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	619.19	608.19	596.72	586.59	574.55	561.17	545.77	523.52	498.19	472.3	445.17	418.94	392.24	362.92	335.08	315.82	303.21	301.16	308.36	309.29
Interest Income on Investments	103.9	103.43	102.56	101.15	99.81	97.34	97.76	96.4	95.39	95.86	96.22	100.1	105.13	108.99	108.65	102.66	95.06	86.3	79.07	77
Total Interest Income	723.09	711.62	699.28	687.74	674.36	658.52	643.53	619.92	593.58	568.17	541.39	519.05	497.36	471.92	443.73	418.48	398.27	387.45	387.42	386.29
Interest Paid on Deposits	161.03	162.29	162.2	162.4	162.27	162.02	159.52	149.67	133.64	112.19	85.34	59.36	38.66	22.41	15.04	11.85	10.81	11.08	11.63	12.29
Interest Paid on Borrowings	26.61	28.28	30.53	32.24	34.41	34.16	34.89	31.92	26.57	22.73	18.77	19.36	15.77	12.72	8.06	2.48	1.09	1.04	1.38	1.9
Total Interest Expense	187.64	190.57	192.73	194.64	196.68	196.18	194.41	181.59	160.2	134.92	104.1	78.73	54.44	35.13	23.1	14.33	11.9	12.12	13.01	14.19
Net Interest Income	535.45	521.05	506.55	493.1	477.68	462.34	449.12	438.33	433.38	433.25	437.29	440.32	442.93	436.79	420.63	404.15	386.37	375.33	374.41	372.1
Net Interest Income Growth (YoY)	12.09%	12.70%	12.79%	12.49%	10.22%	6.71%	2.71%	-0.45%	-2.16%	-0.81%	3.96%	8.95%	14.64%	16.37%	12.34%	8.61%	3.73%	0.81%	1.63%	1.20%
Trust Income	39.26	37.54	37.07	37.37	37.31	37.32	36.67	34.7	33.74	32.91	31.94	31.43	31	31.28	31.67	32.77	33.59	33.67	33.24	32.24
Mortgage Banking Activities	3.86	3.64	3.54	3.9	3.77	5.07	4.42	3.87	2.93	0.67	0.6	0.19	0.25	0.51	0.39	0.89	1.18	1.24	1.77	0.58
Gain (Loss) on Sale of Investments	4.44	-0.27	0.38	0.73	0.34	0.97	0.74	0.55	0.65	-0.03	-52.38	-52.45	-52.4	-52.38	-0.04	-0.02	-0.03	-0.01	0.02	0.04
Gain (Loss) on Sale of Equity Investments	-1.07	-0.61	-0.29	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Non-Interest Income	215.07	212.72	211.4	204.8	202.95	201.23	197.07	183.73	177.81	173.67	179.74	173.64	168.21	163.3	159.86	160.12	160.09	157.18	151.99	147.82
Total Non-Interest Income	323.5	314	311.46	305.75	303.06	302.94	297.19	288.64	280.03	271.62	214.59	210.53	208.19	206.31	258.73	258.95	258.01	253.38	246.24	239.08
Non-Interest Income Growth (YoY)	6.75%	3.65%	4.80%	5.93%	8.22%	11.53%	38.49%	37.10%	34.51%	31.66%	-17.06%	-18.70%	-19.31%	-18.58%	5.07%	8.31%	10.06%	11.18%	8.00%	4.70%
Revenues Before Loan Losses	858.94	835.05	818.01	798.84	780.73	765.28	746.3	726.98	713.41	704.87	651.88	650.85	651.12	643.09	679.36	663.1	644.38	628.71	620.65	611.18
Provision for Loan Losses	20.79	20.3	21.35	22.58	24.72	23.32	22.77	20.64	15.81	13.85	11.2	9.9	12.08	17.37	14.77	14.17	8.16	-2.21	-8.84	-14.1
Revenue	838.16	814.75	796.66	776.26	756.01	741.96	723.53	706.34	697.6	691.02	640.67	640.95	639.04	625.73	664.58	648.94	636.22	630.92	629.49	625.28
Revenue Growth (YoY)	10.87%	9.81%	10.11%	9.90%	8.37%	7.37%	12.93%	10.20%	9.16%	10.44%	-3.60%	-1.23%	0.44%	-0.82%	5.58%	3.78%	2.93%	5.63%	8.12%	8.58%
Salaries and Employee Benefits	302.04	298.87	294.92	292.29	291.69	286.59	283.88	280.53	272.76	267.47	266	259.45	255.61	252.59	243.14	242.42	239.38	232.61	228.8	223.85
Occupancy Expenses	41.27	38.87	36.69	35.39	34.55	33.78	32.45	33.89	33.66	33.4	33.06	33.77	33.77	33.74	33.67	32.95	32.45	32.3	32.65	32.12
Amortization of Goodwill & Intangibles	15.65	14.61	13.85	13.55	13.66	14.17	14.26	14.39	14.59	14.42	14.51	14.74	15	15.15	15.21	15.17	15.04	14.43	14.05	13.83
Selling, General & Administrative	136.79	135.06	133.76	129.15	127.04	124.38	121.34	115.79	116.17	115.14	114.53	111.32	107.72	106.75	104.15	101.1	98.54	95.12	93.34	93.93
Other Non-Interest Expense	37.23	35.81	36.75	35.07	35.11	34.38	34.11	34.85	34.48	34.54	32.78	29.38	27.91	25.8	23.37	21.86	20.75	19.18	18.5	18.07
Total Non-Interest Expense	532.98	523.22	515.95	505.44	502.05	493.29	486.03	479.44	471.67	464.97	460.88	448.66	440.01	434.03	419.55	413.49	406.15	393.63	387.34	381.8
EBT Excluding Unusual Items	305.18	291.53	280.71	270.83	253.96	248.68	237.5	226.9	225.93	226.05	179.8	192.29	199.03	191.69	245.04	235.44	230.07	237.3	242.15	243.49
Legal Settlements	-0.34	-	0.05	0.13	0.03	-0.09	-0.14	-6.02	-5.92	-5.8	-5.8	-	-	-	-	-	0.1	0.1	0.1	0.1
Other Unusual Items	-0.1	-0.2	-0.2	-0.6	-0.44	-0.44	-0.44	-3.54	-3.78	-4.78	-4.54	-0.14	-0.06	0.54	0.3	-0.6	-0.6	-0.2	-0.2	0.42
Pretax Income	300.52	285.74	275.39	268.01	251.88	247.93	236.71	215.96	214.92	214.3	168.23	191.75	198.15	187.46	240.31	229.61	224.64	236.22	241.35	243.48
Income Tax Expense	72.46	67.68	64.94	62.19	57.24	56.71	54.22	49.57	48.3	47.3	36.31	41	42.84	40.63	52.23	50.49	48.88	52.32	51.65	50.86
Net Income	228.06	218.06	210.46	205.83	194.64	191.22	182.48	166.39	166.62	167	131.92	150.75	155.31	146.82	188.08	179.12	175.76	183.9	189.69	192.62
Preferred Dividends & Other Adjustments	-0.95	-0.88	-0.87	-0.59	-0.59	-0.65	-0.74	0.64	0.54	0.54	-0.45	0.47	0.47	0.43	0.53	0.49	0.43	0.43	0.45	0.42
Net Income to Common	229.02	218.93	211.33	206.42	195.22	191.88	183.22	165.75	166.09	166.46	132.37	150.27	154.84	146.39	187.55	178.62	175.33	183.47	189.25	192.19
Net Income Growth (YoY)	17.31%	14.10%	15.34%	24.54%	17.54%	15.27%	38.41%	10.30%	7.26%	13.71%	-29.42%	-15.87%	-11.68%	-20.21%	-0.90%	-7.06%	-7.52%	3.72%	15.28%	19.69%
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	54	54	54	54	54	54	54	54	54	54	54
Shares Change (YoY)	-0.04%	0.01%	-0.12%	-0.40%	-0.91%	-1.42%	-1.57%	-1.54%	-1.35%	-1.08%	-0.89%	-0.75%	-0.63%	-0.55%	-0.35%	-0.02%	0.30%	1.20%	2.02%	2.58%
EPS (Basic)	4.35	4.16	4.01	3.92	3.71	3.65	3.47	3.13	3.12	3.11	2.47	2.80	2.88	2.72	3.48	3.31	3.25	3.40	3.51	3.57
EPS (Diluted)	4.31	4.12	3.97	3.88	3.67	3.61	3.44	3.13	3.12	3.10	2.45	2.79	2.86	2.71	3.46	3.29	3.23	3.37	3.48	3.54
EPS Growth (YoY)	17.43%	14.09%	15.41%	24.03%	17.62%	16.34%	40.41%	12.06%	9.03%	14.50%	-29.19%	-15.14%	-11.39%	-19.56%	-0.57%	-7.03%	-7.66%	2.39%	12.99%	16.43%

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	1.880	1.870	1.860	1.850	1.840	1.830	1.820	1.810	1.800	1.790	1.780	1.770	1.760	1.750	1.740	1.730	1.720	1.710	1.700	1.690
Dividend Growth (YoY)	2.17%	2.19%	2.20%	2.21%	2.22%	2.23%	2.25%	2.26%	2.27%	2.29%	2.30%	2.31%	2.33%	2.34%	2.35%	2.37%	2.38%	2.40%	2.41%	2.42%
Effective Tax Rate	24.11%	23.69%	23.58%	23.20%	22.72%	22.87%	22.91%	22.95%	22.47%	22.07%	21.58%	21.38%	21.62%	21.68%	21.73%	21.99%	21.76%	22.15%	21.40%	20.89%

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 13, 2026

Data Sources Report a data error