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Community Financial System, Inc. (CBU)

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SEC name COMMUNITY FINANCIAL SYSTEM, INC. · CIK 0000723188 · NYSE · National Commercial Banks

  • Sector Finance & Real Estate
  • Incorporated DE
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, Community Financial System, Inc. reported revenue of $823.01M. Revenue grew 9.7% from the prior annual period. Over the twelve months to 2026-06-30, revenue was $860.23M.

Key ratios (year ended 2025-12-31)

25.6%
Net margin
10.5%
Return on year-end equity
9.7%
Revenue growth (YoY)

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Latest selected filing: Form 4 (ownership change) · 2026-09-18

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-06-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue$860.23M$823.01M$750.49M$708.88M$683.94Mn/an/an/an/an/an/a
Net Income$228.06M$210.46M$182.48M$131.92M$188.08M$189.69M$164.68M$169.06M$168.64M$150.72M$103.81M
EPS (Diluted)n/a$3.97$3.44$2.45$3.46$3.48$3.08$3.23$3.24$3.03$2.32
Total Assets$17.76B$17.30B$16.39B$15.56B$15.84B$15.55B$13.93B$11.41B$10.61B$10.75B$8.67B
Total Liabilities$15.69B$15.30B$14.62B$13.86B$14.28B$13.45B$11.83B$9.56B$8.89B$9.11B$7.47B
Shareholders' Equity$2.07B$2.01B$1.76B$1.70B$1.55B$2.10B$2.10B$1.86B$1.71B$1.64B$1.20B
Cash & Equivalents$258.17M$301.75M$197.00M$190.96M$209.90M$1.88B$1.65B$205.03M$211.83M$221.04M$173.86M
Operating Cash Flow$308.27M$301.86M$242.28M$228.42M$214.60M$202.55M$179.48M$202.50M$221.41M$189.67M$135.77M
Capital Expenditures$61.60M$68.53M$20.70M$18.59M$12.92M$13.38M$14.78M$5.69M$12.65M$10.82M$12.44M
Free Cash Flow$246.67M$233.33M$221.57M$209.84M$201.68M$189.17M$164.70M$196.82M$208.76M$178.85M$123.33M
Share Repurchases$27.15M$11.17M$45.84M$30.02M$16.61M$5.11M$271.0K$286.0K$298.0K$3.31M$3.47M
Dividends Paid$98.58M$97.56M$95.78M$95.10M$93.39M$91.05M$87.13M$80.24M$71.50M$62.30M$55.05M
Dividends Per Sharen/a$1.86$1.82$1.78$1.74$1.70$1.66$1.58$1.44$1.32$1.26
Weighted Average Diluted Sharesn/a52.82M52.88M53.73M54.21M54.40M53.32M52.25M51.75M49.47M44.48M
EPS (Basic)n/a$3.98$3.44$2.45$3.48$3.51$3.10$3.26$3.28$3.07$2.34

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