Community Financial System, Inc. (CBU) Stock Total Returns
Growth of $10,000 chart
2021-04-14 to 2026-04-14 to
$
%
%
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Investment Performance
Final Value
$9,066
Total Return
-9.34%
CAGR
-1.94%
Dividends
$1,224.20
Yield on Cost
12.24%
Rolling Returns
1-Month (21 Trading Days)
| Average | +0.07% |
| Median | -0.77% |
| Best | +40.25% |
| Worst | -18.48% |
| % of Windows Positive | 45.5% |
1-Year (252 Trading Days)
| Average | -0.74% |
| Median | -7.93% |
| Best | +76.87% |
| Worst | -36.64% |
| % of Windows Positive | 37.1% |
3-Year (756 Trading Days)
| Average | -7.08% |
| Median | -5.50% |
| Best | +36.18% |
| Worst | -42.63% |
| % of Windows Positive | 27.5% |
Risk Metrics
| Maximum Drawdown | -51.20% |
| Average Drawdown | -22.41% |
| Drawdown Duration | 1221 Trading Days (Unrecovered) |
| Sortino Ratio | 0.12 |
| Calmar Ratio | -0.04 |
| CVaR (5%) | -4.02% |
Yearly Returns
| Year | Percentage | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|
| 2026 partial | +8.63% (+33.73% ann.) | +$862.75 | $81.82 | $16.36 | $0.13 |
| 2025 | -4.46% | $445.74 | $304.53 | $60.91 | $0.49 |
| 2024 | +21.77% | +$2176.73 | $353.48 | $70.70 | $0.57 |
| 2023 | -14.84% | $1483.78 | $285.73 | $57.15 | $0.46 |
| 2022 | -13.63% | $1362.88 | $235.44 | $47.09 | $0.38 |
| 2021 | +21.72% | +$2171.58 | $274.61 | $54.92 | $0.44 |
| 2020 | -10.18% | $1017.60 | $236.04 | $47.21 | $0.38 |
| 2019 | +24.05% | +$2405.04 | $273.04 | $54.61 | $0.44 |
| 2018 | +10.56% | +$1055.77 | $269.88 | $53.98 | $0.43 |
| 2017 | -11.32% | $1131.70 | $215.13 | $43.03 | $0.34 |
| 2016 | +59.57% | +$5956.94 | $446.61 | $89.32 | $0.71 |
| 2015 | +8.63% | +$862.85 | $444.47 | $88.89 | $0.71 |
| 2014 | -1.46% | $146.28 | $295.11 | $59.02 | $0.47 |
| 2013 | +49.06% | +$4906.47 | $406.53 | $81.31 | $0.65 |
| 2012 | +1.51% | +$150.50 | $385.75 | $77.15 | $0.62 |
| 2011 | +3.48% | +$347.81 | $364.71 | $72.94 | $0.58 |
| 2010 | +48.44% | +$4844.48 | $492.83 | $98.57 | $0.79 |
| 2009 | -17.52% | $1751.89 | $366.69 | $73.34 | $0.59 |
| 2008 | +26.54% | +$2654.27 | $437.69 | $87.54 | $0.70 |
| 2007 | -10.75% | $1075.50 | $360.93 | $72.19 | $0.58 |
| 2006 | +4.96% | +$496.09 | $349.79 | $69.96 | $0.56 |
| 2005 | -18.15% | $1814.56 | $264.45 | $52.89 | $0.42 |
| 2004 | +17.94% | +$1794.04 | $280.09 | $56.02 | $0.45 |
| 2003 | +60.15% | +$6015.05 | $393.18 | $78.64 | $0.63 |
| 2002 | +23.20% | +$2319.68 | $432.27 | $86.45 | $0.69 |
| 2001 | +10.91% | +$1091.40 | $666.44 | $133.29 | $1.06 |
| 2000 | +11.05% | +$1104.62 | $456.15 | $91.23 | $0.73 |
| 1999 | -18.60% | $1859.53 | $331.41 | $66.28 | $0.53 |
| 1998 | -4.22% | $421.66 | $276.87 | $55.37 | $0.44 |
| 1997 | +62.72% | +$6272.16 | $344.07 | $68.81 | $0.55 |
| 1996 | +26.72% | +$2671.67 | $436.89 | $87.38 | $0.70 |
| 1995 | +26.02% | +$2602.16 | $474.90 | $94.99 | $0.76 |
| 1994 | -5.21% | $521.13 | $375.85 | $75.17 | $0.60 |
| 1993 | +23.50% | +$2349.64 | $425.68 | $85.14 | $0.68 |
| 1992 | +76.32% | +$7631.73 | $653.25 | $130.65 | $1.05 |
| 1991 | +90.08% | +$9008.28 | $1001.50 | $200.32 | $1.60 |
| 1990 | -48.33% | $4833.33 | $0.00 | $0.00 | $0.00 |
| 1989 | +7.14% | +$714.28 | $0.00 | $0.00 | $0.00 |
| 1988 | -5.08% | $508.47 | $0.00 | $0.00 | $0.00 |
| 1987 | -11.94% | $1194.03 | $0.00 | $0.00 | $0.00 |
| 1986 | +8.06% | +$806.45 | $0.00 | $0.00 | $0.00 |
| 1985 partial | +0.00% (+0.00% ann.) | +$0.00 | $0.00 | $0.00 | $0.00 |
Market Regimes
| Regime | Period | Percentage | Annual | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|---|---|
| Dot-com bubble / TMT mania | August 9, 1995 – March 10, 2000 | +48.18% | +8.95% | +$4818.48 | $2327.27 | $465.45 | $3.72 |
| Dot-com bust / post-bubble disinflation scare | March 13, 2000 – October 9, 2002 | +43.84% | +15.17% | +$4384.13 | $1749.08 | $349.82 | $2.80 |
| China-WTO / housing-credit / commodity boom | October 10, 2002 – October 9, 2007 | +64.11% | +10.42% | +$6411.47 | $2668.74 | $533.75 | $4.27 |
| GFC / deleveraging / dollar shortage | October 10, 2007 – March 9, 2009 | -29.96% | -22.28% | $2996.48 | $532.99 | $106.60 | $0.85 |
| Policy-led rebound / euro-sovereign-crisis overlay | March 10, 2009 – July 25, 2012 | +103.22% | +23.38% | +$10321.89 | $2382.77 | $476.56 | $3.81 |
| Secular stagnation / QE / low inflation / duration bull | July 26, 2012 – February 19, 2020 | +207.30% | +15.99% | +$20730.03 | $4364.57 | $872.91 | $6.98 |
| Pandemic shock / liquidity crash | February 20, 2020 – March 23, 2020 | -29.45% | -98.14% | $2945.43 | $59.42 | $11.88 | $0.10 |
| Policy bazooka / monetary euphoria | March 24, 2020 – November 6, 2020 | +6.25% | +10.24% | +$624.68 | $152.88 | $30.58 | $0.24 |
| Reopening reflation / fiscal boom / supply bottlenecks | November 9, 2020 – November 29, 2021 | +12.31% | +11.64% | +$1230.64 | $263.87 | $52.77 | $0.42 |
| Inflation shock / duration crash / aggressive tightening | November 30, 2021 – November 9, 2022 | -9.98% | -10.56% | $997.77 | $246.63 | $49.33 | $0.39 |
| Disinflation rebound / AI-led narrow bull / higher-for-longer | November 10, 2022 – September 17, 2024 | -5.37% | -2.93% | $536.76 | $563.67 | $112.73 | $0.90 |
| Disinflationary easing / resilient growth / AI capex under oil-shock test partial | September 18, 2024 – April 14, 2026 | +10.67% | +6.68% | +$1067.31 | $487.19 | $97.44 | $0.78 |
Dividend History
Annual Dividends Per Share
TTM Yield
—
Consecutive Years Paid
— current
Consecutive Years of Growth
— current
| Date | Per Share | Yield % |
|---|---|---|
| 1991-03-11 | $0.0475 | 2.00% |
| 1991-06-10 | $0.0475 | 1.62% |
| 1991-09-10 | $0.0475 | 1.41% |
| 1991-12-10 | $0.0475 | 1.52% |
| 1992-03-10 | $0.0500 | 1.31% |
| 1992-06-09 | $0.0500 | 1.18% |
| 1992-09-09 | $0.0625 | 1.30% |
| 1992-12-09 | $0.0625 | 1.22% |
| 1993-03-09 | $0.0625 | 0.91% |
| 1993-06-09 | $0.0625 | 1.00% |
| 1993-09-09 | $0.0625 | 0.87% |
| 1993-12-09 | $0.0625 | 0.87% |
| 1994-03-09 | $0.0625 | 0.82% |
| 1994-06-09 | $0.0675 | 0.95% |
| 1994-09-09 | $0.0675 | 0.87% |
| 1994-12-09 | $0.0675 | 0.95% |
| 1995-03-09 | $0.0750 | 1.11% |
| 1995-06-13 | $0.0750 | 1.17% |
| 1995-09-13 | $0.0750 | 0.83% |
| 1995-12-13 | $0.0825 | 1.00% |
| 1996-03-13 | $0.0825 | 1.06% |
| 1996-06-12 | $0.0825 | 1.03% |
| 1996-09-12 | $0.0900 | 1.04% |
| 1996-12-12 | $0.0900 | 0.95% |
| 1997-03-12 | $0.0450 | 0.40% |
| 1997-06-12 | $0.0900 | 0.73% |
| 1997-09-11 | $0.1000 | 0.71% |
| 1997-12-11 | $0.1000 | 0.60% |
| 1998-03-12 | $0.1000 | 0.59% |
| 1998-06-11 | $0.1000 | 0.59% |
| 1998-09-11 | $0.1150 | 0.90% |
| 1998-12-11 | $0.1150 | 0.79% |
| 1999-03-11 | $0.1150 | 0.93% |
| 1999-06-11 | $0.1150 | 0.97% |
| 1999-09-13 | $0.1250 | 0.98% |
| 1999-12-13 | $0.1250 | 1.01% |
| 2000-03-13 | $0.1250 | 1.19% |
| 2000-06-13 | $0.1250 | 1.09% |
| 2000-09-13 | $0.1350 | 1.15% |
| 2000-12-13 | $0.1350 | 1.21% |
| 2001-03-13 | $0.1350 | 0.96% |
| 2001-06-13 | $0.1350 | 0.95% |
| 2001-09-12 | $0.2700 | 1.93% |
| 2001-09-17 | $0.1350 | 0.96% |
| 2001-12-12 | $0.1350 | 1.03% |
| 2002-03-13 | $0.1350 | 0.91% |
| 2002-06-12 | $0.1350 | 0.89% |
| 2002-09-12 | $0.1450 | 0.94% |
| 2002-12-12 | $0.1450 | 0.91% |
| 2003-03-12 | $0.1450 | 0.89% |
| 2003-06-12 | $0.1450 | 0.77% |
| 2003-09-11 | $0.1600 | 0.72% |
| 2003-12-11 | $0.1600 | 0.65% |
| 2004-03-11 | $0.1600 | 0.71% |
| 2004-06-14 | $0.1600 | 0.73% |
| 2004-09-13 | $0.1800 | 0.70% |
| 2004-12-13 | $0.1800 | 0.66% |
| 2005-03-11 | $0.1800 | 0.78% |
| 2005-06-13 | $0.1800 | 0.76% |
| 2005-09-13 | $0.1900 | 0.80% |
| 2005-12-13 | $0.1900 | 0.80% |
| 2006-03-13 | $0.1900 | 0.89% |
| 2006-06-13 | $0.1900 | 0.97% |
| 2006-09-13 | $0.2000 | 0.89% |
| 2006-12-13 | $0.2000 | 0.83% |
| 2007-03-13 | $0.2000 | 0.96% |
| 2007-06-13 | $0.2000 | 1.00% |
| 2007-09-12 | $0.2100 | 1.06% |
| 2007-12-12 | $0.2100 | 1.02% |
| 2008-03-12 | $0.2100 | 0.90% |
| 2008-06-12 | $0.2100 | 0.93% |
| 2008-09-11 | $0.2200 | 0.96% |
| 2008-12-11 | $0.2200 | 0.95% |
| 2009-03-12 | $0.2200 | 1.48% |
| 2009-06-11 | $0.2200 | 1.39% |
| 2009-09-11 | $0.2200 | 1.20% |
| 2009-12-11 | $0.2200 | 1.18% |
| 2010-03-11 | $0.2200 | 0.96% |
| 2010-06-11 | $0.2400 | 1.08% |
| 2010-09-13 | $0.2400 | 1.07% |
| 2010-12-13 | $0.2400 | 0.90% |
| 2011-03-11 | $0.2400 | 0.99% |
| 2011-06-13 | $0.2400 | 1.04% |
| 2011-09-13 | $0.2600 | 1.15% |
| 2011-12-13 | $0.2600 | 0.97% |
| 2012-03-13 | $0.2600 | 0.96% |
| 2012-06-13 | $0.2600 | 0.99% |
| 2012-09-12 | $0.2700 | 0.94% |
| 2012-12-12 | $0.2700 | 0.98% |
| 2013-03-13 | $0.2700 | 0.93% |
| 2013-06-12 | $0.2700 | 0.92% |
| 2013-09-12 | $0.2800 | 0.83% |
| 2013-12-12 | $0.2800 | 0.75% |
| 2014-03-12 | $0.2800 | 0.74% |
| 2014-06-12 | $0.2800 | 0.76% |
| 2014-09-11 | $0.3000 | 0.84% |
| 2014-12-11 | $0.3000 | 0.80% |
| 2015-03-12 | $0.3000 | 0.86% |
| 2015-05-13 | $0.4500 | 1.27% |
| 2015-06-11 | $0.3000 | 0.80% |
| 2015-09-11 | $0.3100 | 0.87% |
| 2015-12-11 | $0.3100 | 0.76% |
| 2016-03-11 | $0.3100 | 0.81% |
| 2016-06-13 | $0.3100 | 0.75% |
| 2016-08-10 | $0.5000 | 1.11% |
| 2016-09-13 | $0.3200 | 0.67% |
| 2016-12-13 | $0.3200 | 0.53% |
| 2017-03-13 | $0.3200 | 0.56% |
| 2017-06-13 | $0.3200 | 0.55% |
| 2017-09-14 | $0.3400 | 0.65% |
| 2017-12-14 | $0.3400 | 0.63% |
| 2018-03-14 | $0.3400 | 0.60% |
| 2018-06-14 | $0.3400 | 0.56% |
| 2018-09-13 | $0.3800 | 0.58% |
| 2018-12-13 | $0.3800 | 0.61% |
| 2019-03-14 | $0.3800 | 0.61% |
| 2019-06-13 | $0.3800 | 0.59% |
| 2019-09-13 | $0.4100 | 0.62% |
| 2019-12-12 | $0.4100 | 0.60% |
| 2020-03-13 | $0.4100 | 0.79% |
| 2020-06-12 | $0.4100 | 0.73% |
| 2020-09-14 | $0.4200 | 0.72% |
| 2020-12-11 | $0.4200 | 0.65% |
| 2021-03-12 | $0.4200 | 0.52% |
| 2021-06-14 | $0.4200 | 0.53% |
| 2021-09-14 | $0.4300 | 0.63% |
| 2021-12-14 | $0.4300 | 0.59% |
| 2022-03-14 | $0.4300 | 0.60% |
| 2022-06-14 | $0.4300 | 0.69% |
| 2022-09-14 | $0.4400 | 0.69% |
| 2022-12-14 | $0.4400 | 0.71% |
| 2023-03-14 | $0.4400 | 0.85% |
| 2023-06-14 | $0.4400 | 0.85% |
| 2023-09-14 | $0.4500 | 1.03% |
| 2023-12-14 | $0.4500 | 0.88% |
| 2024-03-14 | $0.4500 | 0.98% |
| 2024-06-14 | $0.4500 | 1.02% |
| 2024-09-13 | $0.4600 | 0.81% |
| 2024-12-13 | $0.4600 | 0.68% |
| 2025-03-14 | $0.4600 | 0.82% |
| 2025-06-13 | $0.4600 | 0.81% |
| 2025-09-12 | $0.4700 | 0.79% |
| 2025-12-12 | $0.4700 | 0.77% |
| 2026-03-16 | $0.4700 | 0.82% |
| Total | 144 payments |
Portfolio Dividend Returns
Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-04-14 to 2026-04-14. Change
| Date | Total Yield | Tax | Trans. Cost | Shares Bought |
|---|---|---|---|---|
| 2021-06-14 | $54.23 | $10.85 | $0.09 | 0.5523 |
| 2021-09-14 | $55.76 | $11.15 | $0.09 | 0.6645 |
| 2021-12-14 | $56.04 | $11.21 | $0.09 | 0.6103 |
| 2022-03-14 | $56.31 | $11.26 | $0.09 | 0.6200 |
| 2022-06-14 | $56.57 | $11.31 | $0.09 | 0.7266 |
| 2022-09-14 | $58.21 | $11.64 | $0.09 | 0.7405 |
| 2022-12-14 | $58.53 | $11.71 | $0.09 | 0.7819 |
| 2023-03-14 | $58.88 | $11.78 | $0.09 | 0.8695 |
| 2023-06-14 | $59.26 | $11.85 | $0.09 | 0.9332 |
| 2023-09-14 | $61.03 | $12.21 | $0.10 | 1.1008 |
| 2023-12-14 | $61.52 | $12.30 | $0.10 | 0.9471 |
| 2024-03-14 | $61.95 | $12.39 | $0.10 | 1.1331 |
| 2024-06-14 | $62.46 | $12.49 | $0.10 | 1.1557 |
| 2024-09-13 | $64.38 | $12.88 | $0.10 | 0.8925 |
| 2024-12-13 | $64.79 | $12.96 | $0.10 | 0.7757 |
| 2025-03-14 | $65.14 | $13.03 | $0.10 | 0.9088 |
| 2025-06-13 | $65.56 | $13.11 | $0.10 | 0.9495 |
| 2025-09-12 | $67.43 | $13.49 | $0.11 | 0.9144 |
| 2025-12-12 | $67.86 | $13.57 | $0.11 | 0.9026 |
| 2026-03-16 | $68.29 | $13.66 | $0.11 | 0.9507 |
| Total | $1224.20 | $244.84 | $1.96 | 17.1298 |
All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.
For each rolling window, returns are calculated at every possible starting point:
return = (value[i] ÷ value[i − windowSize] − 1) × 100
- Windows
- 1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
- Statistics
- Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.
The series is segmented by calendar year:
return = (endValue ÷ startValue − 1) × 100
startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.