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Community Financial System, Inc.

CBU NYSE National Commercial Banks Financials FY2016–FY2025

Revenue Total sales reported in the income statement.
$818M
9.6% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
63.7%
1.5 pts
Net income Profit after all expenses, interest and tax.
$210M
15.3%
Return on equity Net income as a share of average shareholders' equity.
11.2%
0.6 pts
Market cap Last close times the latest diluted share count, so it is approximate.
—
P/E Last close divided by diluted earnings per share over the last four quarters.
—
On $4.31 EPS (TTM)

What Community Financial System, Inc. does

No business description yet.

Legal name
COMMUNITY FINANCIAL SYSTEM, INC.
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Feb 27, 2026
Accession · CIK
0001104659-26-021651
0000723188

Revenue and margins

Community Financial System, Inc. had $818M of revenue in fiscal 2025, up 9.6% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 6.2% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Community Financial System, Inc. returned $109M to shareholders in fiscal 2025, 47% of free cash flow. The diluted share count fell 0.1%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $7.3B$8.7B$9.6B$10.4B$10.9B
Deposits $12.9B$13.0B$12.9B$13.4B$14.4B
Loans / deposits 56.7%67.2%74.6%77.0%75.5%
Total assets $15.6B$15.8B$15.6B$16.4B$17.3B
Shareholders' equity $2.1B$1.6B$1.7B$1.8B$2.0B
Goodwill $799M$842M$845M$853M$888M
Intangible assets $65.2M$61.0M$52.6M$48.2M$54.7M
Provision / loans −0.1%0.2%0.1%0.2%0.2%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $430M $518M $569M $590M $597M $621M $679M $652M $746M $818M
Net interest income $274M $316M $345M $359M $368M $374M $421M $437M $449M $507M
Noninterest income $156M $202M $224M $231M $228M $246M $259M $215M $297M $311M
Noninterest expense $267M $347M $345M $372M $377M $388M $424M $473M $487M $521M
Provision for credit losses $8.1M $11.0M $10.8M $8.4M $14.2M −$8.8M $14.8M $11.2M $22.8M $21.4M
Interest expense $11.3M $13.8M $17.7M $26.6M $20.9M $13.0M $23.1M $104M $194M $193M
Pretax income $155M $160M $213M $209M $206M $241M $240M $168M $237M $275M
Income tax $50.8M $9.2M $44.3M $40.3M $41.4M $51.7M $52.2M $36.3M $54.2M $64.9M
Net income $104M $151M $169M $169M $165M $190M $188M $132M $182M $210M
Net income to common $103M $150M $168M $169M $164M $189M $188M $131M $182M $210M
Diluted EPS $2.32 $3.03 $3.24 $3.23 $3.08 $3.48 $3.46 $2.45 $3.44 $3.97
Diluted shares 0.04B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B
Cash flow
Cash from operations $136M $190M $221M $203M $179M $203M $215M $228M $242M $302M
Capital expenditure $12.4M $10.8M $12.6M $5.7M $14.8M $13.4M $12.9M $18.6M $20.7M $68.5M
Free cash flow $123M $179M $209M $197M $165M $189M $202M $210M $222M $233M
Depreciation and amortization $14.4M $16.0M $15.7M $15.9M $16.0M $15.6M $14.4M $13.0M $13.7M $15.6M
Stock-based compensation $4.8M $5.1M $6.1M $5.3M $6.4M $6.3M $7.7M $9.3M $8.4M $10.9M
Acquisitions $0.6M $107M $1.7M $4.7M −$34.4M $29.3M $0.7M $8.5M $15.6M −$470M
Share buybacks $3.5M $3.3M $0.3M $0.3M $0.3M $5.1M $16.6M $30.0M $45.8M $11.2M
Dividends paid $55.0M $62.3M $71.5M $80.2M $87.1M $91.1M $93.4M $95.1M $95.8M $97.6M
Dividends and buybacks $58.5M $65.6M $71.8M $80.5M $87.4M $96.2M $110M $125M $142M $109M
Balance sheet
Cash and short-term investments $174M $221M $212M $205M $1.6B $1.9B $210M $191M $197M $302M
Total debt $146M $24.0M $54.4M — — — — — $990M —
Finance lease liabilities — — — — — — — $0.0M $8.7M $8.3M
Loans, net $4.9B $6.2B $6.2B $6.8B $7.4B $7.3B $8.7B $9.6B $10.4B $10.9B
Deposits $7.1B $8.4B $8.3B $9.0B $11.2B $12.9B $13.0B $12.9B $13.4B $14.4B
Property and equipment, net $112M $123M $120M $165M $166M $161M $161M $173M $184M $247M
Goodwill $465M $734M $734M $774M $794M $799M $842M $845M $853M $888M
Intangible assets $15.7M $90.7M $73.8M $63.1M $52.9M $65.2M $61.0M $52.6M $48.2M $54.7M
Total assets $8.7B $10.7B $10.6B $11.4B $13.9B $15.6B $15.8B $15.6B $16.4B $17.3B
Total liabilities $7.5B $9.1B $8.9B $9.6B $11.8B $13.5B $14.3B $13.9B $14.6B $15.3B
Shareholders' equity $1.2B $1.6B $1.7B $1.9B $2.1B $2.1B $1.6B $1.7B $1.8B $2.0B
Margins
Net margin 24.2% 29.1% 29.6% 28.7% 27.6% 30.6% 27.7% 20.2% 24.5% 25.7%
FCF margin 28.7% 34.5% 36.7% 33.4% 27.6% 30.5% 29.7% 32.2% 29.7% 28.5%
Net interest share of revenue 63.8% 60.9% 60.6% 60.9% 61.7% 60.3% 61.9% 67.1% 60.2% 61.9%
Efficiency ratio 62.1% 67.0% 60.7% 63.1% 63.1% 62.5% 62.5% 72.5% 65.2% 63.7%
Returns
Return on equity 8.7% 10.6% 10.1% 9.5% 8.3% 9.0% 10.3% 8.1% 10.5% 11.2%
Return on assets 1.2% 1.6% 1.6% 1.5% 1.3% 1.3% 1.2% 0.8% 1.1% 1.2%
Return on tangible equity 14.4% 18.5% 18.5% 16.6% 13.1% 15.3% 28.9% 16.4% 21.1% 19.7%
Growth
Revenue growth — 20.6% 9.8% 3.6% 1.2% 4.0% 9.5% −4.0% 14.4% 9.6%
Net income growth — 45.2% 11.9% 0.3% −2.6% 15.2% −0.9% −29.9% 38.3% 15.3%
EPS growth — 30.6% 6.9% −0.3% −4.6% 13.0% −0.6% −29.2% 40.4% 15.4%
FCF growth — 45.0% 16.7% −5.7% −16.3% 14.9% 6.6% 4.0% 5.6% 5.3%
Share count change — 11.2% 4.6% 1.0% 2.1% 2.0% −0.4% −0.9% −1.6% −0.1%
Financial health
Debt / equity 0.1x 0.0x 0.0x — — — — — 0.6x —
Loans / deposits 69.3% 73.5% 74.9% 76.0% 65.5% 56.7% 67.2% 74.6% 77.0% 75.5%
Provision / loans 0.2% 0.2% 0.2% 0.1% 0.2% −0.1% 0.2% 0.1% 0.2% 0.2%
Capital allocation
Capex / revenue 2.9% 2.1% 2.2% 1.0% 2.5% 2.2% 1.9% 2.8% 2.8% 8.4%
Stock comp / revenue 1.1% 1.0% 1.1% 0.9% 1.1% 1.0% 1.1% 1.4% 1.1% 1.3%
Payouts / FCF 47.4% 36.7% 34.4% 40.9% 53.1% 50.8% 54.5% 59.6% 63.9% 46.6%
Quality scores
Piotroski F-score — 5.0 5.0 — — — — — — —
Accruals ratio −0.4% −0.4% −0.5% −0.3% −0.1% −0.1% −0.2% −0.6% −0.4% −0.5%

Source: SEC EDGAR XBRL filings (CIK 0000723188). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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