Community Financial System, Inc. (CBU)

NYSE: CBU · Real-Time Price · USD

63.16

+0.08 (0.13%)

At close: Aug 28, 2026, 4:00 PM EDT

63.14

-0.02 (-0.03%)

After-hours: Aug 28, 2026, 7:00 PM EDT

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	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 & Equivalents	243.41	301.76	197	190.96	209.9	1,875
Investment Securities	3,898	3,808	3,625	3,679	4,839	4,441
Trading Asset Securities	4.53	7.54	2.66	0.01	0.01	0.03
Mortgage-Backed Securities	589.19	568.97	514.15	420.53	396.9	497.4
Total Investments	4,491	4,385	4,142	4,099	5,236	4,938
Gross Loans	11,283	10,950	10,432	9,705	8,809	7,374
Allowance for Loan Losses	-91.7	-87.92	-79.11	-66.67	-61.06	-49.87
Net Loans	11,191	10,862	10,353	9,638	8,748	7,324
Property, Plant & Equipment	250.25	246.51	183.76	173.42	160.78	160.65
Goodwill	900.65	887.98	853.23	845.4	841.84	799.11
Other Intangible Assets	63.04	54.74	48.25	52.59	61	65.23
Loans Held for Sale	1.57	0.11	1.47	0.41	-	-
Accrued Interest Receivable	60.89	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	7.7	5.78	2.78	1.16	0.5	0.72
Other Long-Term Assets	498.63	405.64	388.92	385.02	321.91	347.02
Total Assets	17,764	17,303	16,386	15,556	15,836	15,553

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
Interest Bearing Deposits	8,018	10,155	9,212	8,842	8,743	8,753
Institutional Deposits	2,820	548.48	672.98	447.99	129.08	236.76
Non-Interest Bearing Deposits	3,873	3,683	3,557	3,639	4,141	3,922
Total Deposits	14,710	14,387	13,442	12,928	13,012	12,911
Short-Term Borrowings	338.43	238.69	382.22	357.6	1,115	324.72
Current Portion of Leases	-	12.61	11.58	9.66	9	-
Accrued Interest Payable	208.45	132.66	107.13	106.09	87.1	96.07
Long-Term Debt	-	-	-	-	3.25	3.28
Federal Home Loan Bank Debt, Long-Term	433.72	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	15,691	15,297	14,623	13,858	14,284	13,452

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
Common Stock	55.07	54.91	54.7	54.37	54.19	54.09
Additional Paid-In Capital	1,100	1,088	1,076	1,060	1,050	1,041
Retained Earnings	1,457	1,388	1,275	1,189	1,152	1,058
Treasury Stock	-126.36	-110.95	-100.54	-55.59	-26.49	-10.61
Comprehensive Income & Other	-413.06	-413.61	-542.19	-550	-678.68	-42.27
Shareholders' Equity	2,073	2,006	1,763	1,698	1,552	2,101
Total Liabilities & Equity	17,764	17,303	16,386	15,556	15,836	15,553

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
Total Debt	772.15	762.52	1,059	806.61	1,169	362.72
Net Cash (Debt)	-524.21	-453.22	-859.48	-615.64	-958.97	1,512
Net Cash Growth	-	-	-	-	-	22.05%
Net Cash Per Share	-9.93	-8.58	-16.25	-11.46	-17.69	27.80
Filing Date Shares Outstanding	52.62	52.72	52.71	53.33	53.77	53.86
Total Common Shares Outstanding	52.6	52.68	52.67	53.33	53.74	53.88
Book Value Per Share	39.41	38.08	33.47	31.84	28.88	38.99
Tangible Book Value	1,109	1,063	861.36	799.95	648.87	1,236
Tangible Book Value Per Share	21.09	20.18	16.35	15.00	12.07	22.95

SEC Filings: 10-K · 10-Q