Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
64.85
-0.47 (-0.72%)
At close: Aug 7, 2026, 4:00 PM EDT
64.81
-0.04 (-0.06%)
After-hours: Aug 7, 2026, 7:00 PM EDT
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 | Jun '26 Jun 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 | 816.02 | 796.66 | 723.53 | 640.92 | 664.58 | 629.49 |
Revenue Growth | 10.73% | 10.11% | 12.89% | -3.56% | 5.58% | 8.05% |
Net Income Net Income Growth | 228.06 | 210.46 | 182.48 | 131.92 | 188.08 | 189.69 |
Earnings Per Share EPS Growth | 4.31 | 3.97 | 3.44 | 2.45 | 3.46 | 3.48 |
EPS Growth | 17.44% | 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 |
Insurance Services Insurance Services Growth | 54.43 | 50.47 | 47.32 | 39.97 | - |
Wealth Management Services Wealth Management Services Growth | 39.43 | 38.67 | 33.65 | 33.02 | - |
Eliminations Eliminations Growth | -5.38 | -4.93 | -4.63 | -4.54 | -7.13 |
Unallocated Other Revenues Unallocated Other Revenues Growth | 0.38 | 0.74 | -52.13 | -0.04 | - |
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 | Jun '26 Jun 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 | 258.17 | 301.76 | 197 | 190.96 | 209.9 | 1,875 |
Total Debt Total Debt Growth | 0 | 0 | 0 | 0 | 3.25 | 3.28 |
Net Cash (Debt) Net Cash Growth | 258.17 | 301.76 | 197 | 190.96 | 206.65 | 1,872 |
Net Cash Growth | 8.82% | 53.17% | 3.16% | -7.59% | -88.96% | 19.59% |
Net Cash Per Share Net Cash Per Share Growth | 4.89 | 5.71 | 3.73 | 3.55 | 3.81 | 34.41 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 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 | 308.27 | 301.86 | 242.28 | 228.42 | 214.6 | 202.55 |
Capital Expenditures CapEx Growth | -61.6 | -68.53 | -20.7 | -18.59 | -12.92 | -13.73 |
Free Cash Flow Free Cash Flow Growth | 246.67 | 233.33 | 221.57 | 209.84 | 201.68 | 188.82 |
Free Cash Flow Growth | 24.08% | 5.31% | 5.59% | 4.04% | 6.81% | 14.59% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 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 |
Pretax Margin | 36.83% | 34.57% | 32.72% | 26.25% | 36.16% | 38.34% |
Profit Margin | 27.95% | 26.42% | 25.22% | 20.58% | 28.30% | 30.13% |
FCF Margin | 30.23% | 29.29% | 30.62% | 32.74% | 30.35% | 30.00% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 8, 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 | 2.70% | 2.20% | 2.25% | 2.30% | 2.35% | 2.41% |
Dividend Yield | 3.02% | 3.22% | 2.94% | 3.40% | 2.75% | 2.26% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 8, 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 | 15.04 | 14.47 | 17.93 | 21.27 | 18.19 | 21.40 |
Forward PE | 13.35 | 12.32 | 16.10 | 16.08 | 16.91 | 23.56 |
P/FCF Ratio | 14.11 | 12.97 | 14.66 | 13.24 | 16.77 | 21.25 |
PS Ratio | 4.07 | 3.80 | 4.49 | 4.34 | 5.09 | 6.37 |