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Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
64.81
-0.27 (-0.41%)
Jul 31, 2026, 4:00 PM EDT - Market closed

CBU Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Revenue
198.45207.65187.55201.49195.14189.56170.76181.23181.09171.13154.88172.49174.51121.03173.16170.58161.2159.64157.52157.86
Revenue Growth
1.70%9.54%9.83%11.18%7.76%10.77%10.25%5.07%3.77%41.40%-10.56%1.12%8.26%-24.19%9.93%8.06%3.40%0.91%2.74%4.77%
Net Income
61.3357.2254.4255.0951.3349.6149.7943.947.9240.8733.7144.1348.295.852.5348.6939.8147.0643.5645.34
Earnings Per Share
1.161.081.031.040.970.930.940.830.910.760.630.820.890.110.970.900.730.860.800.83
EPS Growth
19.59%16.13%9.57%25.30%6.59%22.37%49.21%1.22%2.25%590.91%-35.05%-8.89%21.92%-87.21%21.25%8.43%-17.04%-11.34%-6.98%5.06%

Revenue by Segment
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Banking and Corporate
154.82149.9150.99142.87139.81131.78132.99124.62125.33118.25122.56121.87125.74123.63------
Employee Benefit Services
36.3636.3138.3935.9733.8934.1235.5834.8633.7533.1931.4831.2329.7730.4429.9728.5329.5230.2631.0730.54
Insurance Services
12.8112.3312.4814.2213.4614.2712.2413.7113.3611.1511.6512.1711.9211.58------
Wealth Management Services
11.2211.0610.29.539.2210.4910.389.389.159.768.338.368.268.7------
Unallocated Unrealized Gain (loss) On Equity Securities
4.71-----------0.05-0.05-------
Eliminations
--1.55-1.48-1.33-1.24-1.34-1.36-1.18-1.14-1.25-1.19-1.08-1.13-1.24-2.06-1.84-1.87-2.06-1.79-1.75
Unallocated Other Revenues
--0.4-0.110.24-00.250.25-0.150.640.02----------
Total
219.92207.65210.47201.49195.14189.56190.08181.23181.09171.13173.13172.49174.51121.03173.16170.58161.2159.64179.52157.86

Cash & Debt
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Cash & Equivalents
258.17572.17301.76245.25237.25518.02197346.11201.49338.38190.96455.81222.78189.3209.9247.39197.631,0211,8752,323
Total Debt
000000000000003.253.263.263.273.283.28
Net Cash (Debt)
-0-0-0-0-0-0-0-0-0-0-0-0-0-0-3.25-3.26-3.26-3.27-3.28-3.28
Net Cash Growth
--------------------
Net Cash Per Share
---------------0.06-0.06-0.06-0.06-0.06-0.06

Cash Flow & CapEx
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Operating Cash Flow
71.5684.58101.0953.6962.5165.7456.8639.7979.8944.7164.8641.4877.3771.5644.1246.9851.9449.5264.9526.27
Capital Expenditures
-11.26-23.01-17.66-17.3-10.56-7.2-4.93-6.01-2.56-4.7-6.95-2.87-4.07-2.91-4.55-2.88-2.58-2.98-4.61-4.81
Free Cash Flow
60.361.5783.4336.3951.9558.5451.9333.7877.3340.0157.9138.6173.368.6639.5744.149.3646.5460.3421.45
Free Cash Flow Growth
16.06%5.18%60.66%7.72%-32.82%46.30%-10.33%-12.52%5.50%-41.72%46.35%-12.44%48.52%47.51%-34.42%105.54%-19.00%-3.59%133.90%-68.00%

Margins
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Pretax Margin
40.72%35.93%38.35%36.31%33.84%33.90%37.79%31.47%34.29%31.00%28.28%32.46%35.23%5.76%38.87%36.58%31.50%37.48%35.93%36.38%
Profit Margin
30.91%27.56%29.02%27.34%26.30%26.17%29.16%24.22%26.46%23.88%21.76%25.58%27.67%4.79%30.34%28.54%24.69%29.48%27.66%28.72%
FCF Margin
0.00%29.04%32.83%41.40%18.65%27.41%34.28%28.65%18.65%45.19%25.83%33.57%22.13%60.57%39.65%23.20%27.36%30.92%29.55%38.22%

Dividends
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Dividend Per Share
0.4700.4700.4700.4700.4600.4600.4600.4600.4500.4500.4500.4500.4400.4400.4400.4400.4300.4300.4300.430
Dividend Per Share Growth
2.17%2.17%2.17%2.17%2.22%2.22%2.22%2.22%2.27%2.27%2.27%2.27%2.33%2.33%2.33%2.33%2.38%2.38%2.38%2.38%
Dividend Yield
0.00%0.80%0.81%0.79%0.80%0.81%0.74%0.78%0.96%0.94%0.86%1.05%0.94%0.84%0.69%0.72%0.68%0.61%0.57%0.61%

Valuation
Chart
Fiscal QuarterQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period EndingJun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
PE Ratio
15.5714.2414.4715.1115.5015.7517.9318.5515.1315.4921.2715.1316.3319.3718.1918.2619.6520.8221.4019.33
Forward PE
13.5312.5112.3213.3113.4614.1216.1016.5814.4914.9216.0812.6113.9414.1316.9115.9218.0821.3123.5621.86
P/FCF Ratio
-12.7512.9713.4615.1215.3114.6615.0311.8611.8513.249.4611.4012.5016.7717.9816.9721.2821.2519.32
PS Ratio
4.433.893.544.094.084.154.174.433.653.774.013.523.934.515.094.975.345.996.375.90