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 Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
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 |
Cash & Equivalents | 424.64 | 301.76 | 197 | 190.96 | 209.9 | 1,875 |
Investment Securities | 4,120 | 3,808 | 3,625 | 3,679 | 4,839 | 4,441 |
Trading Asset Securities | - | 7.54 | 2.66 | 0.01 | 0.01 | 0.03 |
Mortgage-Backed Securities | - | 568.97 | 514.15 | 420.53 | 396.9 | 497.4 |
Total Investments | 4,120 | 4,385 | 4,142 | 4,099 | 5,236 | 4,938 |
Gross Loans | 11,518 | 10,950 | 10,432 | 9,705 | 8,809 | 7,374 |
Allowance for Loan Losses | -92.02 | -87.92 | -79.11 | -66.67 | -61.06 | -49.87 |
Net Loans | 11,426 | 10,862 | 10,353 | 9,638 | 8,748 | 7,324 |
Property, Plant & Equipment | - | 246.51 | 183.76 | 173.42 | 160.78 | 160.65 |
Goodwill | - | 887.98 | 853.23 | 845.4 | 841.84 | 799.11 |
Other Intangible Assets | 967.42 | 54.74 | 48.25 | 52.59 | 61 | 65.23 |
Loans Held for Sale | - | 0.11 | 1.47 | 0.41 | - | - |
Accrued Interest Receivable | - | 57.73 | 54.34 | 54.53 | 52.61 | 35.89 |
Other Current Assets | - | 0.5 | 1.4 | 2.7 | 5.4 | - |
Long-Term Deferred Tax Assets | - | 62.69 | 114.05 | 79.89 | 149.63 | - |
Other Real Estate Owned & Foreclosed | 7.27 | 5.78 | 2.78 | 1.16 | 0.5 | 0.72 |
Other Long-Term Assets | 842.47 | 405.64 | 388.92 | 385.02 | 321.91 | 347.02 |
Total Assets | 17,788 | 17,303 | 16,386 | 15,556 | 15,836 | 15,553 |
Liabilities
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 |
Interest Bearing Deposits | 10,972 | 10,155 | 9,212 | 8,842 | 8,743 | 8,753 |
Institutional Deposits | - | 548.48 | 672.98 | 447.99 | 129.08 | 236.76 |
Non-Interest Bearing Deposits | 3,893 | 3,683 | 3,557 | 3,639 | 4,141 | 3,922 |
Total Deposits | 14,865 | 14,387 | 13,442 | 12,928 | 13,012 | 12,911 |
Short-Term Borrowings | 215.04 | 238.69 | 382.22 | 357.6 | 1,115 | 324.72 |
Current Portion of Leases | - | 12.61 | 11.58 | 9.66 | 9 | - |
Accrued Interest Payable | 256.27 | 132.66 | 107.13 | 106.09 | 87.1 | 96.07 |
Long-Term Debt | 420.97 | - | - | - | 3.25 | 3.28 |
Federal Home Loan Bank Debt, Long-Term | - | 458.77 | 619.31 | 407.6 | 19.47 | 1.89 |
Long-Term Leases | - | 52.45 | 46.03 | 31.75 | 22.1 | 32.83 |
Pension & Post-Retirement Benefits | - | 13.51 | 15.23 | 15.8 | 15.67 | 21.65 |
Long-Term Deferred Tax Liabilities | - | - | - | - | - | 60.25 |
Other Long-Term Liabilities | - | 1.5 | - | 1.2 | - | - |
Total Liabilities | 15,757 | 15,297 | 14,623 | 13,858 | 14,284 | 13,452 |
Shareholders' Equity
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 |
Common Stock | 2,031 | 54.91 | 54.7 | 54.37 | 54.19 | 54.09 |
Additional Paid-In Capital | - | 1,088 | 1,076 | 1,060 | 1,050 | 1,041 |
Retained Earnings | - | 1,388 | 1,275 | 1,189 | 1,152 | 1,058 |
Treasury Stock | - | -110.95 | -100.54 | -55.59 | -26.49 | -10.61 |
Comprehensive Income & Other | - | -413.61 | -542.19 | -550 | -678.68 | -42.27 |
Shareholders' Equity | 2,031 | 2,006 | 1,763 | 1,698 | 1,552 | 2,101 |
Total Liabilities & Equity | 17,788 | 17,303 | 16,386 | 15,556 | 15,836 | 15,553 |
Additional Metrics
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 |
Total Debt | 636.01 | 762.52 | 1,059 | 806.61 | 1,169 | 362.72 |
Net Cash (Debt) | -211.37 | -453.22 | -859.48 | -615.64 | -958.97 | 1,512 |
Net Cash Growth | - | - | - | - | - | 22.05% |
Net Cash Per Share | -4.00 | -8.58 | -16.25 | -11.46 | -17.69 | 27.80 |
Filing Date Shares Outstanding | 52.38 | 52.72 | 52.71 | 53.33 | 53.77 | 53.86 |
Total Common Shares Outstanding | 52.38 | 52.68 | 52.67 | 53.33 | 53.74 | 53.88 |
Book Value Per Share | 38.77 | 38.08 | 33.47 | 31.84 | 28.88 | 38.99 |
Tangible Book Value | 1,063 | 1,063 | 861.36 | 799.95 | 648.87 | 1,236 |
Tangible Book Value Per Share | 20.30 | 20.18 | 16.35 | 15.00 | 12.07 | 22.95 |