Community Financial System, Inc.
CBU- Exchange
- NYSE
- Industry
- National Commercial Banks
- SEC CIK
- 0000723188
In the last 90 days, Community Financial System, Inc. insiders filed 3 open-market purchases and 0 sales; 282 institutions reported holding it in 13F filings for Q2 2026, worth $2.75B in total; no superinvestor holds it.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Nov 8, 2026, 10:31 PM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 21, 2025 | Jan 23, 2024 | Jan 24, 2023 | Jan 24, 2022 |
| Revenue | $818.0M | $746.3M | $541.4M | $443.7M | $387.4M |
| Interest expense | $192.7M | $194.4M | $104.1M | $23.1M | $13.0M |
| Income tax | $64.9M | $54.2M | $36.3M | $52.2M | $51.7M |
| Net income | $210.5M | $182.5M | $131.9M | $188.1M | $189.7M |
| EPS, basic | $3.98 | $3.44 | $2.45 | $3.48 | $3.51 |
| EPS, diluted | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 |
| Weighted shares, basic | 52.7M | 52.8M | 53.6M | 53.9M | 54.0M |
| Weighted shares, diluted | 52.8M | 52.9M | 53.7M | 54.2M | 54.4M |
| Margins and growth | |||||
| Net margin | 25.7% | 24.5% | 24.4% | 42.4% | 49.0% |
| Revenue growth, year over year | +9.6% | +37.8% | +22.0% | +14.5% | −0.5% |
| Net income growth, year over year | +15.3% | +38.3% | −29.9% | −0.9% | +15.2% |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 21, 2025 | Jan 23, 2024 | Jan 24, 2023 | Jan 24, 2022 |
| Cash and equivalents | $301.8M | $197.0M | $191.0M | $209.9M | $1.88B |
| Property, plant and equipment | $246.5M | $183.8M | $173.4M | $160.8M | $160.7M |
| Goodwill | $888.0M | $853.2M | $845.4M | $841.8M | $799.1M |
| Intangible assets | $54.7M | $48.2M | $52.6M | $61.0M | $65.2M |
| Total assets | $17.3B | $16.4B | $15.6B | $15.8B | $15.6B |
| Long-term debt | – | $990.2M | – | – | – |
| Total liabilities | $15.3B | $14.6B | $13.9B | $14.3B | $13.5B |
| Shareholders' equity | $2.01B | $1.76B | $1.70B | $1.55B | $2.10B |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 21, 2025 | Jan 23, 2024 | Jan 24, 2023 | Jan 24, 2022 |
| Operating cash flow | $301.9M | $242.3M | $228.4M | $214.6M | $202.5M |
| Capital expenditures | $68.5M | $20.7M | $18.6M | $12.9M | $13.2M |
| Free cash flow | $233.3M | $221.6M | $209.8M | $201.7M | $189.4M |
| Stock-based compensation | $10.9M | $8.37M | $9.27M | $7.74M | $6.33M |
| Dividends paid | $97.6M | $95.8M | $95.1M | $93.4M | $91.1M |
| Share buybacks | $11.2M | $46.0M | $30.2M | $16.6M | $5.11M |
| Investing cash flow | -$182.1M | -$835.6M | $335.8M | -$2.14B | -$1.53B |
| Financing cash flow | -$15.0M | $599.4M | -$583.1M | $259.2M | $1.56B |
| Ratio | |||||
| Stock-based compensation, % of revenue | 1.3% | 1.1% | 1.7% | 1.7% | 1.6% |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Oct 30, 2026 | 52.4M | −0.5% | SEC |
| Jul 31, 2026 | 52.6M | −0.5% | SEC |
| Apr 30, 2026 | 52.6M | −0.6% | SEC |
| Jan 31, 2026 | 52.7M | 0.0% | SEC |
| Oct 31, 2025 | 52.7M | +0.2% | SEC |
| Jul 31, 2025 | 52.9M | +0.6% | SEC |
| Apr 30, 2025 | 52.9M | +0.2% | SEC |
| Jan 31, 2025 | 52.7M | −1.2% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.