Community Financial System, Inc.
CBU NYSE· National Commercial Banks
Last close · Oct 27, 2026
$62.37
KIRA · Stoqly’s AI analyst, in plain words
- Community Financial System, Inc. had $818M of revenue in fiscal 2025, up 9.6% on the year before. Over five years, revenue changed +6.5% a year on average.
- Community Financial System, Inc. made $210M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 6.2% a year.
- Community Financial System, Inc. returned $109M to shareholders in fiscal 2025, 47% of free cash flow. The diluted share count fell 0.1%.
- It earned 11.2% on shareholders’ money. Running costs took 63.7% of revenue (the efficiency ratio; lower is better).
Market cap
$3.3B
P/E
14.5x
Revenue
$818M
Net income
$210M
Return on equity
11.2%
Efficiency ratio
63.7%
Community Financial System, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+9.6%
Yes. Sales grew 9.6% last year.
Does it make a profit?
25.7%
Yes. It keeps 25.7% of every sale as profit.
How lean are its costs?
63.7%
Average. Running costs take 63.7% of revenue.
How much does it earn on its capital?
11.2%
Fair. It earns 11.2% a year on shareholders’ money.
How is the share priced?
14.5x
One share costs 14.5 times its yearly profit per share.
What Community Financial System, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- COMMUNITY FINANCIAL SYSTEM, INC.
- CIK
- 0000723188
Community Financial System, Inc. · CBU
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $621M | $679M | $652M | $746M | $818M |
| Revenue growth | 4.0% | 9.5% | −4.0% | 14.4% | 9.6% |
| Net interest income | $374M | $421M | $437M | $449M | $507M |
| Net income | $190M | $188M | $132M | $182M | $210M |
| Net margin | 30.6% | 27.7% | 20.2% | 24.5% | 25.7% |
| Diluted EPS | $3.48 | $3.46 | $2.45 | $3.44 | $3.97 |
| Cash | |||||
| Cash from operations | $203M | $215M | $228M | $242M | $302M |
| Capital expenditure | $13.4M | $12.9M | $18.6M | $20.7M | $68.5M |
| Free cash flow | $189M | $202M | $210M | $222M | $233M |
| FCF margin | 30.5% | 29.7% | 32.2% | 29.7% | 28.5% |
| Dividends paid | $91.1M | $93.4M | $95.1M | $95.8M | $97.6M |
| Share buybacks | $5.1M | $16.6M | $30.0M | $45.8M | $11.2M |
| Share count change | 2.0% | −0.4% | −0.9% | −1.6% | −0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $1.9B | $210M | $191M | $197M | $302M |
| Debt incl. finance leases | — | — | — | $999M | — |
| Loans, net | $7.3B | $8.7B | $9.6B | $10.4B | $10.9B |
| Deposits | $12.9B | $13.0B | $12.9B | $13.4B | $14.4B |
| Shareholders' equity | $2.1B | $1.6B | $1.7B | $1.8B | $2.0B |
| Returns and quality | |||||
| Return on equity | 9.0% | 10.3% | 8.1% | 10.5% | 11.2% |
| Return on tangible equity | 15.3% | 28.9% | 16.4% | 21.1% | 19.7% |
| Efficiency ratio | 62.5% | 62.5% | 72.5% | 65.2% | 63.7% |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$1.8M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Community Financial System, Inc. · CBU
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $62.37 a share, the company is worth $3.3B: 14.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000723188). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.