Community Financial System, Inc. (CBU)

CBU Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Quarter	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Period Ending	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021
Interest Income on Loans	157.53	154.38	154.77	152.51	146.53	142.9	144.64	140.47	133.16	127.5	122.39	115.14	107.28	100.36	96.17	88.43	77.96	72.51	76.91	75.83
Interest Income on Investments	26.82	25.61	26.7	24.77	26.34	24.74	25.29	23.43	23.88	25.16	23.93	22.42	24.35	25.52	27.82	27.44	28.22	25.18	21.82	19.84
Total Interest Income	184.35	179.99	181.47	177.28	172.88	167.65	169.93	163.9	157.04	152.66	146.33	137.56	131.62	125.88	123.98	115.88	106.18	97.7	98.73	95.67
Interest Paid on Deposits	39.38	39.37	41.56	40.72	40.64	39.29	41.75	40.59	40.39	36.79	31.91	24.56	18.95	9.93	5.93	3.86	2.69	2.57	2.73	2.82
Interest Paid on Borrowings	5.83	5.9	6.49	8.4	7.49	8.15	8.2	10.56	7.24	8.88	5.23	5.22	3.4	4.92	5.83	1.63	0.34	0.26	0.25	0.23
Total Interest Expense	45.21	45.28	48.04	49.12	48.13	47.44	49.96	51.16	47.63	45.67	37.14	29.77	22.35	14.85	11.76	5.48	3.03	2.82	2.99	3.06
Net Interest Income	139.14	134.71	133.43	128.17	124.75	120.21	119.97	112.75	109.41	106.99	109.19	107.79	109.28	111.03	112.22	110.39	103.14	94.87	95.74	92.61
Net Interest Income Growth (YoY)	11.54%	12.06%	11.21%	13.68%	14.02%	12.36%	9.88%	4.60%	0.12%	-3.64%	-2.70%	-2.36%	5.95%	17.03%	17.21%	19.20%	11.98%	0.98%	2.47%	-0.38%
Trust Income	10.4	10.33	9.57	8.95	8.68	9.86	9.88	8.89	8.69	9.21	7.9	7.93	7.86	8.25	7.39	7.5	8.14	8.63	8.49	8.32
Mortgage Banking Activities	1.19	1.1	0.39	1.18	0.97	1	0.75	1.06	2.28	0.35	0.2	0.11	0.01	0.28	-0.21	0.17	0.27	0.16	0.29	0.46
Gain (Loss) on Sale of Investments	4.71	-0.4	-0.11	0.24	-0	0.25	0.25	-0.15	0.64	0.02	0.05	-0.05	-0.05	-52.33	-0.02	-0	-0.02	0	0	-0.01
Gain (Loss) on Sale of Equity Investments	-0.46	-0.33	-0.29	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Non-Interest Income	52.68	51.95	57.1	53.34	50.34	50.63	50.5	51.49	48.62	46.46	37.16	45.56	44.48	44.17	39.44	40.13	39.57	40.73	39.69	40.1
Total Non-Interest Income	84.01	78.57	82.03	78.89	74.51	76.04	76.31	76.2	74.39	70.29	67.77	67.59	65.98	13.25	63.71	65.25	64.1	65.67	63.94	64.31
Non-Interest Income Growth (YoY)	12.75%	3.34%	7.49%	3.53%	0.16%	8.18%	12.61%	12.74%	12.74%	430.33%	6.38%	3.58%	2.94%	-79.82%	-0.36%	1.46%	7.80%	12.20%	12.60%	7.79%
Revenues Before Loan Losses	223.16	213.29	215.45	207.05	199.26	196.25	196.29	188.94	183.8	177.28	176.96	175.37	175.26	124.28	175.93	175.64	167.24	160.55	159.68	156.92
Provision for Loan Losses	4.61	5.64	4.98	5.56	4.12	6.69	6.21	7.71	2.71	6.15	4.07	2.88	0.75	3.5	2.77	5.06	6.04	0.91	2.16	-0.94
Revenue	218.55	207.65	210.47	201.49	195.14	189.56	190.08	181.23	181.09	171.13	172.89	172.49	174.51	120.78	173.16	170.58	161.2	159.64	157.52	157.86
Revenue Growth (YoY)	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%
Salaries and Employee Benefits	82.43	77.35	70.81	76.53	79.02	73.39	65.85	78.02	73.45	70.69	62.5	70.69	68.03	69.22	55.95	66.19	65.4	59.76	55.23	62.88
Occupancy Expenses	13.89	14.88	1.08	11.42	11.49	12.7	-0.22	10.59	10.72	11.36	1.23	10.36	10.45	11.02	1.93	10.36	10.42	10.95	1.21	9.87
Amortization of Goodwill & Intangibles	4.41	4.25	3.74	3.26	3.37	3.48	3.44	3.37	3.88	3.58	3.56	3.58	3.71	3.67	3.79	3.84	3.85	3.73	3.75	3.7
Selling, General & Administrative	26.56	28.45	48.53	28.17	25.07	27.15	46.24	23.98	22.87	24.11	40.69	23.93	21.96	23.5	37.48	20.99	20.61	20.91	34.43	18.7
Other Non-Interest Expense	9.99	7.68	11.38	8.19	8.57	8.62	9.7	8.23	7.98	8.35	10.44	7.87	7.89	6.59	7.04	6.39	5.78	4.16	5.53	5.28
Total Non-Interest Expense	137.27	132.6	135.53	127.57	127.51	125.34	125.01	124.19	118.9	118.08	118.42	116.42	112.04	114	106.2	107.78	106.06	99.51	100.15	100.43
EBT Excluding Unusual Items	81.28	75.05	74.94	73.92	67.63	64.22	65.07	57.04	62.2	53.04	54.47	56.07	62.47	6.79	66.96	62.81	55.14	60.13	57.37	57.43
Legal Settlements	-0.34	-	-	-	-	0.05	0.08	-0.1	-	-	-5.8	-	-	-	-	-	-	-	-	0.1
Other Unusual Items	0.1	-	-0.2	-	-	-	-0.6	0.16	-	-	-3.7	-0.08	-1	0.24	0.7	-	-0.4	-	-0.2	-
Pretax Income	80.82	74.61	71.92	73.17	66.04	64.27	64.54	57.03	62.09	53.04	43.8	55.99	61.47	6.97	67.31	62.4	50.78	59.83	56.6	57.43
Income Tax Expense	19.48	17.4	17.5	18.08	14.71	14.65	14.75	13.13	14.18	12.17	10.09	11.86	13.18	1.18	14.78	13.71	10.97	12.78	13.04	12.09
Net Income	61.33	57.22	54.42	55.09	51.33	49.61	49.79	43.9	47.92	40.87	33.71	44.13	48.29	5.8	52.53	48.69	39.81	47.06	43.56	45.34
Preferred Dividends & Other Adjustments	0.15	0.2	-1.53	0.24	0.24	0.2	-1.26	0.19	0.17	0.11	0.12	0.16	0.19	0.02	0.15	0.14	0.13	0.12	0.11	0.11
Net Income to Common	61.18	57.02	55.95	54.85	51.09	49.42	51.06	43.71	47.75	40.76	33.59	43.97	48.1	5.78	52.38	48.55	39.68	46.94	43.46	45.23
Net Income Growth (YoY)	19.75%	15.39%	9.59%	25.48%	7.01%	21.23%	52.02%	-0.60%	-0.73%	605.09%	-35.88%	-9.43%	21.22%	-87.68%	20.53%	7.35%	-17.02%	-10.97%	-6.34%	6.01%
Basic Shares Outstanding	53	53	53	53	53	53	53	53	53	53	54	54	54	54	54	54	54	54	54	54
Diluted Shares Outstanding	53	53	53	53	53	53	53	53	53	53	54	54	54	54	54	54	54	54	55	54
Shares Change (YoY)	-0.16%	-0.25%	-0.22%	0.24%	0.23%	-0.75%	-1.57%	-1.73%	-1.94%	-1.35%	-0.60%	-0.97%	-0.79%	-0.60%	-0.56%	-0.51%	-0.46%	0.18%	0.67%	0.81%
EPS (Basic)	1.16	1.08	1.06	1.04	0.97	0.94	0.96	0.83	0.91	0.77	0.62	0.82	0.90	0.11	0.97	0.90	0.74	0.87	0.80	0.84
EPS (Diluted)	1.16	1.08	1.03	1.04	0.97	0.93	0.94	0.83	0.91	0.76	0.62	0.82	0.89	0.11	0.97	0.90	0.73	0.86	0.80	0.83
EPS Growth (YoY)	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%

Additional Metrics

Fiscal Quarter	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Period Ending	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021
Dividend Per Share	0.470	0.470	0.470	0.470	0.460	0.460	0.460	0.460	0.450	0.450	0.450	0.450	0.440	0.440	0.440	0.440	0.430	0.430	0.430	0.430
Dividend Growth (YoY)	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%
Effective Tax Rate	24.11%	23.32%	24.33%	24.71%	22.27%	22.80%	22.85%	23.02%	22.83%	22.95%	23.04%	21.18%	21.44%	16.85%	21.96%	21.97%	21.61%	21.36%	23.04%	21.06%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 28, 2026

Data Sources Report a data error