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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 Income on Loans | 630.02 | 596.72 | 545.77 | 445.17 | 335.08 | 308.36 |
Interest Income on Investments | 104.04 | 102.56 | 97.76 | 96.22 | 108.65 | 79.07 |
Total Interest Income | 734.06 | 699.28 | 643.53 | 541.39 | 443.73 | 387.42 |
Interest Paid on Deposits | 152.71 | 162.2 | 159.52 | 85.34 | 15.04 | 11.63 |
Interest Paid on Borrowings | 30.53 | 30.53 | 34.89 | 18.77 | 8.06 | 1.38 |
Total Interest Expense | 183.23 | 192.73 | 194.41 | 104.1 | 23.1 | 13.01 |
Net Interest Income | 550.83 | 506.55 | 449.12 | 437.29 | 420.63 | 374.41 |
Net Interest Income Growth | 11.71% | 12.79% | 2.71% | 3.96% | 12.34% | 1.63% |
Trust Income | 42.69 | 37.07 | 36.67 | 31.94 | 31.67 | 33.24 |
Mortgage Banking Activities | 3.54 | 3.54 | 4.42 | 0.6 | 0.39 | 1.77 |
Gain (Loss) on Sale of Investments | 1.29 | 0.38 | 0.74 | -52.38 | -0.04 | 0.02 |
Gain (Loss) on Sale of Equity Investments | -0.27 | -0.29 | - | - | - | - |
Other Non-Interest Income | 216.5 | 211.4 | 197.07 | 179.74 | 159.86 | 151.99 |
Total Non-Interest Income | 328.36 | 311.46 | 297.19 | 214.59 | 258.73 | 246.24 |
Non-Interest Income Growth | 7.40% | 4.80% | 38.49% | -17.06% | 5.07% | 8.00% |
Revenues Before Loan Losses | 879.18 | 818.01 | 746.3 | 651.88 | 679.36 | 620.65 |
Provision for Loan Losses | 20.78 | 21.35 | 22.77 | 11.2 | 14.77 | -8.84 |
| 858.4 | 796.66 | 723.53 | 640.67 | 664.58 | 629.49 | |
Revenue Growth | 10.58% | 10.11% | 12.93% | -3.60% | 5.58% | 8.12% |
Salaries and Employee Benefits | 309.62 | 294.92 | 283.88 | 266 | 243.14 | 228.8 |
Occupancy Expenses | 43.88 | 36.69 | 32.45 | 33.06 | 33.67 | 32.65 |
Amortization of Goodwill & Intangibles | 16.72 | 13.85 | 14.26 | 14.51 | 15.21 | 14.05 |
Selling, General & Administrative | 137.32 | 133.76 | 121.34 | 114.53 | 104.15 | 93.34 |
Other Non-Interest Expense | 37.5 | 36.75 | 34.11 | 32.78 | 23.37 | 18.5 |
Total Non-Interest Expense | 545.04 | 515.95 | 486.03 | 460.88 | 419.55 | 387.34 |
EBT Excluding Unusual Items | 313.36 | 280.71 | 237.5 | 179.8 | 245.04 | 242.15 |
Legal Settlements | 0.05 | 0.05 | -0.14 | -5.8 | - | 0.1 |
Other Unusual Items | -0.2 | -0.2 | -0.44 | -4.54 | 0.3 | -0.2 |
Pretax Income | 308.05 | 275.39 | 236.71 | 168.23 | 240.31 | 241.35 |
Income Tax Expense | 73.77 | 64.94 | 54.22 | 36.31 | 52.23 | 51.65 |
Net Income | 234.28 | 210.46 | 182.48 | 131.92 | 188.08 | 189.69 |
Preferred Dividends & Other Adjustments | -0.87 | -0.87 | -0.74 | -0.45 | 0.53 | 0.45 |
Net Income to Common | 235.15 | 211.33 | 183.22 | 132.37 | 187.55 | 189.25 |
Net Income Growth | 13.92% | 15.34% | 38.41% | -29.42% | -0.90% | 15.28% |
Basic Shares Outstanding | 53 | 53 | 53 | 54 | 54 | 54 |
Diluted Shares Outstanding | 53 | 53 | 53 | 54 | 54 | 54 |
Shares Change | -0.06% | -0.12% | -1.57% | -0.89% | -0.35% | 2.02% |
EPS (Basic) | 4.47 | 4.01 | 3.47 | 2.47 | 3.48 | 3.51 |
EPS (Diluted) | 4.42 | 3.97 | 3.44 | 2.45 | 3.46 | 3.48 |
EPS Growth | 13.97% | 15.41% | 40.41% | -29.19% | -0.57% | 12.99% |
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 |
Dividend Per Share | 1.900 | 1.860 | 1.820 | 1.780 | 1.740 | 1.700 |
Dividend Growth | 2.70% | 2.20% | 2.25% | 2.30% | 2.35% | 2.41% |
Effective Tax Rate | 23.95% | 23.58% | 22.91% | 21.58% | 21.73% | 21.40% |