Community Financial System, Inc. (CBU) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Community Financial System reported revenue of $818.0M, up 9.6% from $746.3M the year before. Net income was $210.5M (a 25.7% net margin), or $3.97 per diluted share. Net interest income was $506.6M, and the efficiency ratio (noninterest expense / revenue) was 63.7%. Operating activities generated $301.9M of cash, leaving $233.3M of free cash flow. At fiscal year end, Community Financial System held $17.30B in total assets against $15.30B in total liabilities, including $301.8M of cash and equivalents.
Open the full interactive Community Financial System financials → Quarterly statements, key ratios, valuation history and price charts.
Community Financial System Key Stats
| Share Price | $58.77 |
|---|---|
| Market Cap | $3.10B |
| P/E Ratio | 14.8 |
| Revenue YoY Growth | +9.6% |
| 52-Week Range | $52.04 – $70.44 |
| Shares Outstanding | 52.6 million (basic, 2026 Q2) |
Community Financial System Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $368.4M | $374.4M | $420.6M | $437.3M | $449.1M | $506.6M |
| Provision for Credit Losses | $14.2M | -$8.8M | $14.8M | $11.2M | $22.8M | $21.4M |
| Noninterest Income | $228.4M | $246.2M | $258.7M | $214.8M | $297.2M | $311.5M |
| Noninterest Expense | $376.5M | $388.1M | $424.3M | $472.7M | $486.8M | $521.3M |
| Revenue | $596.8M | $620.6M | $679.4M | $652.1M | $746.3M | $818.0M |
| Pre-Tax Income | $206.1M | $241.3M | $240.3M | $168.2M | $236.7M | $275.4M |
| Income Tax | $41.4M | $51.7M | $52.2M | $36.3M | $54.2M | $64.9M |
| Net Income | $164.7M | $189.7M | $188.1M | $131.9M | $182.5M | $210.5M |
| Diluted EPS | $3.08 | $3.48 | $3.46 | $2.45 | $3.44 | $3.97 |
Community Financial System Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $207.1M | $215.5M | $213.3M | $223.2M |
| Net Income | $55.1M | $54.4M | $57.2M | $61.3M |
| Diluted EPS | $1.04 | $1.03 | $1.08 | $1.16 |
Community Financial System Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $1.65B | $1.88B | $209.9M | $191.0M | $197.0M | $301.8M |
| Loans (Net) | $7.36B | $7.32B | — | $9.64B | $10.35B | $10.86B |
| Total Assets | $13.93B | $15.55B | $15.84B | $15.56B | $16.39B | $17.30B |
| Deposits | $11.22B | $12.91B | $13.01B | $12.93B | $13.44B | $14.39B |
| Total Long-Term Debt | $371.3M | $329.9M | $1.14B | $765.2M | $990.2M | $689.9M |
| Total Liabilities | $11.83B | $13.45B | $14.28B | $13.86B | $14.62B | $15.30B |
| Shareholders' Equity | $2.10B | $2.10B | $1.55B | $1.70B | $1.76B | $2.01B |
Community Financial System Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $179.5M | $202.5M | $214.6M | $228.4M | $242.3M | $301.9M |
| Cash From Investing | -$398.7M | -$1.53B | -$2.14B | $335.8M | -$835.6M | -$182.1M |
| Cash From Financing | $1.66B | $1.56B | $259.2M | -$583.1M | $599.4M | -$15.0M |
| Free Cash Flow | $165.1M | $189.4M | $201.7M | $209.8M | $221.6M | $233.3M |
Figures from Community Financial System's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Community Financial System financials page for every line item.
Community Financial System Company Profile
| Ticker | CBU |
|---|---|
| Exchange | NYSE |
| Industry | National Commercial Banks |
| Headquarters | Syracuse, New York |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000723188 |
Frequently Asked Questions
What was Community Financial System's revenue in fiscal 2025?
Community Financial System (CBU) reported revenue of $818.0M for fiscal 2025.
What is Community Financial System's annual revenue history?
Community Financial System's annual revenue by fiscal year: 2020: $596.8M; 2021: $620.6M; 2022: $679.4M; 2023: $652.1M; 2024: $746.3M; 2025: $818.0M.
What was Community Financial System's net income in fiscal 2025?
Community Financial System reported net income of $210.5M for fiscal 2025.
What was Community Financial System's earnings per share (EPS) in fiscal 2025?
Community Financial System's diluted EPS was $3.97 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Community Financial System generate in fiscal 2025?
Community Financial System generated $233.3M of free cash flow in fiscal 2025.
What was Community Financial System's revenue last quarter?
In its most recent reported quarter (2026 Q2), Community Financial System reported revenue of $223.2M.
How much debt does Community Financial System have?
Community Financial System reported $689.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Community Financial System are outstanding?
Community Financial System reported a weighted average of 52.6 million basic shares outstanding in 2026 Q2.
What is Community Financial System's market cap?
Based on its latest closing price, Community Financial System (CBU) has a market capitalization of about $3.10B.
When does Community Financial System's fiscal year end?
Community Financial System's fiscal year end, as registered with the SEC, is December 31.
Where is Community Financial System headquartered?
Community Financial System lists its business address in Syracuse, New York in its SEC filings.