Community Financial System, Inc. (CBU)

CBU Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	596.72	545.77	445.17	335.08	308.36
Interest Income on Investments	102.56	97.76	96.22	108.65	79.07
Total Interest Income	699.28	643.53	541.39	443.73	387.42
Interest Paid on Deposits	192.73	159.52	85.34	15.04	11.63
Interest Paid on Borrowings	-	34.89	18.77	8.06	1.38
Total Interest Expense	192.73	194.41	104.1	23.1	13.01
Net Interest Income	506.55	449.12	437.29	420.63	374.41
Net Interest Income Growth (YoY)	12.79%	2.71%	3.96%	12.34%	1.63%
Trust Income	37.07	36.67	31.94	31.67	33.24
Mortgage Banking Activities	3.54	4.42	0.6	0.39	1.77
Gain (Loss) on Sale of Investments	0.09	0.74	-52.38	-0.04	0.02
Other Non-Interest Income	190.38	188.74	171.37	159.86	151.99
Total Non-Interest Income	311.46	297.19	214.59	258.73	246.24
Non-Interest Income Growth (YoY)	4.80%	38.49%	-17.06%	5.07%	8.00%
Revenues Before Loan Losses	818.01	746.3	651.88	679.36	620.65
Provision for Loan Losses	21.35	22.77	11.2	14.77	-8.84
Revenue	796.66	723.53	640.67	664.58	629.49
Revenue Growth (YoY)	10.11%	12.93%	-3.60%	5.58%	8.12%
Salaries and Employee Benefits	313.92	286.68	266	243.14	228.8
Occupancy Expenses	48.25	32.94	33.06	33.67	32.65
Amortization of Goodwill & Intangibles	13.85	14.26	14.51	15.21	14.05
Selling, General & Administrative	103.19	118.04	114.53	104.15	93.34
Other Non-Interest Expense	42.06	34.11	32.78	23.37	18.5
Total Non-Interest Expense	521.26	486.03	460.88	419.55	387.34
EBT Excluding Unusual Items	275.39	237.5	179.8	245.04	242.15
Legal Settlements	-	-0.14	-5.8	-	0.1
Other Unusual Items	-	-0.44	-4.54	0.3	-0.2
Pretax Income	275.39	236.71	168.23	240.31	241.35
Income Tax Expense	64.94	54.22	36.31	52.23	51.65
Net Income	210.46	182.48	131.92	188.08	189.69
Preferred Dividends & Other Adjustments	-	0.74	0.45	0.53	0.45
Net Income to Common	210.46	181.74	131.48	187.55	189.25
Net Income Growth	15.33%	38.32%	-29.86%	-0.85%	15.19%
Basic Shares Outstanding	53	53	54	54	54
Diluted Shares Outstanding	53	53	54	54	54
Shares Change (YoY)	0.24%	-1.57%	-0.89%	-0.35%	2.02%
EPS (Basic)	3.98	3.44	2.45	3.48	3.51
EPS (Diluted)	3.97	3.44	2.45	3.46	3.48
EPS Growth	15.41%	40.41%	-29.19%	-0.57%	12.99%
Dividend Per Share	-	1.820	1.780	1.740	1.700
Dividend Growth	-	2.25%	2.30%	2.35%	2.41%
Effective Tax Rate	23.58%	22.91%	21.58%	21.73%	21.40%

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q