 | 8 | 4.7% | +73.7% | +6037.7% |
| Dec 1991 | Dec 1991 | 1 | 4.1% | +81.4% | +6160.5% |
| May 1999 | Jun 1999 | 1 | 0.2% | +5.7% | +1192.1% |
| Dec 1999 | Sep 2000 | 40 | 15.6% | +7.4% | +1147.4% |
| Oct 2000 | Oct 2000 | 1 | 2.0% | +15.2% | +1045.6% |
| Nov 2000 | Dec 2000 | 5 | 9.6% | +12.0% | +1032.4% |
| May 2006 | Jul 2006 | 11 | 7.0% | +11.6% | +472.9% |
| Feb 2007 | Jan 2008 | 47 | 20.0% | +9.8% | +422.2% |
| Jun 2008 | Jul 2008 | 1 | 2.6% | -26.7% | +407.3% |
| Jan 2009 | Dec 2009 | 48 | 32.1% | -2.5% | +392.3% |
| Jan 2010 | Jan 2010 | 1 | 0.8% | +48.3% | +411.2% |
| Mar 2020 | Mar 2020 | 1 | 7.5% | +59.8% | +32.0% |
| May 2020 | May 2020 | 2 | 7.7% | +60.4% | +30.1% |
| Jun 2020 | Jul 2020 | 5 | 6.8% | +43.3% | +19.7% |
| Jul 2020 | Aug 2020 | 1 | 0.8% | +30.5% | +19.3% |
| Sep 2020 | Oct 2020 | 2 | 6.1% | +29.1% | +24.9% |
| Jun 2022 | Jun 2022 | 2 | 2.6% | -11.6% | +1.4% |
| Sep 2022 | Oct 2022 | 5 | 4.9% | -27.3% | +5.5% |
| Dec 2022 | Jan 2023 | 4 | 5.8% | -18.4% | +2.5% |
| Jan 2023 | Jul 2024 | 78 | 35.5% | -16.1% | +3.3% |
| Oct 2024 | Oct 2024 | 1 | 0.3% | +4.7% | +4.4% |
| Mar 2025 | Apr 2025 | 4 | 7.1% | N/A | +12.7% |
| Jun 2025 | Jun 2025 | 1 | 0.7% | N/A | +6.6% |
| Jul 2025 | Aug 2025 | 2 | 5.2% | N/A | +6.2% |
| Average | 17 | — | +13.3% | — |
Frequently Asked Questions
Is CBU below its 200-week moving average?
No. Community Financial System, Inc. (CBU) is currently 7.4% above its 200-week moving average of $52.40. It would need to fall to $52.40 to cross below the line.
What is CBU's 200-week moving average price?
Community Financial System, Inc.'s 200-week moving average is $52.40 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when CBU drops below its 200-week moving average?
CBU has crossed below its 200-week moving average 30 times in our data. On average, buying at that moment produced a one-year return of +13.3%. These dips have historically been decent entry points. These episodes lasted 17 weeks on average.
Is CBU a good value right now?
Here's what our data says about CBU as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 43. Return on equity is 11.2%. Price-to-book is 1.5x. This is not a buy or sell recommendation — always do your own research.
How does CBU compare to the S&P 500?
Over the past 33.2 years, $100 invested in CBU would have grown to $2961, compared to $2683 for the S&P 500. That's 10.7% annualized vs 10.4% for the index. CBU has outperformed the broader market over this period.
Does CBU pay a dividend?
Yes. Community Financial System, Inc. currently pays a dividend yield of 332.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20