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Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
59.93
+0.39 (0.66%)
Oct 1, 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
218.55207.65210.47201.49195.14189.56190.08181.23181.09171.13172.89172.49174.51120.78173.16170.58161.2159.64157.52157.86
Revenue Growth
12.00%9.54%10.73%11.18%7.76%10.77%9.95%5.07%3.77%41.68%-0.16%1.12%8.26%-24.34%9.93%8.06%3.40%0.91%2.74%4.77%
Net Income
61.1857.0255.9554.8551.0949.4251.0643.7147.7540.7633.5943.9748.15.7852.3848.5539.6846.9443.4645.23
Earnings Per Share
1.161.081.031.040.970.930.940.830.910.760.620.820.890.110.970.900.730.860.800.83
EPS Growth
19.85%16.13%9.66%25.30%6.78%22.37%50.16%1.22%1.85%607.85%-35.61%-8.89%21.92%-87.52%21.20%8.43%-17.04%-11.34%-6.76%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
Unallocated Other Revenues
4.71-0.4-0.110.24-00.250.25-0.150.640.02----------
Banking and Corporate
154.82149.9150.99142.87139.81131.78132.99124.62125.33118.25122.56121.87125.74123.63------
Eliminations
-1.37-1.55-1.48-1.33-1.24-1.34-1.36-1.18-1.14-1.25-1.19-1.08-1.13-1.24-2.06-1.84-1.87-2.06-1.79-1.75
Wealth Management Services
11.2211.0610.29.539.2210.4910.389.389.159.768.338.368.268.7------
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------
Total
218.55207.65210.47201.49195.14189.56190.08181.23181.09171.13173.13172.49174.51121.03173.16170.58161.2159.64179.52157.86

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 & Investments
247.94562.65309.29253.24237.7521.76199.66351.46202.39338.42190.97455.82222.8189.3209.9247.39197.671,0211,8752,323
Total Debt
772.15653.97762.52771.17900.7865.571,059953.44932.61682.36806.61647.09484.75380.291,169495.3312.49305.67362.72322.96
Net Cash (Debt)
-524.21-91.33-453.22-517.93-663-343.81-859.48-601.98-730.22-343.95-615.64-191.27-261.95-190.99-958.97-247.91-114.83715.391,5122,000
Net Cash Growth
------------------62.04%22.05%36.92%
Net Cash Per Share
-9.93-1.73-8.56-9.81-12.54-6.50-16.19-11.43-13.84-6.45-11.42-3.57-4.87-3.53-17.68-4.58-2.1213.1627.7236.76

Cash Flow & CapEx
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
Operating Cash Flow
51.0571.5684.58101.0953.6962.5165.7456.8639.7979.8944.7164.8641.4877.3771.5644.1246.9851.9449.5264.95
Capital Expenditures
-9.67-11.26-23.01-17.66-17.3-10.56-7.2-4.93-6.01-2.56-4.7-6.95-2.87-4.07-2.91-4.55-2.88-2.58-3.08-4.61
Free Cash Flow
41.3860.361.5783.4336.3951.9558.5451.9333.7877.3340.0157.9138.6173.368.6639.5744.149.3646.4460.34
Free Cash Flow Growth
13.72%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%47.83%-34.42%105.54%-19.00%-4.39%133.90%

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
Profit Margin
27.99%27.46%26.58%27.22%26.18%26.07%26.86%24.12%26.37%23.82%19.43%25.49%27.56%4.79%30.25%28.46%24.62%29.40%27.59%28.65%
FCF Margin
18.93%29.04%29.25%41.40%18.65%27.41%30.80%28.65%18.65%45.19%23.14%33.57%22.13%60.69%39.65%23.20%27.36%30.92%29.48%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
2.82%3.24%3.31%3.25%3.36%3.37%3.12%3.32%4.09%4.04%3.74%4.63%4.19%3.75%3.14%3.29%3.13%2.83%2.66%2.90%

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
15.4014.0814.3215.0215.3915.6517.6918.4015.0015.2321.1715.0416.2719.3418.0418.0719.4620.6221.2319.20
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
14.3012.7512.9613.4615.1215.3114.6315.0311.9211.8513.269.4711.4412.5516.7717.9917.0421.3021.2319.28
PS Ratio
4.213.783.803.993.984.054.484.323.573.674.343.533.944.525.094.975.365.996.385.90