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CBU DRIP Calculator & Dividend Yield 2026
3.04% YieldFinancial ServicesCommunity Bank System, Inc. · NYSE
Price: $62.42 · Annual div: $1.90/share · Frequency: quarterly · Payout ratio: 48% · Ex-div: 2026-12-15
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
Click to apply scenario to the calculator
🎯 When CBU pays your bills
Year your monthly dividend income covers each expense (based on current settings)
CBU Dividend History — Last 80 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-12-15Latest | 2027-01-11 | $0.4900 | — | — |
| 2026-09-15 | 2026-10-13 | $0.4900 | 3.07% | $61.94 |
| 2026-06-15 | 2026-07-10 | $0.4700 | 3.00% | $62.70 |
| 2026-03-16 | 2026-04-10 | $0.4700 | 3.07% | $60.98 |
| 2025-12-12 | 2026-01-12 | $0.4700 | 4.00% | $57.99 |
| 2025-09-12 | 2025-10-10 | $0.4700 | 3.89% | $59.37 |
| 2025-06-13 | 2025-07-10 | $0.4600 | 4.13% | $55.40 |
| 2025-03-14 | 2025-04-10 | $0.4600 | 2.86% | $64.04 |
| 2024-12-13 | 2025-01-10 | $0.4600 | 2.63% | $69.10 |
| 2024-09-13 | 2024-10-10 | $0.4600 | 2.98% | $60.71 |
| 2024-06-14 | 2024-07-10 | $0.4500 | 4.02% | $44.76 |
| 2024-03-14 | 2024-04-10 | $0.4500 | 3.96% | $45.19 |
| 2023-12-14 | 2024-01-10 | $0.4500 | 3.79% | $46.93 |
| 2023-09-14 | 2023-10-10 | $0.4500 | 3.73% | $47.47 |
| 2023-06-14 | 2023-07-10 | $0.4400 | 3.51% | $50.10 |
| 2023-03-14 | 2023-04-10 | $0.4400 | 2.90% | $60.31 |
| 2022-12-14 | 2023-01-10 | $0.4400 | 2.68% | $64.91 |
| 2022-09-14 | 2022-10-10 | $0.4400 | 2.65% | $65.26 |
| 2022-06-14 | 2022-07-11 | $0.4300 | 2.61% | $65.90 |
| 2022-03-14 | 2022-04-11 | $0.4300 | 2.41% | $70.95 |
| 2021-12-14 | 2022-01-10 | $0.4300 | 2.41% | $70.61 |
| 2021-09-14 | 2021-10-08 | $0.4300 | 2.30% | $73.47 |
| 2021-06-14 | 2021-07-09 | $0.4200 | 2.06% | $81.52 |
| 2021-03-12 | 2021-04-09 | $0.4200 | 2.85% | $72.94 |
| 2020-12-11 | 2021-01-11 | $0.4200 | — | — |
| 2020-09-14 | 2020-10-09 | $0.4200 | — | — |
| 2020-06-12 | 2020-07-10 | $0.4100 | — | — |
| 2020-03-13 | 2020-04-09 | $0.4100 | — | — |
| 2019-12-12 | 2020-01-10 | $0.4100 | — | — |
| 2019-09-13 | 2019-10-10 | $0.4100 | — | — |
| 2019-06-13 | 2019-07-10 | $0.3800 | — | — |
| 2019-03-14 | 2019-04-10 | $0.3800 | — | — |
| 2018-12-13 | 2019-01-10 | $0.3800 | — | — |
| 2018-09-13 | 2018-10-10 | $0.3800 | — | — |
| 2018-06-14 | 2018-07-10 | $0.3400 | — | — |
| 2018-03-14 | 2018-04-10 | $0.3400 | — | — |
| 2017-12-14 | 2018-01-10 | $0.3400 | — | — |
| 2017-09-14 | 2017-10-10 | $0.3400 | — | — |
| 2017-06-13 | 2017-07-10 | $0.3200 | — | — |
| 2017-03-13 | 2017-04-10 | $0.3200 | — | — |
| 2016-12-13 | 2017-01-10 | $0.3200 | — | — |
| 2016-09-13 | 2016-10-10 | $0.3200 | — | — |
| 2016-08-10 | — | $0.5000 | — | — |
| 2016-06-13 | 2016-07-11 | $0.3100 | — | — |
| 2016-03-11 | 2016-04-11 | $0.3100 | — | — |
| 2015-12-11 | 2016-01-11 | $0.3100 | — | — |
| 2015-09-11 | 2015-10-09 | $0.3100 | — | — |
| 2015-06-11 | 2015-07-10 | $0.3000 | — | — |
| 2015-05-13 | — | $0.4500 | — | — |
| 2015-03-12 | 2015-04-10 | $0.3000 | — | — |
| 2014-12-11 | 2015-01-09 | $0.3000 | — | — |
| 2014-09-11 | 2014-10-10 | $0.3000 | — | — |
| 2014-06-12 | 2014-07-10 | $0.2800 | — | — |
| 2014-03-12 | 2014-04-10 | $0.2800 | — | — |
| 2013-12-12 | 2014-01-10 | $0.2800 | — | — |
| 2013-09-12 | 2013-10-10 | $0.2800 | — | — |
| 2013-06-12 | 2013-07-10 | $0.2700 | — | — |
| 2013-03-13 | 2013-04-10 | $0.2700 | — | — |
| 2012-12-12 | 2013-01-10 | $0.2700 | — | — |
| 2012-09-12 | 2012-10-10 | $0.2700 | — | — |
| 2012-06-13 | 2012-07-10 | $0.2600 | — | — |
| 2012-03-13 | 2012-04-10 | $0.2600 | — | — |
| 2011-12-13 | 2012-01-10 | $0.2600 | — | — |
| 2011-09-13 | 2011-10-07 | $0.2600 | — | — |
| 2011-06-13 | 2011-07-11 | $0.2400 | — | — |
| 2011-03-11 | 2011-04-10 | $0.2400 | — | — |
| 2010-12-13 | 2011-01-10 | $0.2400 | — | — |
| 2010-09-13 | 2010-10-11 | $0.2400 | — | — |
| 2010-06-11 | 2010-07-09 | $0.2400 | — | — |
| 2010-03-11 | 2010-04-09 | $0.2200 | — | — |
| 2009-12-11 | 2010-01-11 | $0.2200 | — | — |
| 2009-09-11 | 2009-10-09 | $0.2200 | — | — |
| 2009-06-11 | 2009-07-10 | $0.2200 | — | — |
| 2009-03-12 | 2009-04-10 | $0.2200 | — | — |
| 2008-12-11 | 2009-01-09 | $0.2200 | — | — |
| 2008-09-11 | 2008-10-10 | $0.2200 | — | — |
| 2008-06-12 | 2008-07-10 | $0.2100 | — | — |
| 2008-03-12 | 2008-04-10 | $0.2100 | — | — |
| 2007-12-12 | 2008-01-10 | $0.2100 | — | — |
| 2007-09-12 | 2007-10-10 | $0.2100 | — | — |
About Community Bank System, Inc. (CBU) — Dividend Analysis 2026
Community Bank System, Inc. (CBU) serves as the parent company for Community Bank, N.A., providing a broad array of banking and financial services to a diverse clientele including individual consumers, businesses, and local government entities. Its operations are structured into three primary divisions: Banking, Employee Benefit Services, and a residual "All Other" category. The company offers a comprehensive suite of deposit products, such as checking, savings, and money market accounts, alongside certificates of deposit. Its lending portfolio is equally varied, extending to consumer mortgages, personal installment loans, and lines of credit for individuals, as well as home equity products. For commercial clients, Community Bank System provides general purpose commercial and industrial loans, mortgages on commercial properties, and historically, Paycheck Protection Program loans. Additionally, it facilitates specialized installment loans for vehicles like automobiles, boats, and other recreational vehicles through partnerships with selected dealerships. Beyond traditional banking, the institution delivers broker-dealer and investment advisory services, along with extensive cash management, treasury, and asset management solutions. It also operates a full-service insurance agency, offering personal and commercial lines of insurance and various risk management products. The Employee Benefit Services segment provides a robust offering, including administration for contribution plans, employee benefit trusts, and collective investment funds. This segment also handles retirement plan administration, fund administration, transfer agency functions, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting. Furthermore, Community Bank System provides comprehensive wealth management services, covering retirement, higher education, and personal financial planning. It offers fiduciary and trust services, risk management advice, and access to diverse investment alternatives such as stocks, bonds, mutual funds, and advisory products, alongside master recordkeeping services. As of January 24, 2022, the company operated approximately 215 customer facilities geographically spread across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and maintains its corporate headquarters in DeWitt, New York.
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Forward dividend yield from the latest data · open any DRIP calculator
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 CBU Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold CBU.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.04% | 0.24% | $304 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.58% | -0.22% | $258 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.43% | -0.37% | $243 / yr |
| 🇬🇧 UK ISA | 0% | 3.04% | 0.24% | $304 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.77% | -0.03% | $277 / yr |
| 🇨🇦 TFSA | 0% | 3.04% | 0.24% | $304 / yr |
| 🇨🇦 CA Taxable | 25% | 2.28% | -0.52% | $228 / yr |
| 🇦🇺 Super (pension) | 15% | 2.58% | -0.22% | $258 / yr |
| 🇦🇺 AU Taxable | 30% | 2.13% | -0.67% | $213 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.24% | -0.56% | $224 / yr |
| 🇫🇷 FR Taxable | 30% | 2.13% | -0.67% | $213 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 CBU Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $1.90/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 CBU Dividend Payment Schedule
CBU pays quarterly — 4 times per year. Ex-div: 2026-12-15.
📊 CBU vs Financial Services Benchmarks
How CBU compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CBU sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ CBU Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2026-09-17 | 346.503 | — | — | ||
| A-Award | 2026-09-17 | 396.288 | — | — | ||
| Buy | 2026-09-09 | 400 | $62.47 | $25.0K | ||
| Buy | 2026-08-27 | 317 | $63.11 | $20.0K | ||
| Buy | 2026-08-24 | 476 | $63.59 | $30.3K | ||
| Sale | 2026-06-25 | 12,190.833 | $67.00 | $816.8K | ||
| A-Award | 2026-06-18 | 406.189 | — | — | ||
| A-Award | 2026-06-18 | 320.461 | — | — | ||
| M-Exempt | 2026-06-10 | 1,196 | $44.27 | $52.9K | ||
| M-Exempt | 2026-06-10 | 427 | $51.64 | $22.1K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Peer Group
Similar companies in the same sectorCompare CBU with peers: CBU vs BKU · CBU vs CATY · CBU vs FBK
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-09-09
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CBU dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Community Bank System, Inc. (CBU) is currently trading at $62.42, 12% below its 52-week high. The current dividend yield is 3.04% based on an annual payout of $1.90 per share.
CBU (Community Bank System, Inc.) — 3.04% Dividend Yield Analysis
Community Bank System, Inc. (CBU) is a financial services stock currently trading at $62.42 with a dividend yield of 3.04%. It pays an annual dividend of $1.90 per share. The payout ratio of 48% suggests the dividend is well-covered by earnings. Over the past 5 years, CBU has grown its dividend at a compound annual rate of 2.4%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
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