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Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
62.86
-0.48 (-0.76%)
Sep 15, 2026, 3:31 PM EDT - Market open

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
838.16814.75796.66776.26756.01741.96723.53706.34697.6691.02640.67640.95639.04625.73664.58648.94636.22630.92629.49625.28
Revenue Growth
10.87%9.81%10.11%9.90%8.37%7.37%12.93%10.20%9.16%10.44%-3.60%-1.23%0.44%-0.82%5.58%3.78%2.93%5.63%8.12%8.58%
Net Income
229.02218.93211.33206.42195.22191.88183.22165.75166.09166.46132.37150.27154.84146.39187.55178.62175.33183.47189.25192.19
Earnings Per Share
4.314.123.973.883.673.613.443.133.123.102.452.792.862.713.463.293.233.373.483.54
EPS Growth
17.43%14.09%15.41%24.03%17.62%16.34%40.41%12.06%9.03%14.50%-29.19%-15.14%-11.39%-19.56%-0.57%-7.03%-7.66%2.39%12.99%16.43%

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
4.44-0.270.380.730.340.970.74----52.13----0.04-----
Banking and Corporate
598.57583.56565.44547.45529.2514.72501.19490.75488.01488.42493.79---478.05-----
Eliminations
-5.72-5.59-5.38-5.27-5.12-5.02-4.93-4.75-4.66-4.64-4.63-5.51-6.27-7.01-4.54-7.56-7.47-7.3-7.13-7.21
Wealth Management Services
42.0140.0139.4339.6139.4639.3938.6736.6335.6134.7133.65---33.02-----
Employee Benefit Services
147.03144.56142.36139.56138.45138.31137.39133.29129.66125.68122.93121.41118.71118.46118.13119.38121.39119.93116.91113.42
Insurance Services
51.8452.4954.4354.253.6953.5950.4749.8748.3346.8947.32---39.97-----
Total
838.16814.75796.66776.26756.01741.96723.53706.58697.6691.02640.92640.95639.28625.97664.58670.94636.22630.92629.49603.7

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
-9.93-1.73-8.58-9.80-12.56-6.51-16.25-11.35-13.70-6.42-11.46-3.55-4.85-3.53-17.69-4.57-2.1113.1427.8036.83

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
308.27310.91301.86283.02238.79224.89242.28221.24229.24230.94228.42255.28234.54240.04214.6192.56213.38192.67202.55207.27
Capital Expenditures
-61.6-69.23-68.53-52.72-39.99-28.7-20.7-18.2-20.21-17.07-18.59-16.8-14.4-14.41-12.92-13.09-13.15-15.08-13.38-15.97
Free Cash Flow
246.67241.68233.33230.3198.8196.19221.57203.05209.03213.87209.84238.48220.14225.63201.68179.47200.23177.59189.17191.3
Free Cash Flow Growth
24.08%23.18%5.31%13.42%-4.89%-8.26%5.59%-14.86%-5.05%-5.21%4.04%32.88%9.94%27.05%6.61%-6.19%27.73%-12.23%14.86%1.02%

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
27.32%26.87%26.53%26.59%25.82%25.86%25.32%23.47%23.81%24.09%20.66%23.45%24.23%23.40%28.22%27.53%27.56%29.08%30.06%30.74%
FCF Margin
29.43%29.66%29.29%29.67%26.30%26.44%30.62%28.75%29.96%30.95%32.75%37.21%34.45%36.06%30.35%27.66%31.47%28.15%30.05%30.59%

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
1.8801.8701.8601.8501.8401.8301.8201.8101.8001.7901.7801.7701.7601.7501.7401.7301.7201.7101.7001.690
Dividend Per Share Growth
2.17%2.19%2.20%2.21%2.22%2.23%2.25%2.26%2.27%2.29%2.30%2.31%2.33%2.34%2.35%2.37%2.38%2.40%2.41%2.42%
Dividend Yield
2.80%3.21%3.29%3.23%3.34%3.35%3.09%3.29%4.06%4.01%3.71%4.59%4.16%3.72%3.11%3.27%3.10%2.80%2.64%2.88%

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
15.4014.0714.3115.0215.4015.6617.6918.4115.0015.2221.0215.0416.2719.3418.0418.0719.4620.6121.2319.20
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