20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Community Bank System Inc (CBU) operates in the BANKS - REGIONAL industry and is headquartered in Syracuse, United States with about 2,853 employees. Its market capitalization is roughly $3 billion. In the fiscal year ended 2025-12-31, CBU reported $1.0B in revenue and $210M in net income.
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers.
Interactive charts & full statements → Open the CBU valuation workbench →
| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.0B | $1.0B | $941M | $756M | $702M | $634M | $617M | $616M | $587M | $532M | $441M | $383M | $375M | $454M | $381M | $360M | $337M | $332M | $324M | $310M | $281M |
| Gross Profit | $838M | $797M | $724M | $641M | $665M | $629M | $582M | $581M | $559M | $507M | $421M | $365M | $356M | $420M | $321M | $294M | $263M | $239M | $215M | $187M | $178M |
| Gross Margin % | 80.1% | 78.8% | 76.9% | 84.8% | 94.6% | 99.3% | 94.3% | 94.3% | 95.1% | 95.3% | 95.6% | 95.4% | 94.9% | 92.5% | 84.2% | 81.6% | 78.1% | 72.0% | 66.4% | 60.5% | 63.1% |
| Operating Income (EBIT) | $301M | $275M | $237M | $168M | $240M | $241M | $206M | $209M | $213M | $160M | $155M | $132M | $130M | $111M | $109M | $104M | $86M | $53M | $57M | $45M | $50M |
| Operating Margin % | 28.7% | 27.2% | 25.2% | 22.2% | 34.2% | 38.1% | 33.4% | 34.0% | 36.3% | 30.1% | 35.1% | 34.5% | 34.6% | 24.5% | 28.6% | 28.7% | 25.6% | 16.0% | 17.5% | 14.6% | 17.9% |
| Net Income | $228M | $210M | $182M | $132M | $188M | $190M | $165M | $169M | $169M | $151M | $104M | $91M | $91M | $79M | $77M | $73M | $63M | $41M | $46M | $43M | $38M |
| Net Margin % | 21.8% | 20.8% | 19.4% | 17.4% | 26.8% | 29.9% | 26.7% | 27.4% | 28.7% | 28.3% | 23.5% | 23.8% | 24.3% | 17.4% | 20.2% | 20.3% | 18.8% | 12.5% | 14.2% | 13.9% | 13.7% |
| EBITDA | $337M | $306M | $265M | $197M | $271M | $272M | $237M | $242M | $247M | $193M | $175M | $149M | $148M | $128M | $126M | $120M | $103M | $72M | $73M | $54M | $66M |
| Earnings Per Share (EPS) | $4.31 | $3.98 | $3.45 | $2.46 | $3.47 | $3.49 | $3.09 | $3.24 | $3.26 | $3.03 | $2.32 | $2.19 | $2.22 | $1.94 | $1.93 | $2.01 | $1.90 | $1.26 | $1.49 | $1.42 | $1.26 |
| Shares Outstanding (M) | 53M | 53M | 53M | 54M | 54M | 54M | 53M | 52M | 52M | 50M | 45M | 42M | 41M | 41M | 40M | 36M | 33M | 33M | 31M | 30M | 30M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $268M | $259M | $264M | $256M | $247M | $244M | $246M | $240M |
| Gross Profit | $219M | $208M | $211M | $201M | $195M | $190M | $190M | $181M |
| Gross Margin % | 81.4% | 80.3% | 79.9% | 78.6% | 78.9% | 77.8% | 77.2% | 75.5% |
| Operating Income (EBIT) | $81M | $75M | $72M | $73M | $66M | $64M | $65M | $57M |
| Operating Margin % | 30.1% | 28.9% | 27.3% | 28.6% | 26.7% | 26.4% | 26.2% | 23.8% |
| Net Income | $61M | $57M | $54M | $55M | $51M | $50M | $50M | $44M |
| Net Margin % | 22.9% | 22.1% | 20.6% | 21.5% | 20.8% | 20.4% | 20.2% | 18.3% |
| EBITDA | $92M | $84M | $80M | $80M | $73M | $72M | $72M | $64M |
| Earnings Per Share (EPS) | $1.16 | $1.08 | $1.03 | $1.04 | $0.97 | $0.94 | $0.94 | $0.83 |
| Shares Outstanding (M) | 53M | 53M | 53M | 53M | 53M | 53M | 53M | 53M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $308M | $302M | $242M | $228M | $215M | $203M | $179M | $203M | $221M | $190M | $136M | $120M | $122M | $103M | $108M | $94M | $97M | $44M | $57M | $51M | $73M |
| Capital Expenditures (CapEx) | $77M | $69M | $21M | $19M | $13M | $13M | $14M | $6M | $13M | $11M | $12M | $12M | $13M | $14M | $11M | $10M | $16M | $14M | $11M | $10M | $6M |
| Free Cash Flow (FCF) | $231M | $233M | $222M | $210M | $202M | $189M | $165M | $197M | $209M | $179M | $123M | $107M | $109M | $89M | $98M | $85M | $81M | $30M | $46M | $41M | $67M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $99M | $98M | $96M | $95M | $93M | $91M | $87M | $80M | $71M | $62M | $55M | $49M | $46M | $43M | $41M | $34M | $30M | $29M | $25M | $24M | $23M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $51M | $72M | $85M | $101M | $54M | $63M | $66M | $57M |
| Capital Expenditures (CapEx) | $10M | $11M | $38M | $18M | $17M | $11M | $7M | $5M |
| Free Cash Flow (FCF) | $41M | $60M | $46M | $83M | $36M | $52M | $59M | $52M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $25M | $25M | $25M | $24M | $24M | $24M | $24M | $24M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $17.8B | $17.4B | $16.4B | $15.6B | $15.8B | $15.6B | $13.9B | $11.4B | $10.6B | $10.7B | $8.7B | $8.6B | $7.5B | $7.1B | $7.5B | $6.5B | $5.4B | $5.4B | $5.2B | $4.7B | $4.5B |
| Cash & Cash Equivalents | $258M | $302M | $192M | $191M | $210M | $1.9B | $1.6B | $205M | $212M | $221M | $174M | $153M | $138M | $150M | $229M | $325M | $212M | $362M | $214M | $131M | $232M |
| Total Liabilities | $15.7B | $15.4B | $14.6B | $13.9B | $14.3B | $13.5B | $11.8B | $9.6B | $8.9B | $9.1B | $7.5B | $7.4B | $6.5B | $6.2B | $6.6B | $5.7B | $4.8B | $4.8B | $4.6B | $4.2B | $4.0B |
| Total Debt (Short + Long-Term) | $764M | $701M | $999M | $765M | $2.3B | $663M | $365M | $341M | $414M | $486M | $248M | $403M | $440M | $244M | $830M | $830M | $830M | $831M | $448M | $443M | $619M |
| Total Shareholders' Equity | $2.1B | $2.0B | $1.8B | $1.7B | $1.6B | $2.1B | $2.1B | $1.9B | $1.7B | $1.6B | $1.2B | $1.1B | $988M | $876M | $903M | $775M | $607M | $566M | $545M | $479M | $462M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive CBU viewer.
About TickerBase · Data methodology & sources · Privacy · Terms