NYSE · Financial Statements

Community Financial System, Inc. (CBU) Financial Statements

$62.42 NYSE: CBU Market Cap $3.28B

Community Financial System, Inc. most recently reported annual revenue of $1.0B, net profit of $210.0M. Revenue grew at an average annual rate of 10.4% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Community Financial System, Inc.: Revenue rose from $441.0M in 2016 to $1.0B in 2025, a change of +129.3% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 35.1% to 27.2%, a shift of -7.8 percentage points; the most recent year shows net profit of $210.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$441.0M$532.0M$587.0M$616.0M$617.0M$634.0M$702.0M$756.0M$941.0M$1.0B
Operating Expenses$286.0M$372.0M$374.0M$407.0M$411.0M$392.0M$462.0M$588.0M$704.0M$736.0M
Operating Profit$155.0M$160.0M$213.0M$209.0M$206.0M$241.0M$240.0M$168.0M$237.0M$275.0M
Operating Margin35.1%30.1%36.3%34.0%33.4%38.1%34.2%22.3%25.2%27.2%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$11.0M$14.0M$18.0M$27.0M$21.0M$13.0M$23.0M$104.0M$194.0M$193.0M
Depreciation$20.0M$33.0M$34.0M$32.0M$31.0M$30.0M$30.0M$28.0M$29.0M$30.0M
Profit Before Tax$155.0M$160.0M$213.0M$209.0M$206.0M$241.0M$240.0M$168.0M$237.0M$275.0M
Tax$32.9M$5.8M$20.8M$19.2M$20.1M$21.4M$21.7M$21.6M$22.9M$23.6M
Net Profit$104.0M$151.0M$169.0M$169.0M$165.0M$190.0M$188.0M$132.0M$182.0M$210.0M
EPS$2.32$3.03$3.26$3.23$3.08$3.48$3.46$2.45$3.44$3.97
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$205.0M$214.0M$223.0M$231.0M$240.0M$246.0M$244.0M$247.0M$256.0M$264.0M$259.0M$268.0M
Operating Expenses$149.0M$170.0M$170.0M$169.0M$183.0M$182.0M$179.0M$181.0M$183.0M$192.0M$184.0M$188.0M
Operating Profit$56.0M$44.0M$53.0M$62.0M$57.0M$65.0M$64.0M$66.0M$73.0M$72.0M$75.0M$81.0M
Operating Margin27.3%20.5%23.8%26.8%23.8%26.2%26.4%26.7%28.6%27.3%28.9%30.1%
Interest$30.0M$37.0M$46.0M$48.0M$51.0M$50.0M$47.0M$48.0M$49.0M$48.0M$45.0M$45.0M
Profit Before Tax$56.0M$44.0M$53.0M$62.0M$57.0M$65.0M$64.0M$66.0M$73.0M$72.0M$75.0M$81.0M
Tax$21.2M$23.0M$22.9M$22.8M$23.0M$22.9M$22.8M$22.3M$24.7M$24.3M$23.3M$24.1M
Net Profit$44.0M$34.0M$41.0M$48.0M$44.0M$50.0M$50.0M$51.0M$55.0M$54.0M$57.0M$61.0M
EPS$0.82$0.63$0.76$0.91$0.83$0.93$0.94$0.97$1.04$1.03$1.08$1.16

Over the 10 years reported for Community Financial System, Inc., borrowings increased from $248.0M in 2016 to $747.0M in 2025, cash stood at $302.0M in the latest year, shareholders' equity was $55.0M, current assets covered current liabilities 1.48 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$8.7B$10.7B$10.6B$11.4B$13.9B$15.6B$15.8B$15.6B$16.4B$17.4B
Current Assets$3.0B$3.3B$3.2B$3.3B$5.2B$6.8B$4.4B$3.2B$563.0M$359.0M
Cash$174.0M$221.0M$212.0M$205.0M$1.6B$1.9B$210.0M$191.0M$192.0M$302.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$31.0M$36.0M$31.0M$32.0M$39.0M$36.0M$53.0M$55.0M$54.0M$58.0M
Fixed Assets$112.0M$123.0M$120.0M$165.0M$166.0M$161.0M$161.0M$173.0M$184.0M$247.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$7.7B$9.3B$9.2B$9.9B$10.9B$12.3B$14.0B$13.7B$14.5B$15.3B
Other Assets$465.0M$734.0M$734.0M$774.0M$794.0M$799.0M$842.0M$845.0M$853.0M$888.0M
Total Liabilities$7.5B$9.1B$8.9B$9.6B$11.8B$13.5B$14.3B$13.9B$14.6B$15.4B
Current Liabilities$7.4B$9.0B$8.8B$9.5B$11.7B$13.4B$14.3B$13.3B$13.8B$242.0M
Borrowings$248.0M$486.0M$414.0M$345.0M$371.0M$330.0M$1.1B$765.0M$999.0M$747.0M
Other Liabilities$7.2B$8.6B$8.5B$9.2B$11.5B$13.1B$13.1B$13.1B$13.6B$14.7B
Equity$45.0M$51.0M$52.0M$52.0M$54.0M$54.0M$54.0M$54.0M$55.0M$55.0M
Reserves$1.2B$1.6B$1.7B$1.9B$2.1B$2.1B$1.6B$1.7B$1.8B$2.0B

For Community Financial System, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $233.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$136.0M$190.0M$221.0M$203.0M$179.0M$203.0M$215.0M$228.0M$242.0M$302.0M
Investing Cash Flow$-134.0M$121.0M$5.0M$-163.0M$-414.0M$-1.5B$-2.2B$317.0M$-856.0M$-251.0M
Financing Cash Flow$198.0M$-81.0M$-123.0M$101.0M$1.8B$1.7B$-417.0M$-159.0M$420.0M$356.0M
Net Cash Flow$21.0M$47.0M$-9.0M$-7.0M$1.4B$229.0M$-1.7B$-19.0M$6.0M$105.0M
Free Cash Flow$123.0M$179.0M$209.0M$197.0M$165.0M$189.0M$202.0M$210.0M$222.0M$233.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.84
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y24.10%
Return 3Y49.35%
Return 5Y9.51%

Community Financial System, Inc. (CBU) financials — frequently asked questions

What is Community Financial System, Inc.'s annual revenue?

Community Financial System, Inc. (CBU) reported annual revenue of $1.0B in its most recent fiscal year.

What is Community Financial System, Inc.'s net profit?

Community Financial System, Inc. (CBU) reported net profit of $210.0M in its most recent fiscal year.

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