Community Bank System is a financial holding company. Through its subsidiary, Community Bank, N.A., Co. operates as a financial services enterprise providing banking and other financial services to retail, commercial and municipal customers. Co. has three reportable segments: Banking, which is focused on serving the financial needs of customers in local communities; Employee Benefit Services, which provides employee benefit trust, collective investment fund, retirement plan administration and fund administration; and All Other, which includes Wealth Management, which provides Carta Groupes and Insurance Agency, which provides personal and commercial lines of insurance. The CBU stock yearly return is shown above.
The yearly return on the CBU stock yearly return page and across the coverage universe of our site,
is a measure of the annual return over the calendar year 2018 for the given stock.
When performing this calculation it is important to factor in dividends, because a financial instrument's annual return is
more than just the change in price if that instrument pays a dividend or coupon.
One way to factor dividends into the return is simply to count them as cash — we don't do
that here. Instead, our website aims to empower investors
by performing the CBU annual return calculation with any dividends reinvested as applicable (on ex-dates).
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