What if you'd held CBU?
A $1,000 investment in Community Financial System, Inc. (CBU) at the month-end close of 1985-11 would be worth $60,019 at the close of 2026-08 — +5901.9% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $38,126.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1985
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1985 | $1,000 | — |
| 1986 | $1,081 | +8.1% |
| 1987 | $952 | -12.0% |
| 1988 | $903 | -5.1% |
| 1989 | $968 | +7.2% |
| 1990 | $500 | -48.3% |
| 1991 | $965 | +93.0% |
| 1992 | $1,721 | +78.4% |
| 1993 | $2,144 | +24.5% |
| 1994 | $2,047 | -4.5% |
| 1995 | $2,600 | +27.0% |
| 1996 | $3,322 | +27.8% |
| 1997 | $5,433 | +63.5% |
| 1998 | $5,234 | -3.7% |
| 1999 | $4,294 | -18.0% |
| 2000 | $4,815 | +12.1% |
| 2001 | $5,405 | +12.3% |
| 2002 | $6,708 | +24.1% |
| 2003 | $10,809 | +61.1% |
| 2004 | $12,817 | +18.6% |
| 2005 | $10,558 | -17.6% |
| 2006 | $11,163 | +5.7% |
| 2007 | $10,045 | -10.0% |
| 2008 | $12,802 | +27.5% |
| 2009 | $10,686 | -16.5% |
| 2010 | $15,999 | +49.7% |
| 2011 | $16,700 | +4.4% |
| 2012 | $17,087 | +2.3% |
| 2013 | $25,646 | +50.1% |
| 2014 | $25,433 | -0.8% |
| 2015 | $27,892 | +9.7% |
| 2016 | $44,858 | +60.8% |
| 2017 | $39,970 | -10.9% |
| 2018 | $44,389 | +11.1% |
| 2019 | $55,347 | +24.7% |
| 2020 | $50,040 | -9.6% |
| 2021 | $61,189 | +22.3% |
| 2022 | $53,135 | -13.2% |
| 2023 | $45,608 | -14.2% |
| 2024 | $55,919 | +22.6% |
| 2025 | $53,769 | -3.8% |
| 2026 | $60,019 | +11.6% |
Best and worst month-end to buy
The best single month-end close to have bought CBU was 1990-12 ($0.53): $1,000 then is $120,038 today. The worst was 2021-05 ($68.89): $1,000 then is $916.
FAQ
What would $1,000 in CBU be worth today?
A $1,000 investment in Community Financial System, Inc. (CBU) at the start of 1985 would be worth about $60,019 today, a total return of +5901.9%. Dividends are reinvested in these figures.
What were the best and worst years for CBU?
Community Financial System, Inc. (CBU)'s strongest calendar year since 1985 was 1991, a +93.0% return — $1,000 held through that year became about $1,930 by year-end. Its weakest year was 1990, at -48.3%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in CBU have grown?
Investing $100 at the end of every month since 1985-11 would have grown to about $833,683 on $49,000 invested.
Did CBU beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $38,126. CBU beat the S&P 500 by +57.4% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Community Financial System, Inc. (CBU) historical total-return data from 1985-11 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.