Community Bank System to Acquire ClearPoint Federal Bank

Community Bank System ( (CBU) ) has provided an announcement.

On January 15, 2026, Community Financial System, Inc. announced that its wholly owned subsidiary, Community Bank, N.A., entered into an Agreement and Plan of Merger to acquire ClearPoint Federal Bank & Trust, a federally chartered savings association that is a leading trust administrator in the roughly $20 billion revenue U.S. death care industry. ClearPoint brings approximately $1.5 billion in assets under management, $112 million in deposits with a relatively low cost of funds, and a business model heavily weighted toward fee income with no lending exposure, supported by strong recent growth in revenue and net income and a solid year-to-date return on assets as of September 2025. The acquisition is positioned as strategically complementary to Community Financial’s Nottingham Financial Group, is expected to increase Nottingham’s revenue by 20% and its contribution to the parent company by 1 percentage point, and to shift the pro forma revenue mix further toward fee income, while delivering a double-digit return on capital, slight earnings-per-share accretion and meaningful longer-term revenue synergy opportunities for stakeholders.

The most recent analyst rating on (CBU) stock is a Hold with a $65.00 price target. To see the full list of analyst forecasts on Community Bank System stock, see the CBU Stock Forecast page.

Spark’s Take on CBU Stock

According to Spark, TipRanks’ AI Analyst, CBU is a Outperform.

CBU scores well primarily due to strong financial performance and a favorable earnings update (record earnings growth, revenue/NII expansion, improved margin). Valuation is supportive with a solid dividend yield and a reasonable P/E. Technical indicators are the main offset, showing only moderate momentum and slight near-term weakness versus the 20-day average.

To see Spark’s full report on CBU stock, click here.

More about Community Bank System

Community Financial System, Inc., which operates Community Bank, N.A. and trades on the NYSE under the ticker CBU, is a diversified financial services company focusing on traditional banking alongside fee-based businesses such as wealth management, employee benefit services and insurance. Through its Nottingham Financial Group platform, the company emphasizes national asset management and trust-related services, positioning itself to capture niche, fee-driven revenue streams within specialized markets.

Average Trading Volume: 225,536

Technical Sentiment Signal: Strong Buy

Current Market Cap: $3.23B

See more data about CBU stock on TipRanks’ Stock Analysis page.