CBU dividend capture — median 1d pre-ex touch, 100% /30d touch rate over 20 ex-dates. Next ex-date, event history, after-tax calculator & simulator.
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
Community Bank System (CBU) has touched its pre-ex close within 30 trading days in 100% of the last 20 ex-dividend events, with a median time-to-touch of 1 trading day (limit-order recovery basis). The dividend is below the typical daily price swing (signal-to-noise 0.30), meaning ordinary day-to-day noise can easily exceed the dividend itself.
Versus its sector, CBU sits roughly in line with the Financial Services sector benchmark of 95%. The sector median time-to-touch is 1 trading day, matching the peer pace.
Historical base rates are not predictions; transaction costs, slippage, and ordinary-income tax on short holding periods can materially reduce realized profit. The next confirmed ex-dividend date is Sep 15, 2026, with an expected dividend of $0.49.
Touch rate (30d)
100%
Median days-to-touch
1d
Signal-to-noise
0.30
TL;DR over the most recent 20 events.
| Metric | Value | vs sector |
|---|---|---|
| 30-day touch rate | 100% | +5pp vs sector |
| Median days-to-touch | 1d | in line with sector |
| Signal-to-noise (div / ATR) | 0.30 | in line with sector |
| Avg gap on ex-date | -0.18% | +0.41pp vs sector |
| Win rate at MOC exit | 70% | — |
| Median drawdown during hold | -4.19% | +0.21pp vs sector |
| Best / worst touch (days) | 1 / 10 | — |
Confirmed by company declaration.
Dividend
$0.49
Per-event yield
0.74%
Annualized yield
2.86%
Previously paid
Jun 15, 2026 ($0.47)
Last record date
Jun 15, 2026
Last payment date
Jul 10, 2026
Per-event gap on ex-date, the pre-ex close used as the touch target, trading days to first intraday highat or above that level, plus 5/30-day touch flags, drawdown and 5-day P&L for Community Bank System (CBU). For a stricter close-at-bell exit timeline, use the simulator below (MOC mode). td = trading days from ex-date.
| Recovered 5d | Recovered 30d | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Q2 | $0.47 | -0.45% | $66.18 | 1 | yes | yes | -8.16% | -1.71% | |
| Q1 | $0.47 | 0.56% | $57.42 | 1 | yes | yes | -4.39% | +0.54% | |
| Q4 | $0.47 | -0.59% | $60.70 | 2 | yes | yes | -3.38% | +0.13% | |
| Q3 | $0.47 | -0.99% | $59.60 | 4 | yes | yes | -4.97% | +2.48% | |
| Q2 | $0.46 | -2.01% | $57.11 | 7 | no | yes | -6.23% | -1.47% | |
| Q1 | $0.46 | 0.00% | $56.08 | 1 | yes | yes | -0.16% | +3.51% | |
| Q4 | $0.46 | -0.64% | $67.29 | 2 | yes | yes | -9.91% | -6.23% | |
| Q3 | $0.46 | 0.72% | $56.59 | 1 | yes | yes | 0.21% | +4.63% | |
| Q2 | $0.45 | -1.64% | $43.91 | 3 | yes | yes | -3.99% | +3.48% | |
| Q1 | $0.45 | -1.60% | $45.74 | 5 | yes | yes | -6.30% | +2.12% | |
| Q4 | $0.45 | 0.02% | $51.11 | 1 | yes | yes | -0.41% | +4.01% | |
| Q3 | $0.45 | -0.11% | $43.53 | 1 | yes | yes | -7.51% | -4.71% | |
| Q2 | $0.44 | -0.79% | $52.00 | 1 | yes | yes | -11.08% | -8.19% | |
| Q1 | $0.44 | 6.93% | $51.95 | 1 | yes | yes | -1.91% | +8.18% | |
| Q4 | $0.44 | -0.84% | $61.62 | 6 | no | yes | -5.42% | +0.99% | |
| Q3 | $0.44 | -0.87% | $63.38 | 2 | yes | yes | -2.37% | +2.67% | |
| Q2 | $0.43 | -0.91% | $62.68 | 1 | yes | yes | -2.55% | +0.49% | |
| Q1 | $0.43 | 0.59% | $71.45 | 1 | yes | yes | -3.12% | +0.60% | |
| Q4 | $0.43 | -0.33% | $73.42 | 1 | yes | yes | -3.88% | +1.05% | |
| Q3 | $0.43 | -0.60% | $68.59 | 10 | no | yes | -5.23% | -3.83% |
First trading session whose intraday high reached the pre-ex close within the 30-day measurement window. td = trading days from ex-date.
| Touch window | Distribution | Count | Share |
|---|---|---|---|
| ≤ 1 day | 11 | 55% | |
| 2–3 days | 4 | 20% | |
| 4–5 days | 2 | 10% | |
| 6–10 days | 3 | 15% | |
| 11–30 days | 0 | 0% | |
| 30+ | 0 | 0% |
Pre-filled with CBU's next expected dividend and recent close. Adjust tax rate, holding period and slippage to estimate after-tax capture yield.
U.S. ordinary-income rate (22-37%) applies on holds shorter than 61 days. Hold longer to qualify for the 0/15/20% qualified-dividend rate.
Replay every historical CBU ex-dividend with two exit strategies: a GTC limit-order at the pre-ex close, or hold for N days and exit at MOC. Pick the window and quarter filter that matches your plan.
Linked to your history table
These backtests use the same ex-dividend rows as Dividend Capture History on this page — 20 events loaded.
Quarter filter is All — every row in the table above is included here. Change quarter below to match the slice you want to stress-test.
Sell back at the pre-ex close on the first intraday touch within the window. If it never touches, exit at MOC after the window expires (stop-loss).
Figures are gross — before tax, commissions, and slippage. Percents are per-event return on capital at entry (pre-ex close).
Avg P&L per trade (20 events)
+0.46%
Win rate (20 trades)
90%
Cumulative P&L
+9.28%
Buy & hold (same sample)
+7.16%
Best event
+1.03%
Worst event
-3.83%
Cumulative P&L (equity curve)
Vertical axis: cumulative sum of per-event % (same units as the headline cumulative). Hover the line for exact values.
Per-event P&L distribution
20 trades in this sample · bar height ∝ count in each bucket (gross % per event).
Scenario P&L by event · CBU (20)
Scenario P&L — updates with exit mode, window, and quarter. History adds gap, touch, drawdown, and a fixed P&L 5d % (MOC). Same per-row % as that column only for MOC + 5d on the same rows. Oldest → newest, gross pre-ex close basis.
| Ex-date | P&L |
|---|---|
| -3.83% | |
| +0.59% | |
| +0.60% | |
| +0.69% | |
| +0.69% | |
| +0.99% | |
| +0.85% | |
| +0.85% | |
| +1.03% | |
| +0.88% | |
| +0.98% | |
| +1.02% | |
| +0.81% | |
| +0.68% | |
| +0.82% | |
| -1.47% | |
| +0.79% | |
| +0.77% | |
| +0.82% | |
| +0.71% |
Results are illustrative only and are not financial advice. Capture simulations use historical prices and simplified costs and tax assumptions. Actual fills, borrow fees, and market rules vary. Consult a qualified advisor before trading.
Deep-dives across the income statement, cash flow, capital return, and valuation
How this company returns cash to shareholders — buybacks, dividends, and stock splits.
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