CBU · Community Financial System, Inc.
$67.10
+0.36 (+0.54%)
At close · Jul 24
Market Cap
$3.53B
Shares
52.55M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$818.01M
+9.6%
FY2025
Net Income
$210.46M
+15.3%
FY2025
Diluted EPS
$3.97
+15.4%
FY2025
Operating Cash Flow
$301.86M
+24.6%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $835.05M | $818.01M | $746.3M | $652.12M | $679.36M | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| $711.62M | $699.28M | $643.53M | $541.39M | $443.73M | $387.42M | $389.28M | $385.73M | $362.73M | $329.46M | $285.19M | $259.62M | $256.22M | $264.16M | $281.4M | $270.97M | $248.28M | $248.78M | |
| $521.05M | $506.55M | $449.12M | $437.29M | $420.63M | $374.41M | $368.4M | $359.18M | $345.06M | $315.68M | $273.9M | $248.42M | $244.43M | $238.09M | $230.42M | $209.41M | $181.68M | $165.5M | |
| $314M | $311.46M | $297.19M | $214.83M | $258.73M | $246.24M | $228.42M | $230.62M | $224.06M | $202.42M | $155.63M | $123.3M | $119.02M | $102.18M | $99.25M | $89.22M | $88.79M | $83.54M | |
| $840.91M | $823.02M | $750.49M | $708.88M | $683.94M | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| $14.61M | $13.85M | $14.26M | $14.51M | $15.21M | $14.05M | $14.3M | $15.96M | $18.16M | $16.94M | $5.48M | $3.66M | $4.29M | $4.47M | $4.61M | $4.38M | $5.96M | $8.17M | |
| — | $1.5M | $0 | $1.16M | $0 | $0 | — | — | — | — | — | — | — | — | — | — | — | — | |
| — | — | — | — | — | — | — | — | — | — | $266.85M | $233.06M | $226.58M | $221.26M | $211.76M | $190.37M | $176.89M | — | |
| $190.57M | $192.73M | $194.41M | $104.1M | $23.1M | $13.01M | $20.88M | $26.55M | $17.68M | $13.78M | $11.29M | $11.2M | $11.79M | $26.07M | $50.98M | $61.56M | $66.6M | $83.28M | |
| — | -$285K | $0 | $0 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| $285.74M | $275.39M | $236.71M | $168.23M | $240.31M | $241.35M | $206.08M | $209.34M | $212.99M | $159.97M | $154.6M | $132.22M | $129.69M | $111.03M | $108.81M | $103.53M | $86.39M | $53.07M | |
| $67.68M | $64.94M | $54.22M | $36.31M | $52.23M | $51.65M | $41.4M | $40.28M | $44.35M | $9.25M | $50.79M | $40.99M | $38.34M | $32.2M | $31.74M | $30.39M | $23.07M | $11.62M | |
| $218.06M | $210.46M | $182.48M | $131.92M | $188.08M | $189.69M | $164.68M | $169.06M | $168.64M | $150.72M | $103.81M | $91.23M | $91.35M | $78.83M | $77.07M | $73.14M | $63.32M | $41.45M | |
| — | 25.73% | 24.45% | 20.23% | 27.69% | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| $217.19M | $209.58M | $181.74M | $131.48M | $187.55M | $189.25M | $164.16M | $168.66M | $167.9M | $150.12M | $103.26M | $90.78M | $90.9M | $78.4M | $76.57M | $72.59M | $62.78M | $41.23M | |
| $299.18M | $339.55M | $191.29M | $261.47M | -$447.73M | $76.99M | $236.98M | $204.14M | $127.04M | $139.82M | $92.42M | $79.75M | $148.62M | -$2.05M | $102.24M | $111.65M | $62.76M | $45.53M | |
| USD/shares | — | $3.98 | $3.44 | $2.45 | $3.48 | $3.51 | $3.10 | $3.26 | $3.28 | $3.07 | $2.34 | $2.21 | $2.24 | $1.96 | $1.95 | $2.03 | $1.91 | $1.26 |
| USD/shares | — | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 | $3.08 | $3.23 | $3.24 | $3.03 | $2.32 | $2.19 | $2.22 | $1.94 | $1.93 | $2.01 | $1.89 | $1.26 |
| shares | — | 52.7M | 52.76M | 53.6M | 53.9M | 53.98M | 52.97M | 51.73M | 51.17M | 48.84M | 44.09M | 41M | 40.55M | 40M | 39.19M | 35.77M | 32.95K | 32.67M |
| shares | — | 52.82M | 52.88M | 53.73M | 54.21M | 54.4M | 53.32M | 52.25M | 51.75M | 49.47M | 44.49M | 41.4M | 41.03M | 40.5M | 39.67M | 36.18M | 33.27K | 32.82M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $129.87M in buybacks, $1.1B in dividends.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
—
EV/EBIT
—
P/E (TTM)
16.32×
Banks - Regional median 12.96×
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Banking and Corporate Services | $588,765,000 | $523,962,000 | $506,082,000 | $492,299,000 |
| Employee Benefit Services | $137,542,000 | $137,386,000 | $119,124,000 | $115,620,000 |
| Insurance Services | $54,410,000 | $50,469,000 | $47,103,000 | $39,810,000 |
| Wealth Management Services | $37,200,000 | $38,669,000 | $31,944,000 | $31,670,000 |
Key facts
CIK
723188
CUSIP
203607106
13F (30d)
56 filings
56 filers
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