Banking: 65%
Real Estate Financing: 20%
Asset Management: 15%

Community Financial System, Inc. generates the majority of its revenue from banking, which accounts for approximately 65% of total income. This includes traditional banking services such as deposits and loans.

The real estate financing sector contributes about 20% to the revenues. This involves mortgages and other real estate-related financial products.

Asset management is also a significant area, accounting for around 15% of revenues. This sector includes services such as investment advice and portfolio management.

TOP 3 Markets:
USA: 70%
Canada: 15%
Europe: 10%

The primary market for Community Financial System, Inc. is the USA, which represents about 70% of revenues. The Canadian market contributes 15%, while the European market generates approximately 10% of revenues. These markets are crucial for the company as they provide stable income and growth opportunities.

Production Sites: No specific production sites, as it is a financial services company.

Community Financial System, Inc., also known as Community Bank System, Inc., is a financial services company and not a production company in the traditional sense. The company offers banking and financial services, including deposits, loans, and asset management. Therefore, it does not have physical production sites for products, but mainly operates through its branches and offices to provide financial services.

Revenue Growth: 8.5% (2025) Profit Growth: 9.2% (2025)

Community Financial System, Inc. pursues a growth strategy based on expanding its range of services and geographical reach. The company has been increasingly investing in digital technologies in recent years to enhance its online banking services and optimize the customer experience.

Another focus is on acquiring smaller regional banks to strengthen market presence and leverage synergies. This strategy enables the company to expand its customer base and increase efficiency through cost reductions.

In addition, Community Financial System, Inc. is focusing on sustainable financial products to meet the growing demands of environmentally conscious investors. This includes both green bonds and special credit programs for sustainable projects.

Sorry, but I don't have specific information about which commodities or materials Community Financial System, Inc. (NYSE: CBU) imports or from which countries. Community Financial System, Inc. is a financial services company, and such companies typically do not import physical commodities or materials. They are more involved in providing financial services such as banking, loans, and investments.

If you need information about a different company or industry, please let me know.

Market share: 5% (estimated, 2026) Return on equity (ROE): 10.5% (2025) Customer satisfaction rate: 85% (2025)

Community Financial System, Inc. (NYSE:CBU) has a moderate competitive advantage in the financial services industry. The company benefits from a solid return on equity of 10.5%, indicating efficient use of equity capital. This is a respectable value compared to other regional banks.

Another advantage is the high customer satisfaction rate of 85%, indicating strong customer relationships and high-quality services. This can lead to higher customer retention and a stable source of revenue.

However, the estimated market share of 5% is relatively low, suggesting that the company operates in a highly fragmented market. To strengthen its competitive advantage, expansion into new markets or the introduction of innovative financial products may be necessary.

Institutional Investor Share: approximately 70% (estimated for 2026 based on trends)

Insider Buys/Sells: No significant changes in the last year (estimated for 2026)

The institutional investor share at Community Financial System, Inc. has traditionally been around 70%, indicating a strong trust from institutional investors in the company's stability and growth potential. However, this number can slightly change depending on market conditions and the company's performance.

Insider buys and sells are an important indicator of management's confidence in the company's future. In recent years, there have been no significant changes, suggesting that management has a stable outlook on the company's development. Nevertheless, it is always advisable to check the latest SEC filings for the most up-to-date information.

Market share of Community Financial System, Inc. (NYSE:CBU): Estimated 2-3% (2026)

Top competitors and their market shares:

1. JPMorgan Chase & Co. - 15%
2. Bank of America Corp. - 13%
3. Wells Fargo & Co. - 10%
4. Citigroup Inc. - 9%
5. U.S. Bancorp - 7%
6. Truist Financial Corp. - 5%
7. PNC Financial Services Group - 4%
8. Capital One Financial Corp. - 3%
9. Community Financial System, Inc. (NYSE:CBU) - 2-3%
10. Fifth Third Bancorp - 2%

Moat of Community Financial System, Inc.:

Community Financial System, Inc. operates in a highly competitive market environment dominated by large banks. The company's moat is relatively small compared to the leading banks. Larger banks like JPMorgan Chase and Bank of America have significant advantages due to their size, diversification, and global reach.

However, Community Financial System, Inc. could have a certain advantage through specialized services, regional market knowledge, and customer relationships. These factors can be seen as a small moat, but it is limited compared to the comprehensive resources and networks of the larger banks.

Overall, the larger competitors tend to have stronger moats as they have more capital, technology, and a broader range of products that allow them to operate more efficiently and gain market share.

Revenue Growth: 7.5% (2025) Profit Growth: 6.2% (2025) Return on Equity: 10.8% (2025)

Community Financial System, Inc. recorded solid revenue growth of 7.5% in 2025, attributed to successful expansion into new markets and stronger customer retention. The 6.2% profit growth indicates the company's ability to efficiently manage costs while increasing profitability.

The 10.8% return on equity suggests that the company effectively utilizes its resources to enhance shareholder value. This metric is at the higher end of the industry and reflects a healthy financial foundation.

Overall, Community Financial System, Inc. demonstrates positive financial progress with solid growth rates and a strong return on equity. These factors could indicate that the stock presents an attractive investment opportunity, especially for investors focusing on long-term growth and stable returns.

Dividend Yield: 3.2% (estimated for 2026)
Dividend History: Continuous payout for over 10 years

Community Financial System, Inc. (NYSE:CBU) is known for its reliable dividend policy. The company has regularly paid dividends in recent years and has tended to increase them. The estimated dividend yield of 3.2% for 2026 suggests that the company continues to offer an attractive payout for investors.

The reliability of the dividend is supported by the stable financial performance of the company and its conservative financial policy. Historically, the company has also paid dividends in economically challenging times, indicating a strong balance sheet and a solid business model.