Community Financial System, Inc. (CBU)

CBU Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	506.55	449.12	437.29	420.63	374.41
Net Interest Income Growth	12.79%	2.71%	3.96%	12.34%	1.63%
Non-Interest Income	311.46	297.19	214.83	258.73	246.24
Non-Interest Income Growth	4.80%	38.33%	-16.96%	5.07%	7.80%
Revenues Before Loan Losses	818.01	746.3	652.12	679.36	620.65
Provision for Credit Losses	21.35	22.77	11.2	14.77	-8.84
Revenue	796.66	723.53	640.92	664.58	629.49
Revenue Growth (YoY)	10.11%	12.89%	-3.56%	5.58%	8.05%
Compensation Expenses	313.92	300.78	281.8	257.34	241.5
Selling, General & Admin	151.44	136.88	131.79	123.63	113.29
Other Non-Interest Expenses	55.91	49.16	59.1	43.3	33.35
Total Non-Interest Expense	521.26	486.83	472.69	424.27	388.14
Pretax Income	275.39	236.71	168.23	240.31	241.35
Provision for Income Taxes	64.94	54.22	36.31	52.23	51.65
Net Income	210.46	182.48	131.92	188.08	189.69
Net Income to Common	210.46	182.48	131.92	188.08	189.69
Net Income Growth	15.33%	38.32%	-29.86%	-0.85%	15.19%
Shares Outstanding (Basic)	53	53	54	54	54
Shares Outstanding (Diluted)	53	53	54	54	54
Shares Change (YoY)	-0.12%	-1.57%	-0.89%	-0.35%	2.02%
EPS (Basic)	3.98	3.44	2.45	3.48	3.51
EPS (Diluted)	3.97	3.44	2.45	3.46	3.48
EPS Growth	15.41%	40.41%	-29.19%	-0.57%	12.99%
Free Cash Flow	233.33	221.57	209.84	201.68	188.82
Free Cash Flow Growth	5.31%	5.59%	4.04%	6.81%	14.59%
Free Cash Flow Per Share	4.42	4.19	3.91	3.72	3.47
Dividends Per Share	1.860	1.820	1.780	1.740	1.700
Dividend Growth	2.20%	2.25%	2.30%	2.35%	2.41%
Profit Margin	26.42%	25.22%	20.58%	28.30%	30.13%
FCF Margin	29.29%	30.62%	32.74%	30.35%	30.00%
EBITDA	29.42	27.94	27.5	29.63	29.64
EBITDA Margin	3.69%	3.86%	4.29%	4.46%	4.71%
Effective Tax Rate	23.58%	22.91%	21.58%	21.74%	21.40%

Updated Jan 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q