Community Financial System, Inc.

Stage 4 · Declining · week 2

As of Oct 22, 2026, Community Financial System is in Stage 4, the downtrend phase, now in week 2 (since Oct 15, 2026). It closed at $62.37, 11.5% below its 52-week high and above its 200-day average, which is rising.

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. More about the company

$62.37

+2.68% today

$3.3B · Mid cap

Market Neutral — Building

Pro read

Pro

Our read

Declining, below its long-term trend

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S4 14w

S2 30w

S2 16w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S1 2w → S4 14w → S1 5w → S2 7w → S3 3w → S4 7w → S1 1w → S2 4w → S3 3w → S2 30w → S3 9w → S4 10w → S1 6w → S4 3w → S1 6w → S2 5w → S3 6w → S2 13w → S3 8w → S2 16w → S3 5w → S4 1w current

Total tracked: 165 weeks across 22 stage runs.

CBU among Banks - Regional255th of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…255	CBUCommunity Financial System, Inc.	Stage 4 · wk 2	66	+2.8%

vs 52W High

-11.5%

$52.04 lo$70.44 hi

11.5% below 52W high, failed near resistance

In Stage 4, distance from the 52-week high reflects an ongoing decline, not a discount.

Stage Maturity

Week 2

1w13w26w

Week 2, early Stage 4 decline

How long this stock has been in Stage 4 decline. The longer the downtrend, the more entrenched the selling pressure. No length of decline marks a bottom on its own.

vs 200 DMA

0.5%

200 DMA: $62.05 · rising

In Stage 4, the stock is below its 200-day average, the hallmark of a downtrend. Stage analysis waits for that to reverse before buying.

Rel Volume

0.67x

vs 50-day avg

High volume on down days in Stage 4 confirms institutional selling. Low-volume bounces are typical. They lack real buyers and are easy to mistake for reversals.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

+2.8%

-6.5%

+0.3%

YTD

+9.9%

+14.5%

Scan Membership

Breakout Watch

Latest: 2024-07-09

8 appearances in last 60 days. First seen: 2019-01-16.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S4

Wk 2 · Vol 0.67x

2026-10-21S4

Wk 1 · Vol 0.41x

2026-10-20S4

Wk 1 · Vol 0.58x

2026-10-19S4

Wk 1 · Vol 0.89x

2026-10-16S4

Wk 1 · Vol 0.96x

2026-10-15S43→4

Wk 1 · Vol 0.96x

2026-10-14S3

Wk 5 · Vol 1.27x

2026-10-13S3

Wk 5 · Vol 0.87x

2026-10-12S3

Wk 5 · Vol 0.75x

2026-10-09S3

Wk 5 · Vol 1.25x

2026-10-08S3

Wk 5 · Vol 1.33x

2026-10-07S3

Wk 4 · Vol 1.27x

Moving averages & range

50 DMA

$61.55

200 DMA

$62.05

52W High

$70.44

52W Low

$52.04

5D Low

$59.85

Resistance levels (recent highs)

20d High

$62.37

60d High

$66.23

120d High

$70.44

250d High

$70.44

Next resistance

+6.2%

to 60d High

P/E (TTM)

14.5

Forward 12.0

Earnings Growth (YoY)

+19.8%

Revenue +12.0%

ROE

+11.5%

Profit margin +27.2%

Dividend Yield

3.13%

P/B 1.6

Community Financial System: quick answers

What stage is Community Financial System in?

As of Oct 22, 2026, Community Financial System (CBU) is in Stage 4, the downtrend phase. It entered Stage 4 on Oct 15, 2026 and is in week 2. What the four stages mean

Is Community Financial System in an uptrend?

No. Community Financial System is in a Stage 4 downtrend. It trades 0.5% above its 200-day average, which is rising.

How far is Community Financial System from its 52-week high?

Community Financial System closed at $62.37 on Oct 22, 2026, 11.5% below its 52-week high of $70.44. Its 52-week low is $52.04.

How has Community Financial System performed over the past year?

As of Oct 22, 2026, Community Financial System is up 14.5% over the past year and up 9.9% so far in 2026.

Which sector and industry is Community Financial System in?

Community Financial System is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.