CBU (Community Financial System) Dividend Payout Ratio: 0.41 (As of Mar. 2026) — 13% Below Median

What is Community Financial System Dividend Payout Ratio?

Community Financial System CBU -0.38% 63 Dividend Payout Ratio is 0.41 as of Mar. 2026, which is 13% below its 10-year median of 0.47. GuruFocus rates CBU with a GF Score™ of 63/100 and a GF Value™ of $64.64 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,168 Banks companies, Community Financial System ranks worse than 67.29% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Community Financial System's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.41.

The historical rank and industry rank for Community Financial System's Dividend Payout Ratio or its related term are showing as below:

CBU' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.43 Med: 0.47 Max: 0.53
Current: 0.43

During the past 13 years, the highest Dividend Payout Ratio of Community Financial System was 0.53. The lowest was 0.43. And the median was 0.47.

CBU's Dividend Payout Ratio is ranked worse than
67.29% of 1168 companies
in the Banks industry
Industry Median: 0.32 vs CBU: 0.43

As of today (2026-06-26), the Dividend Yield % of Community Financial System is 2.81%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Community Financial System was 4.58%. The lowest was 2.01%. And the median was 2.61%.

Community Financial System's Dividends per Share for the months ended in Mar. 2026 was $0.47.

During the past 12 months, Community Financial System's average Dividends Per Share Growth Rate was 2.20% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 2.20% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 2.30% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 4.60% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Community Financial System was 14.50% per year. The lowest was 0.00% per year. And the median was 5.70% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Community Financial System (NYSE:CBU) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Community Financial System Dividend Payout Ratio Related Terms

Community Financial System Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Community Financial System's Dividend Payout Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Community Financial System Dividend Payout Ratio Chart

Community Financial System Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

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0.47

0.50

0.46

Community Financial System Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															0.47	0.44	0.43	0.42	0.41

CBU vs WSBC, BKU, FHB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Community Financial System's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Community Financial System Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Community Financial System's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Community Financial System's Dividend Payout Ratio falls into.

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63GF Score

Community Financial System Inc CBU

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Community Financial System Dividend Payout Ratio Calculation

Community Financial System's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	1.86	/	4.044
	=	0.46

Community Financial System's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	0.47	/	1.15
	=	0.41

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 0.41 mean?

Community Financial System (CBU) has a Dividend Payout Ratio of 0.41 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Community Financial System and its competitors. This is 13% below median its historical median of 0.47. Over the past decade, Community Financial System's Dividend Payout Ratio has ranged from 0.43 to 0.53. According to the industry distribution chart, Community Financial System ranks #786 out of 1168 companies in the Banks industry, placing it in the top 67.3%.

Is Community Financial System's Dividend Payout Ratio too high?

Community Financial System's current Dividend Payout Ratio of 0.41 is 13% below median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.43 to a high of 0.53. The Banks industry median Dividend Payout Ratio is 0.32. Community Financial System's value of 0.41 is 28.1% above this industry median. Based on the distribution chart, Community Financial System ranks #786 out of 1168 companies in the Banks industry, which is below the industry midpoint. Overall, Community Financial System has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Community Financial System's Dividend Payout Ratio compare to WSBC and BKU?

According to the Banks industry distribution chart, Community Financial System ranks #786 out of 1168 companies for Dividend Payout Ratio. This places Community Financial System in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Community Financial System's value of 0.41 is 28.1% above this benchmark. Historically, Community Financial System's own Dividend Payout Ratio has ranged from 0.43 to 0.53 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.32, Community Financial System has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Financial System's current Dividend Payout Ratio of 0.41 is 28.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Community Financial System and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Financial System's current Dividend Payout Ratio is 0.41, which is 13% below median its own 10-year median of 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Community Financial System stock overvalued right now?

Based on GuruFocus' analysis, Community Financial System (CBU) is currently considered Fairly Valued. The stock's GF Value™ is $64.64, compared to a current price of $67.47 — trading 4.4% above its estimated fair value. The current Dividend Payout Ratio is 0.41, which is 13% below median its 10-year median of 0.47 and 28.1% above the Banks industry median of 0.32. Community Financial System's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Community Financial System (CBU), the current Dividend Payout Ratio is 0.41 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Community Financial System (CBU) Overvalued in 2026?

Based on GuruFocus' analysis, Community Financial System stock appears to be overvalued. The current stock price of $67.47 is trading 4.4% above its estimated GF Value™ of $64.64. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

Dividend Payout Ratio: 0.41 (13% below median its 10-year median of 0.47)
GF Value™: $64.64 vs. price of $67.47 (4.4% above fair value)
GF Score™: 63/100 with 5 warning signs
Industry Position: 28.1% above the Banks median (#786 of 1168)

No single metric tells the full story. See the CBU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Community Financial System Business Description

Industry Financial Services Banks

Comparable Companies WSBC BKU FHB MCHB FIBK FFBC SFNC TOWN PRK CVBF SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Other Exchanges CBY:Germany

Address 333 Butternut Drive, Syracuse, NY, USA, 13214-2141

Website https://www.communityfinancialsystem.com

Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.

63GF Score

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Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.47

Price

$64.64

GF Value

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