Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
63.80
-0.68 (-1.05%)
At close: Nov 3, 2026, 4:00 PM EST
64.00
+0.20 (0.31%)
After-hours: Nov 3, 2026, 7:30 PM EST
CBU Financials Overview
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 | Sep '26 Sep 30, 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 |
Revenue Revenue Growth | 858.4 | 796.66 | 723.53 | 640.67 | 664.58 | 629.49 |
Revenue Growth | 10.58% | 10.11% | 12.93% | -3.60% | 5.58% | 8.12% |
Net Income Net Income Growth | 235.15 | 211.33 | 183.22 | 132.37 | 187.55 | 189.25 |
Earnings Per Share EPS Growth | 4.42 | 3.97 | 3.44 | 2.45 | 3.46 | 3.48 |
EPS Growth | 13.97% | 15.41% | 40.41% | -29.19% | -0.57% | 12.99% |
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Period Ending | 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 |
Banking and Corporate Banking and Corporate Growth | 565.44 | 501.19 | 493.79 | 478.05 | - |
Employee Benefit Services Employee Benefit Services Growth | 142.36 | 137.39 | 122.93 | 118.13 | 116.91 |
Wealth Management Services Wealth Management Services Growth | 39.43 | 38.67 | 33.65 | 33.02 | - |
Insurance Services Insurance Services Growth | 54.43 | 50.47 | 47.32 | 39.97 | - |
Unallocated Other Revenues Unallocated Other Revenues Growth | 0.38 | 0.74 | -52.13 | -0.04 | - |
Eliminations Eliminations Growth | -5.38 | -4.93 | -4.63 | -4.54 | -7.13 |
Total Total Growth | 796.66 | 723.53 | 640.92 | 664.58 | 629.49 |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 |
Cash & Investments Cash & Investments Growth | 424.64 | 309.29 | 199.66 | 190.97 | 209.9 | 1,875 |
Total Debt Total Debt Growth | 636.01 | 762.52 | 1,059 | 806.61 | 1,169 | 362.72 |
Net Cash (Debt) Net Cash Growth | -211.37 | -453.22 | -859.48 | -615.64 | -958.97 | 1,512 |
Net Cash Growth | - | - | - | - | - | 22.05% |
Net Cash Per Share Net Cash Per Share Growth | -4.00 | -8.58 | -16.25 | -11.46 | -17.69 | 27.80 |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 |
Operating Cash Flow Operating Cash Flow Growth | - | 301.86 | 242.28 | 228.42 | 214.6 | 202.55 |
Capital Expenditures CapEx Growth | - | -68.53 | -20.7 | -18.59 | -12.92 | -13.38 |
Free Cash Flow Free Cash Flow Growth | - | 233.33 | 221.57 | 209.84 | 201.68 | 189.17 |
Free Cash Flow Growth | - | 5.31% | 5.59% | 4.04% | 6.61% | 14.86% |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 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 |
Profit Margin | 27.39% | 26.53% | 25.32% | 20.66% | 28.22% | 30.06% |
FCF Margin | - | 29.29% | 30.62% | 32.75% | 30.35% | 30.05% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Nov '26 Nov 4, 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 |
Dividend Per Share Dividend Per Share Growth | 1.960 | 1.860 | 1.820 | 1.780 | 1.740 | 1.700 |
Dividend Per Share Growth | 3.23% | 2.20% | 2.25% | 2.30% | 2.35% | 2.41% |
Dividend Yield | 3.07% | 3.24% | 2.96% | 3.41% | 2.76% | 2.28% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Nov '26 Nov 4, 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 |
PE Ratio | 14.43 | 14.31 | 17.69 | 21.02 | 18.04 | 21.23 |
Forward PE | 12.83 | 12.32 | 16.10 | 16.08 | 16.91 | 23.56 |
P/FCF Ratio | 13.55 | 12.96 | 14.63 | 13.26 | 16.77 | 21.23 |
PS Ratio | 3.89 | 3.80 | 4.48 | 4.34 | 5.09 | 6.38 |