Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
63.64
-0.66 (-1.03%)
May 29, 2026, 4:00 PM EDT - Market closed
CBU Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Interest Income | 521.05 | 506.55 | 449.12 | 437.29 | 420.63 | 374.41 |
Net Interest Income Growth | 12.70% | 12.79% | 2.71% | 3.96% | 12.34% | 1.63% |
Non-Interest Income | 290.79 | 311.46 | 297.19 | 214.83 | 258.73 | 246.24 |
Non-Interest Income Growth | 2.53% | 4.80% | 38.33% | -16.96% | 5.07% | 7.80% |
Revenues Before Loan Losses | 811.84 | 818.01 | 746.3 | 652.12 | 679.36 | 620.65 |
Provision for Credit Losses | 20.3 | 21.35 | 22.77 | 11.2 | 14.77 | -8.84 |
| 791.54 | 796.66 | 723.53 | 640.92 | 664.58 | 629.49 | |
Revenue Growth (YoY) | 9.53% | 10.11% | 12.89% | -3.56% | 5.58% | 8.05% |
Compensation Expenses | 317.8 | 313.92 | 300.78 | 281.8 | 257.34 | 241.5 |
Selling, General & Admin | 155 | 151.44 | 136.88 | 131.79 | 123.63 | 113.29 |
Other Non-Interest Expenses | 56.21 | 55.91 | 49.16 | 59.1 | 43.3 | 33.35 |
Total Non-Interest Expense | 529.01 | 521.26 | 486.83 | 472.69 | 424.27 | 388.14 |
Pretax Income | 285.74 | 275.39 | 236.71 | 168.23 | 240.31 | 241.35 |
Provision for Income Taxes | 67.68 | 64.94 | 54.22 | 36.31 | 52.23 | 51.65 |
Net Income | 218.06 | 210.46 | 182.48 | 131.92 | 188.08 | 189.69 |
Net Income to Common | 218.06 | 210.46 | 182.48 | 131.92 | 188.08 | 189.69 |
Net Income Growth | 14.03% | 15.33% | 38.32% | -29.86% | -0.85% | 15.19% |
Shares Outstanding (Basic) | 26 | 53 | 53 | 54 | 54 | 54 |
Shares Outstanding (Diluted) | 26 | 53 | 53 | 54 | 54 | 54 |
Shares Change (YoY) | -50.01% | -0.12% | -1.57% | -0.89% | -0.35% | 2.02% |
EPS (Basic) | 4.12 | 3.98 | 3.44 | 2.45 | 3.48 | 3.51 |
EPS (Diluted) | 4.12 | 3.97 | 3.44 | 2.45 | 3.46 | 3.48 |
EPS Growth | 14.13% | 15.41% | 40.41% | -29.19% | -0.57% | 12.99% |
Shares Outstanding | 52.54 | 52.68 | 52.67 | 53.33 | 53.74 | 53.88 |
Free Cash Flow | 241.68 | 233.33 | 221.57 | 209.84 | 201.68 | 188.82 |
Free Cash Flow Growth | 3.58% | 5.31% | 5.59% | 4.04% | 6.81% | 14.59% |
Free Cash Flow Per Share | 9.15 | 4.42 | 4.19 | 3.91 | 3.72 | 3.47 |
Dividends Per Share | 1.870 | 1.860 | 1.820 | 1.780 | 1.740 | 1.700 |
Dividend Growth | 0.54% | 2.20% | 2.25% | 2.30% | 2.35% | 2.41% |
Profit Margin | 27.55% | 26.42% | 25.22% | 20.58% | 28.30% | 30.13% |
FCF Margin | 30.53% | 29.29% | 30.62% | 32.74% | 30.35% | 30.00% |
EBITDA | 31.8 | 29.42 | 27.94 | 27.5 | 29.63 | 29.64 |
EBITDA Margin | 4.02% | 3.69% | 3.86% | 4.29% | 4.46% | 4.71% |
Effective Tax Rate | 23.69% | 23.58% | 22.91% | 21.58% | 21.74% | 21.40% |