{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "57319d90-943e-4dee-ab66-25ab9ddf4f1b",
    "symbol": "CBU",
    "name": "Community Bank System Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "57319d90-943e-4dee-ab66-25ab9ddf4f1b",
      "symbol": "CBU",
      "name": "Community Bank System Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "CBU",
    "market_cap": 3478085120.0,
    "market_cap_usd": 3341967935.11,
    "price": 66.18,
    "currency": "USD",
    "dividend_yield": 0.00710184,
    "dividend_years": 35,
    "dividend_growth_5y": 0.02301257,
    "dividend_cut_5y": false,
    "payout_ratio": 0.45389998,
    "net_income": 210455000.0,
    "free_cash_flow": 233331000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.22869503,
    "revenue_growth_5y": 0.10371212,
    "net_margin": 0.26764,
    "roe": 0.11304,
    "pe_ratio": 16.063107,
    "price_vs_ma": 0.08605952,
    "return_3y": 0.55386487,
    "return_5y": -0.01912861,
    "max_drawdown": -0.49367524,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 22.5,
      "valuation": 15.0,
      "trend": 11.5,
      "total": 94.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [
      "Dividend yield normalized from payment history because provider yield looked inconsistent."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/",
      "chart": "https://sharemaestro.com/terminal/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 22.5,
    "valuation": 15.0,
    "trend": 11.5,
    "total": 94.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend yield normalized from payment history because provider yield looked inconsistent."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend review warning",
      "detail": "Dividend yield normalized from payment history because provider yield looked inconsistent.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2026-06-12",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU qualified as a dividend compounder candidate",
      "detail": "Score 94.0/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2026-03-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.47 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.47,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2025-12-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.47 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.47,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2025-09-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.47 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.47,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2025-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.46 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.46 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2024-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.46 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2024-09-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.46 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.46,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2024-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.45 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.45,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.45 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.45,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2023-12-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.45 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.45,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2023-09-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.45 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.45,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2023-06-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "CBU dividend payment 0.44 USD",
      "detail": "Recorded dividend payment for Community Bank System Inc.",
      "amount": 0.44,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2019-09-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "Dividend increased 7.9%",
      "detail": "Payment changed from 0.38 to 0.41.",
      "amount": 0.41,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2018-09-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "Dividend increased 11.8%",
      "detail": "Payment changed from 0.34 to 0.38.",
      "amount": 0.38,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2017-09-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "Dividend increased 6.2%",
      "detail": "Payment changed from 0.32 to 0.34.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2016-09-13",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "Dividend decreased -36.0%",
      "detail": "Payment changed from 0.5 to 0.32.",
      "amount": 0.32,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2016-08-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "Dividend increased 61.3%",
      "detail": "Payment changed from 0.31 to 0.5.",
      "amount": 0.5,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    },
    {
      "event_date": "2015-06-11",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "CBU",
      "exchange": "NYSE",
      "headline": "Dividend decreased -33.3%",
      "detail": "Payment changed from 0.45 to 0.3.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/57319d90-943e-4dee-ab66-25ab9ddf4f1b/"
    }
  ]
}