CBU
Community Financial System, Inc. Financial Services - Banks - Regional Investor Relations →
Community Financial System, Inc. (CBU) closed at $66.39 as of 2026-02-02, trading 25.9% above its 200-week moving average of $52.74. The stock moved further from the line this week, up from 18.6% last week. With a 14-week RSI of 84, CBU is in overbought territory.
Over the past 2049 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 $3.5 billion, CBU is a mid-cap stock. Return on equity stands at 11.2%. The stock trades at 1.7x book value.
Over the past 33.2 years, a hypothetical investment of $100 in CBU would have grown to $3464, compared to $2849 for the S&P 500. That represents an annualized return of 11.3% vs 10.6% 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 5.4% compound annual rate, with 4 consecutive years of positive cash generation.
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 +8.8% after 12 months (median +12.0%), compared to +17.1% for the S&P 500 over the same periods. 68% 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% | +5250.0% |
| Jan 1987 | Feb 1987 | 1 | 0.3% | -6.8% | +5176.7% |
| Mar 1987 | Sep 1987 | 25 | 11.4% | -6.9% | +5250.0% |
| Oct 1987 | Sep 1989 | 99 | 26.4% | -13.8% | +5482.6% |
| Oct 1989 | Aug 1991 | 94 | 50.7% | -45.5% | +5736.4% |
| Aug 1991 | Sep 1991 | 4 | 2.6% | +62.5% | +7042.2% |
| Sep 1991 | Nov 1991 | 8 | 4.7% | +73.7% | +7079.7% |
| Dec 1991 | Dec 1991 | 1 | 4.1% | +81.4% | +7223.3% |
| May 1999 | Jun 1999 | 1 | 0.2% | +5.7% | +1411.5% |
| Dec 1999 | Sep 2000 | 40 | 15.6% | +7.4% | +1359.2% |
| Oct 2000 | Oct 2000 | 1 | 2.0% | +15.2% | +1240.1% |
| Nov 2000 | Dec 2000 | 5 | 9.6% | +12.0% | +1224.7% |
| May 2006 | Jul 2006 | 11 | 7.0% | +11.6% | +570.2% |
| Feb 2007 | Jan 2008 | 47 | 20.0% | +9.8% | +510.9% |
| Jun 2008 | Jul 2008 | 1 | 2.6% | -26.7% | +493.4% |
| Jan 2009 | Dec 2009 | 48 | 32.1% | -2.5% | +475.9% |
| Jan 2010 | Jan 2010 | 1 | 0.8% | +48.3% | +498.0% |
| Mar 2020 | Mar 2020 | 1 | 7.5% | +59.8% | +54.4% |
| May 2020 | May 2020 | 2 | 7.7% | +60.4% | +52.2% |
| Jun 2020 | Jul 2020 | 5 | 6.8% | +43.3% | +40.0% |
| Jul 2020 | Aug 2020 | 1 | 0.8% | +30.5% | +39.5% |
| Sep 2020 | Oct 2020 | 2 | 6.1% | +29.1% | +46.1% |
| Jun 2022 | Jun 2022 | 2 | 2.6% | -11.6% | +18.6% |
| Sep 2022 | Oct 2022 | 5 | 4.9% | -27.3% | +23.4% |
| Dec 2022 | Jan 2023 | 4 | 5.8% | -18.4% | +20.0% |
| Jan 2023 | Jul 2024 | 78 | 35.5% | -16.1% | +20.8% |
| Oct 2024 | Oct 2024 | 1 | 0.3% | +4.7% | +22.1% |
| Mar 2025 | Apr 2025 | 4 | 7.1% | N/A | +31.9% |
| Jun 2025 | Jun 2025 | 1 | 0.7% | N/A | +24.8% |
| Jul 2025 | Aug 2025 | 2 | 5.2% | N/A | +24.2% |
| Average | 17 | — | +13.3% | — |
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 Friday close, 2026-02-02