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Community Bank

Full-service regional bank and lender

Overview

Community Bank (part of Community Financial System Inc.) is a full-service bank with over 200 branches across New York, New Hampshire, Pennsylvania, Vermont, and Massachusetts. It provides personal, business, and commercial banking services, including deposits, loans, and wealth management through its bank and affiliated subsidiaries. The bank operates with local decision-making, supported by about 3,000 employees who build long-term relationships with customers to tailor financial solutions. It emphasizes community involvement and diversity, and it earns trust as a member of the FDIC and Equal Housing Lender. Its goal is to help individuals and local businesses grow by financing needs, supporting community programs, and delivering financial expertise close to where customers live and work.

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About Community Bank

Simplify's Rating
Why Community Bank is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Town of Canton, New York

Founded

1981

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What believers are saying

  • Q3 2026 revenue rose 11.3% to $230.2 million, beating estimates.
  • Insurance services revenue rose 8.9%, and pretax earnings jumped 41% on flat expenses.
  • ClearPoint integration lifted wealth management revenue 41%, expanding cross-sell and advisory scale.

What critics are saying

  • Q4 2026 loan growth slows after large commercial payoffs and softer consumer demand.
  • Employee benefit services faced legal startup costs, showing execution risk in new collective investment trusts.
  • If insurance M&A stalls, Community Bank loses its main growth engine beyond core banking.

What makes Community Bank unique

  • Community Bank spans banking, insurance, wealth management, and employee benefits, diversifying earnings.
  • Q3 2026 record results proved fee businesses now drive 38% of operating revenues.
  • Specialty Treasury deposits added $110.8 million since year-end, strengthening funding stability.

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Benefits

  • Health Insurance
  • Vision Insurance
  • Dental Insurance
  • Paid Holidays
  • Paid Vacation
  • Tuition Reimbursement
  • 401(k) Company Match
  • Employee Discounts

Stock Price

Company News

Yahoo Finance
Oct 30th, 2026
Community Bank beats Q3 revenue estimates at $230.2M, up 11.3%, as analysts probe loan payoffs and M&A

Community Bank (CBU) reported third-quarter revenue of $230.2 million, up 11.3% year on year and 1.3% above analysts' estimates of $227.3 million. Adjusted earnings per share were $1.20, in line with the $1.19 forecast. Chief executive officer Dimitar Karaivanov said the bank hit record revenues and profitability in banking, insurance, and wealth management. Organic loan and deposit growth, cost discipline, and securities portfolio actions lifted net interest income and margin. On the earnings call, Karaivanov said the loan pipeline remains strong and should offset larger payoffs next quarter. He named insurance as the focus for acquisitions, with a robust deal pipeline. The bank has a market capitalisation of $3.29 billion. Shares trade at $63.05, up from $62.32 before the results.

Associated Press
Oct 26th, 2026
CB Financial Services swings to profit as Q3 adjusted EPS rises to $0.91, with $0.28 dividend

CB Financial Services, Inc. (NASDAQGM: CBFV), the holding company of Community Bank, reported third quarter 2026 results on October 26. Adjusted earnings per diluted share rose to $0.91 from $0.80 in the second quarter. Net interest and dividend income climbed 14.5% year on year to $15.0 million. Net interest margin improved to 3.75% from 3.64% a year earlier. Pre-tax income reached $5.8 million, against a $7.0 million loss in the third quarter of 2025, which included losses from a securities repositioning. Nonperforming loans stood at 0.28% of total loans. The Specialty Treasury program has added $110.8 million in deposits since year-end. The board declared a quarterly cash dividend of $0.28 per share, payable on or about November 27, 2026, to stockholders of record on November 13, 2026.

Associated Press
Apr 22nd, 2026
CB Financial Services reports Q1 2026 results, declares $0.28 quarterly dividend

CB Financial Services has reported its first quarter 2026 financial results and declared a quarterly cash dividend of $0.28 per share, payable on 29 May 2026. Total assets increased $35.6 million to $1.58 billion at 31 March 2026, driven by strong deposit growth. Net interest margin improved for the sixth consecutive quarter to 3.83%, up from 3.76% in the previous quarter, reflecting lower cost of funds and favourable deposit mix changes. The company's Specialty Treasury program added $28 million in new deposits since year-end. Commercial loans now represent 61.1% of the loan portfolio, up from 55.6% a year earlier. Asset quality remained strong with nonperforming loans at 0.29% of total loans. Book value per share stood at $31.30 at quarter-end. The company approaches its 125th anniversary on 1 July 2026.

Yahoo Finance
Feb 3rd, 2026
Community Bank beats revenue by 1.6% in Q4 with $215.6M, misses on adjusted EPS at $1.07

Community Bank reported fourth-quarter revenue of $215.6 million, beating analyst estimates of $212.2 million, though adjusted earnings per share of $1.07 missed expectations of $1.13. CEO Dimitar Karaivanov attributed the performance to mid-single-digit asset growth and expanding margins driving operating income growth. During the earnings call, analysts focused on loan pricing outlook, fee income growth potential and the ClearPoint acquisition's impact on the "death care" trust market. CFO Mariah Loss indicated loan yields are trending lower but expects continued margin benefits from asset repricing. Management highlighted cross-selling opportunities from its insurance and wealth management services. The company plans to prioritise loan growth for deploying maturing securities and expects deposit growth to accelerate as new branches mature. First-quarter expenses will be elevated due to seasonal factors.

Yahoo Finance
Jan 27th, 2026
CB Financial Services reports Q4 2025 results, announces 8% dividend increase

CB Financial Services has reported its fourth quarter and full year 2025 financial results and announced an 8% increase to its quarterly cash dividend. The holding company of Community Bank saw total assets reach $1.55 billion at 31 December 2025, up $2.2 million from the previous quarter. Net interest margin improved to 3.76% in the fourth quarter from 3.64% in the prior quarter, driven by a balance sheet repositioning strategy. The bank sold $129.6 million in lower-yielding investment securities and purchased $117.8 million in higher-yielding securities, expected to add nearly 19 basis points to net interest margin and approximately $0.40 to annual earnings per share. Commercial loans reached 61.3% of the loan portfolio, up from 54.7% a year earlier. Asset quality remained strong with nonperforming loans at 0.46% of total loans.

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