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
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%
Non-Interest Income	63.91	78.57	59.1	78.89	74.51	76.04	57	76.2	74.39	70.29	49.77	67.59	65.98	13.5	63.71	65.25	64.1	65.67	63.94	64.31
Non-Interest Income Growth (YoY)	-14.22%	3.34%	3.69%	3.53%	0.16%	8.18%	14.54%	12.74%	12.74%	420.82%	-21.88%	3.58%	2.94%	-79.45%	-0.36%	1.46%	7.80%	12.20%	12.60%	7.79%
Revenues Before Loan Losses	203.06	213.29	192.53	207.05	199.26	196.25	176.97	188.94	183.8	177.28	158.96	175.37	175.26	124.53	175.93	175.64	167.24	160.55	159.68	156.92
Provision for Credit 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	198.45	207.65	187.55	201.49	195.14	189.56	170.76	181.23	181.09	171.13	154.88	172.49	174.51	121.03	173.16	170.58	161.2	159.64	157.52	157.86
Revenue Growth (YoY)	1.70%	9.54%	9.83%	11.18%	7.76%	10.77%	10.25%	5.07%	3.77%	41.40%	-10.56%	1.12%	8.26%	-24.19%	9.93%	8.06%	3.40%	0.91%	2.74%	4.77%
Compensation Expenses	82.43	80.32	81.92	76.53	79.02	76.44	76.25	78.02	73.45	73.06	71.6	70.69	68.03	71.49	64.1	66.19	65.4	61.65	63.09	62.88
Selling, General & Admin	40.44	40.36	38.5	39.59	36.55	36.8	35.63	34.57	33.59	33.1	32.83	34.29	32.41	32.26	31.26	31.36	31.04	29.97	27.77	28.57
Other Non-Interest Expenses	14.86	12.36	3.74	12.2	13.53	12.05	3.44	11.61	11.97	11.93	3.56	11.53	12.59	10.31	10.49	10.64	13.99	8.19	10.05	8.99
Total Non-Interest Expense	137.73	133.04	138.55	128.32	129.1	125.29	125.54	124.2	119	118.08	129.09	116.5	113.04	114.05	105.85	108.19	110.42	99.81	100.91	100.44
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
Provision for Income Taxes	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
Net Income to Common	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
Net Income Growth (YoY)	19.49%	15.33%	9.30%	25.48%	7.13%	21.39%	47.73%	-0.52%	-0.78%	604.93%	-35.84%	-9.37%	21.32%	-87.68%	20.58%	7.40%	-16.98%	-10.96%	-6.28%	5.90%
Shares Outstanding (Basic)	53	53	53	53	53	53	53	53	53	53	54	54	54	54	54	54	54	54	55	54
Shares Outstanding (Diluted)	53	53	53	53	53	53	53	53	53	53	54	54	54	54	54	54	54	54	55	54
Shares Change (YoY)	-0.38%	-0.25%	-0.22%	0.24%	0.70%	-0.75%	-1.09%	-1.73%	-1.94%	-1.35%	-1.08%	-0.97%	-0.79%	-0.60%	-0.56%	-0.51%	-0.46%	0.18%	0.67%	0.81%
EPS (Basic)	1.16	1.08	1.03	1.04	0.97	0.94	0.94	0.83	0.91	0.77	0.63	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	0.63	0.82	0.89	0.11	0.97	0.90	0.73	0.86	0.80	0.83
EPS Growth (YoY)	19.59%	16.13%	9.57%	25.30%	6.59%	22.37%	49.21%	1.22%	2.25%	590.91%	-35.05%	-8.89%	21.92%	-87.21%	21.25%	8.43%	-17.04%	-11.34%	-6.98%	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
Free Cash Flow	0	60.3	61.57	83.43	36.39	51.95	58.54	51.93	33.78	77.33	40.01	57.91	38.61	73.3	68.66	39.57	44.1	49.36	46.54	60.34
Free Cash Flow Growth (YoY)	-	16.06%	5.18%	60.66%	7.72%	-32.82%	46.30%	-10.33%	-12.52%	5.50%	-41.72%	46.35%	-12.44%	48.52%	47.51%	-34.42%	105.54%	-19.00%	-3.59%	133.90%
Free Cash Flow Per Share	-	1.14	1.16	1.58	0.68	0.98	1.10	0.99	0.64	1.45	0.75	1.08	0.72	1.36	1.27	0.73	0.81	0.91	0.85	1.11
Dividends 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%
Profit Margin	30.91%	27.56%	29.02%	27.34%	26.30%	26.17%	29.16%	24.22%	26.46%	23.88%	21.76%	25.58%	27.67%	4.79%	30.34%	28.54%	24.69%	29.48%	27.66%	28.72%
FCF Margin	0.00%	29.04%	32.83%	41.40%	18.65%	27.41%	34.28%	28.65%	18.65%	45.19%	25.83%	33.57%	22.13%	60.57%	39.65%	23.20%	27.36%	30.92%	29.55%	38.22%
Effective Tax Rate	24.11%	23.31%	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%	21.35%	23.03%	21.06%

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Jul 28, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 3, 2026

Data Sources Report a data error