Is COMMUNITY FINANCIAL SYSTEM, INC. (CBU) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 35.0% | |
| Net Margin | 26.4% | |
| Return on Equity (ROE) | 11.2% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $302M |
| Free Cash Flow | $233M |
| Total Debt | $459M |
| Total Assets | $17.3B |
Price & Trading
| Last Close | $57.91 |
| 50-Day MA | $61.48 |
| 200-Day MA | $58.65 |
| Avg Volume | 246K |
| Beta | 0.8 |
|
52-Week Range
$49.44
| |
About COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-related products and services; treasury management solutions and payment processing services, as well as certain corporate overhead-related expenses to individuals, businesses, and governmental units. The Employee Benefit Segment provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, health and welfare consulting services and introducing broker-dealer services. The Insurance Services segment offers personal and commercial lines of insurance and other risk management products and services, as well as employee benefit related services. The Wealth Management Services provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services, and personal financial planning services. This segment also offers a range of investment products including stocks, bonds, exchange-traded funds, mutual funds, insurance, and advisory products. Community Financial System, Inc. was founded in 1866 and is headquartered in Syracuse, New York.
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Frequently Asked Questions
Is COMMUNITY FINANCIAL SYSTEM, INC. (CBU) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), COMMUNITY FINANCIAL SYSTEM, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is COMMUNITY FINANCIAL SYSTEM, INC.'s debt ratio?
COMMUNITY FINANCIAL SYSTEM, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are COMMUNITY FINANCIAL SYSTEM, INC.'s key financial metrics?
COMMUNITY FINANCIAL SYSTEM, INC. has a market capitalization of $3.0B, trailing P/E ratio of 14.3, and revenue of $818M. Return on equity stands at 11.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.