Community Financial System Inc. (CBU) reported $887.07M of revenue for the twelve months ended Sep 30, 2026. That is up 10.4% from the year before. Revenue for fiscal 2025 was $823.01M.

Yes. Community Financial System Inc. earned $234.28M in net income for the twelve months ended Sep 30, 2026, a net margin of 26.4%.

How much cash and debt does CBU have?

Community Financial System Inc. reported $424.64M in cash and cash equivalents on its most recent balance sheet in SEC filings.

How fast is CBU revenue growing?

Community Financial System Inc.'s revenue changed +9.7% in fiscal 2025, to $823.01M. Its compound annual growth rate was +6.6% over 5 years and +8.3% over 10 years.

What is CBU free cash flow?

Community Financial System Inc. generated $269.62M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $317.44M less capital expenditures.

What is CBU earnings per share?

Diluted earnings per share were $4.43 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.

When did CBU last report financial results?

The latest statements here come from Community Financial System Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.

Financials · CBU

Community Financial System Inc. (CBU) financials

For the twelve months ended Sep 30, 2026, Community Financial System Inc. reported $887.07M of revenue and $234.28M of net income.

Revenue, TTM: $887.07M
Revenue growth, YoY: +10.4%
Net income, TTM: $234.28M
Net income growth, YoY: +13.8%
Net margin: 26.4%
Free cash flow, TTM: $269.62M
EPS, diluted, TTM: $4.43
EPS growth, YoY: +14.2%
Cash: $424.64M
P/E: 14.54
P/S: 3.84
Market cap: $3.41B

Annual revenue$823.01M

FY2016FY2025

Annual net income$210.46M

FY2016FY2025

Annual free cash flow$233.33M

FY2016FY2025

CBU revenue and earnings growth

CBU revenueQ3 2026$231.64M

Quarter YoY: +11.3%
QoQ: +3.8%
FY YoY: +9.7%
5Y CAGR: +6.6%
10Y CAGR: +8.3%

CBU revenue was $231.64M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.3% from a year earlier and up 3.8% from the prior quarter. For the full fiscal 2025 it was $823.01M, up 9.7% from fiscal 2024. Compound annual growth was +6.6% over 5 years and +8.3% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CBU net incomeQ3 2026$61.30M

Quarter YoY: +11.3%
QoQ: -0.0%
FY YoY: +15.3%
5Y CAGR: +5.0%
10Y CAGR: +8.7%

CBU net income was $61.30M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.3% from a year earlier and down 0.0% from the prior quarter. For the full fiscal 2025 it was $210.46M, up 15.3% from fiscal 2024. Compound annual growth was +5.0% over 5 years and +8.7% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CBU EPSQ3 2026$1.16

Quarter YoY: +11.5%
QoQ: +0.0%
FY YoY: +15.4%
5Y CAGR: +5.2%
10Y CAGR: +6.1%

CBU diluted EPS was $1.16 in fiscal Q3 2026 (ended Sep 30, 2026), up 11.5% from a year earlier and up 0.0% from the prior quarter. For the full fiscal 2025 it was $3.97, up 15.4% from fiscal 2024. Compound annual growth was +5.2% over 5 years and +6.1% over 10 years.

CBU free cash flowQ3 2026$106.38M

Quarter YoY: +27.5%
QoQ: +157.1%
FY YoY: +5.3%
5Y CAGR: +7.2%
10Y CAGR: +8.1%

CBU free cash flow was $106.38M in fiscal Q3 2026 (ended Sep 30, 2026), up 27.5% from a year earlier and up 157.1% from the prior quarter. For the full fiscal 2025 it was $233.33M, up 5.3% from fiscal 2024. Compound annual growth was +7.2% over 5 years and +8.1% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$823.01M	$750.49M	$708.88M	$683.94M	$620.65M	$596.82M	$589.79M	$569.11M	$518.10M	$429.52M
Interest expense	$192.72M	$194.41M	$104.10M	$23.10M	$13.01M	$20.88M	$26.55M	$17.68M	$13.78M	$11.29M
Pre-tax income	$275.39M	$236.71M	$168.23M	$240.31M	$241.35M	$206.08M	$209.34M	$212.99M	$159.97M	$154.60M
Income tax	$64.94M	$54.22M	$36.31M	$52.23M	$51.65M	$41.40M	$40.27M	$44.35M	$9.25M	$50.78M
Net income	$210.46M	$182.48M	$131.92M	$188.08M	$189.69M	$164.68M	$169.06M	$168.64M	$150.72M	$103.81M
EPS, basic	$3.98	$3.44	$2.45	$3.48	$3.51	$3.10	$3.26	$3.28	$3.07	$2.34
EPS, diluted	$3.97	$3.44	$2.45	$3.46	$3.48	$3.08	$3.23	$3.24	$3.03	$2.32
Diluted shares	52.8M	52.9M	53.7M	54.2M	54.4M	53.3M	52.2M	51.7M	49.5M	44.5M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$301.75M	$197.00M	$190.96M	$209.90M	$1.88B	$1.65B	$205.03M	$211.83M	$221.04M	$173.86M
Goodwill	$887.98M	$853.23M	$845.40M	$841.84M	$799.11M	$793.71M	$773.81M	$733.50M	$734.43M	$465.14M
Total assets	$17.30B	$16.39B	$15.56B	$15.84B	$15.55B	$13.93B	$11.41B	$10.61B	$10.75B	$8.67B
Short-term debt	-	-	-	-	-	-	-	$54.40M	$24.00M	$146.20M
Long-term debt	-	$990.20M	-	-	-	-	-	-	-	-
Total debt	$689.93M	$990.20M	$765.20M	$1.14B	$329.88M	$371.29M	$344.87M	$413.68M	$485.90M	$248.37M
Total liabilities	$15.30B	$14.62B	$13.86B	$14.28B	$13.45B	$11.83B	$9.56B	$8.89B	$9.11B	$7.47B
Shareholders' equity	$2.01B	$1.76B	$1.70B	$1.55B	$2.10B	$2.10B	$1.86B	$1.71B	$1.64B	$1.20B

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$301.86M	$242.28M	$228.42M	$214.60M	$202.55M	$179.48M	$202.50M	$221.41M	$189.67M	$135.77M
Capital expenditures	$68.53M	$20.70M	$18.59M	$12.92M	$13.38M	$14.78M	$5.69M	$12.65M	$10.82M	$12.44M
Free cash flow	$233.33M	$221.57M	$209.84M	$201.68M	$189.17M	$164.70M	$196.82M	$208.76M	$178.85M	$123.33M
Investing cash flow	-$182.10M	-$835.62M	$335.78M	-$2.14B	-$1.53B	-$398.72M	-$157.05M	$17.50M	$131.37M	-$122.00M
Financing cash flow	-$15.01M	$599.38M	-$583.13M	$259.22M	$1.56B	$1.66B	-$52.25M	-$248.11M	-$273.86M	$6.87M
Dividends paid	$97.56M	$95.78M	$95.10M	$93.39M	$91.05M	$87.13M	$80.24M	$71.50M	$62.30M	$55.05M
Share repurchases	$11.17M	$45.84M	$30.02M	$16.61M	$5.11M	$271.0K	$286.0K	$298.0K	$3.31M	$3.47M
Stock-based compensation	$10.86M	$8.37M	$9.27M	$7.74M	$6.33M	$6.42M	$5.29M	$6.06M	$5.14M	$4.78M

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	9.7%	5.9%	3.6%	10.2%	4.0%	1.2%	3.6%	9.8%	20.6%	15.5%
Net income growth, YoY	15.3%	38.3%	-29.9%	-0.9%	15.2%	-2.6%	0.3%	11.9%	45.2%	13.8%
EPS growth, YoY	15.4%	40.4%	-29.2%	-0.6%	13.0%	-4.6%	-0.3%	6.9%	30.6%	5.9%
Net margin	25.6%	24.3%	18.6%	27.5%	30.6%	27.6%	28.7%	29.6%	29.1%	24.2%
Free cash flow margin	28.4%	29.5%	29.6%	29.5%	30.5%	27.6%	33.4%	36.7%	34.5%	28.7%
Return on equity	10.5%	10.4%	7.8%	12.1%	9.0%	7.8%	9.1%	9.8%	9.2%	8.7%
Return on assets	1.2%	1.1%	0.8%	1.2%	1.2%	1.2%	1.5%	1.6%	1.4%	1.2%
Debt to equity	0.34	0.56	0.45	0.73	0.16	0.18	0.19	0.24	0.30	0.21

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue	$231.64M	$223.16M	$215.24M	$217.03M	$208.14M	$200.50M	$197.34M	$197.40M	$190.27M	$184.31M	$178.51M	$233.72M
Interest expense	$44.70M	$45.21M	$45.27M	$48.04M	$49.12M	$48.13M	$47.44M	$49.96M	$51.16M	$47.63M	$45.67M	$37.14M
Pre-tax income	$80.70M	$80.81M	$74.61M	$71.92M	$73.17M	$66.04M	$64.27M	$64.54M	$57.03M	$62.09M	$53.04M	$43.80M
Income tax	$19.40M	$19.48M	$17.40M	$17.50M	$18.08M	$14.71M	$14.65M	$14.75M	$13.13M	$14.18M	$12.17M	$10.09M
Net income	$61.30M	$61.33M	$57.22M	$54.42M	$55.09M	$51.33M	$49.61M	$49.79M	$43.90M	$47.91M	$40.87M	$33.71M
EPS, basic	$1.16	$1.16	$1.08	$1.03	$1.04	$0.97	$0.94	$0.93	$0.83	$0.91	$0.77	$0.62
EPS, diluted	$1.16	$1.16	$1.08	$1.03	$1.04	$0.97	$0.93	$0.94	$0.83	$0.91	$0.76	$0.63
Diluted shares	52.8M	52.8M	52.8M	-	52.8M	52.9M	52.9M	-	52.7M	52.7M	53.3M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Cash and equivalents	$424.64M	$258.17M	$572.17M	$301.75M	$245.25M	$237.25M	$518.02M	$197.00M	$346.11M	$201.49M	$338.38M	$190.96M
Goodwill	$906.60M	$900.65M	$889.35M	$887.98M	$855.79M	$854.82M	$854.52M	$853.23M	$852.49M	$852.26M	$849.79M	$845.40M
Total assets	$17.79B	$17.76B	$17.74B	$17.30B	$16.96B	$16.67B	$16.76B	$16.39B	$16.40B	$15.91B	$15.86B	$15.56B
Long-term debt	-	-	-	-	-	-	-	$990.20M	-	-	-	-
Total debt	-	-	-	$689.93M	-	-	-	$990.20M	-	-	-	$765.20M
Total liabilities	$15.76B	$15.69B	$15.72B	$15.30B	$15.02B	$14.78B	$14.93B	$14.62B	$14.62B	$14.24B	$14.20B	$13.86B
Shareholders' equity	$2.03B	$2.07B	$2.02B	$2.01B	$1.94B	$1.88B	$1.83B	$1.76B	$1.78B	$1.67B	$1.66B	$1.70B

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Operating cash flow	$110.25M	$51.05M	$71.56M	$84.58M	$101.09M	$53.69M	$62.51M	$65.74M	$56.86M	$39.79M	$79.89M	$44.71M
Capital expenditures	$3.88M	$9.67M	$11.26M	$23.01M	$17.66M	$17.30M	$10.55M	$7.20M	$4.93M	$6.01M	$2.56M	$4.70M
Free cash flow	$106.38M	$41.38M	$60.30M	$61.57M	$83.42M	$36.38M	$51.95M	$58.54M	$51.93M	$33.78M	$77.33M	$40.01M
Investing cash flow	$68.20M	-$179.77M	-$202.66M	$283.69M	-$281.82M	-$153.66M	-$30.31M	-$210.63M	-$239.07M	-$171.24M	-$214.68M	-$296.87M
Financing cash flow	-$11.99M	-$185.28M	$401.52M	-$311.76M	$188.73M	-$180.80M	$288.82M	-$4.21M	$326.83M	-$5.43M	$282.20M	-$12.69M
Dividends paid	$24.42M	$24.71M	$24.82M	$24.73M	$24.31M	$24.24M	$24.27M	$24.17M	$23.75M	$23.84M	$24.03M	$24.05M
Share repurchases	$15.80M	$564.0K	$15.51M	$44.0K	$11.03M	$42.0K	$48.0K	-$146.0K	$46.0K	$11.42M	$34.52M	$4.18M
Stock-based compensation	$2.79M	$2.76M	$2.97M	$2.97M	$2.33M	$2.52M	$3.05M	$1.87M	$2.08M	$2.04M	$2.38M	$2.56M

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023* Dec 31, 2023
Revenue growth, YoY	11.3%	11.3%	9.1%	9.9%	9.4%	8.8%	10.6%	-15.5%	8.5%	5.2%	43.4%	29.5%
Net income growth, YoY	11.3%	19.5%	15.3%	9.3%	25.5%	7.1%	21.4%	47.7%	-0.5%	-0.8%	604.9%	-35.8%
EPS growth, YoY	11.5%	19.6%	16.1%	9.6%	25.3%	6.6%	22.4%	49.2%	1.2%	2.2%	590.9%	-35.1%
Net margin	26.5%	27.5%	26.6%	25.1%	26.5%	25.6%	25.1%	25.2%	23.1%	26.0%	22.9%	14.4%
Free cash flow margin	45.9%	18.5%	28.0%	28.4%	40.1%	18.1%	26.3%	29.7%	27.3%	18.3%	43.3%	17.1%
Debt to equity	-	-	-	0.34	-	-	-	0.56	-	-	-	0.45

Source: XBRL data Community Financial System Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CBU peers

Company	Revenue	Growth	Net income	Net margin	Market cap
CBU	$887.07M	+10.4%	$234.28M	26.4%	$3.41B
VLYValley National Bancorp	$2.23B	+13.7%	$736.50M	33.1%	$7.74B
DCOMDime Commercial Bancshares Inc.	$509.18M	+31.8%	$142.81M	28.0%	$1.85B
OCFCOceanFirst Financial Corp.	$524.35M	+32.5%	$47.03M	9.0%	$1.79B
CBFVCB Financial Services Inc.	$48.32M	-6.1%	$7.21M	14.9%	$206.8M

CBU FAQ

8 questions

What is CBU revenue?
Community Financial System Inc. (CBU) reported $887.07M of revenue for the twelve months ended Sep 30, 2026. That is up 10.4% from the year before. Revenue for fiscal 2025 was $823.01M.
Is CBU profitable?
Yes. Community Financial System Inc. earned $234.28M in net income for the twelve months ended Sep 30, 2026, a net margin of 26.4%.
How much cash and debt does CBU have?
Community Financial System Inc. reported $424.64M in cash and cash equivalents on its most recent balance sheet in SEC filings.
How fast is CBU revenue growing?
Community Financial System Inc.'s revenue changed +9.7% in fiscal 2025, to $823.01M. Its compound annual growth rate was +6.6% over 5 years and +8.3% over 10 years.
What is CBU free cash flow?
Community Financial System Inc. generated $269.62M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $317.44M less capital expenditures.
What is CBU earnings per share?
Diluted earnings per share were $4.43 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
When did CBU last report financial results?
The latest statements here come from Community Financial System Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
Where does this CBU financial data come from?
Quantisnow builds these statements from the structured XBRL data Community Financial System Inc. files with the SEC. It is provided for information only and is not investment advice.