Community Financial System Inc Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Community Financial System Inc's revenue grew 5.9% year-over-year to $750.5M, a solid pace of expansion. This earns a growth score of 45/100.
Community Financial System Inc carries a low D/E ratio of 0.56, meaning only $0.56 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 90/100, indicating a strong balance sheet with room for future borrowing.
Community Financial System Inc converts 29.5% of revenue into free cash flow ($221.6M). This strong cash generation earns a score of 100/100.
Community Financial System Inc's ROE of 10.3% shows moderate profitability relative to equity, earning a score of 41/100. This is up from 7.8% the prior year.
Community Financial System Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Community Financial System Inc generates $1.33 in operating cash flow ($242.3M OCF vs $182.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Community Financial System Inc (CBU) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Community Financial System Inc generated $750.5M in revenue in fiscal year 2024. This represents an increase of 5.9% from the prior year.
Community Financial System Inc generated $221.6M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 5.6% from the prior year.
Community Financial System Inc reported $182.5M in net income in fiscal year 2024. This represents an increase of 38.3% from the prior year.
Community Financial System Inc earned $3.44 per diluted share (EPS) in fiscal year 2024. This represents an increase of 40.4% from the prior year.
Community Financial System Inc held $197.0M in cash against $990.2M in long-term debt as of fiscal year 2024.
Community Financial System Inc paid $1.82 per share in dividends in fiscal year 2024. This represents an increase of 2.2% from the prior year.
Community Financial System Inc had 53M shares outstanding in fiscal year 2024. This represents a decrease of 1.2% from the prior year.
Community Financial System Inc's net profit margin was 24.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 5.7 percentage points from the prior year.
Community Financial System Inc's ROE was 10.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 2.6 percentage points from the prior year.
Community Financial System Inc spent $46.0M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 52.2% from the prior year.
Community Financial System Inc invested $20.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 11.4% from the prior year.
CBU Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $208.1M+3.8% | $200.5M+1.6% | $197.3M0.0% | $197.4M+7.1% | $184.3M+3.2% | $178.5M-43.1% | $313.8M+128.1% | $137.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $49.1M+2.1% | $48.1M+1.5% | $47.4M-5.1% | $50.0M+4.9% | $47.6M+4.3% | $45.7M+23.0% | $37.1M+24.7% | $29.8M |
| Income Tax | $18.1M+22.9% | $14.7M+0.4% | $14.7M-0.6% | $14.7M+4.0% | $14.2M+16.5% | $12.2M+20.6% | $10.1M-14.9% | $11.9M |
| Net Income | $55.1M+7.3% | $51.3M+3.5% | $49.6M-0.4% | $49.8M+3.9% | $47.9M+17.2% | $40.9M+21.3% | $33.7M-23.6% | $44.1M |
| EPS (Diluted) | $1.04+7.2% | $0.97+4.3% | $0.93-1.1% | $0.94+3.3% | $0.91+19.7% | $0.76+20.6% | $0.63-23.2% | $0.82 |
CBU Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $17.0B+1.8% | $16.7B-0.6% | $16.8B+2.3% | $16.4B+3.0% | $15.9B+0.3% | $15.9B+1.9% | $15.6B+1.1% | $15.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $245.2M+3.4% | $237.2M-54.2% | $518.0M+162.9% | $197.0M-2.2% | $201.5M-40.5% | $338.4M+77.2% | $191.0M-58.1% | $455.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $855.8M+0.1% | $854.8M0.0% | $854.5M+0.2% | $853.2M+0.1% | $852.3M+0.3% | $849.8M+0.5% | $845.4M0.0% | $845.4M |
| Total Liabilities | $15.0B+1.6% | $14.8B-1.0% | $14.9B+2.1% | $14.6B+2.7% | $14.2B+0.2% | $14.2B+2.5% | $13.9B+0.2% | $13.8B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | $990.2M | N/A | N/A | N/A | N/A |
| Total Equity | $1.9B+3.0% | $1.9B+2.7% | $1.8B+4.0% | $1.8B+5.5% | $1.7B+0.8% | $1.7B-2.4% | $1.7B+9.2% | $1.6B |
| Retained Earnings | $1.4B+2.3% | $1.3B+2.1% | $1.3B+2.0% | $1.3B+3.7% | $1.2B+2.0% | $1.2B+1.4% | $1.2B+0.8% | $1.2B |
CBU Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $101.1M+88.3% | $53.7M-14.1% | $62.5M-4.9% | $65.7M+65.2% | $39.8M-50.2% | $79.9M+78.7% | $44.7M-31.1% | $64.9M |
| Capital Expenditures | $17.7M+2.1% | $17.3M+63.9% | $10.6M+46.6% | $7.2M+19.8% | $6.0M+134.9% | $2.6M-45.5% | $4.7M-32.4% | $6.9M |
| Free Cash Flow | $83.4M+129.3% | $36.4M-30.0% | $52.0M-11.2% | $58.5M+73.3% | $33.8M-56.3% | $77.3M+93.3% | $40.0M-30.9% | $57.9M |
| Investing Cash Flow | -$281.8M-83.4% | -$153.7M-407.0% | -$30.3M+85.6% | -$210.6M-23.0% | -$171.2M+20.2% | -$214.7M+27.7% | -$296.9M-140.9% | -$123.2M |
| Financing Cash Flow | $188.7M+204.4% | -$180.8M-162.6% | $288.8M+6955.4% | -$4.2M+22.5% | -$5.4M-101.9% | $282.2M+2324.5% | -$12.7M-104.4% | $291.4M |
| Dividends Paid | $24.3M+0.3% | $24.2M-0.1% | $24.3M+0.4% | $24.2M+1.4% | $23.8M-0.8% | $24.0M-0.1% | $24.1M+1.9% | $23.6M |
| Share Buybacks | $11.0M+26171.4% | $42K-12.5% | $48K+2.1% | $47K-99.6% | $11.4M-66.9% | $34.5M+685.5% | $4.4M-14.8% | $5.2M |
CBU Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 26.5%+0.9pp | 25.6%+0.5pp | 25.1%-0.1pp | 25.2%-0.8pp | 26.0%+3.1pp | 22.9%+12.2pp | 10.7%-21.3pp | 32.1% |
| Return on Equity | 2.8%+0.1pp | 2.7%+0.0pp | 2.7%-0.1pp | 2.8%-0.1pp | 2.9%+0.4pp | 2.5%+0.5pp | 2.0%-0.9pp | 2.8% |
| Return on Assets | 0.3%+0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3%+0.0pp | 0.2%-0.1pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.75-0.1 | 7.85-0.3 | 8.14+7.6 | 0.56-8.0 | 8.52-0.0 | 8.57+0.4 | 8.16-0.7 | 8.90 |
| FCF Margin | 40.1%+21.9pp | 18.1%-8.2pp | 26.3%-3.3pp | 29.6%+11.3pp | 18.3%-25.0pp | 43.3%+30.6pp | 12.8%-29.3pp | 42.1% |
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Frequently Asked Questions
What is Community Financial System Inc's annual revenue?
Community Financial System Inc (CBU) reported $750.5M in total revenue for fiscal year 2024. This represents a 5.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Community Financial System Inc's revenue growing?
Community Financial System Inc (CBU) revenue grew by 5.9% year-over-year, from $708.9M to $750.5M in fiscal year 2024.
Is Community Financial System Inc profitable?
Yes, Community Financial System Inc (CBU) reported a net income of $182.5M in fiscal year 2024, with a net profit margin of 24.3%.
What is Community Financial System Inc's earnings per share (EPS)?
Community Financial System Inc (CBU) reported diluted earnings per share of $3.44 for fiscal year 2024. This represents a 40.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Community Financial System Inc have?
As of fiscal year 2024, Community Financial System Inc (CBU) had $197.0M in cash and equivalents against $990.2M in long-term debt.
What is Community Financial System Inc's net profit margin?
Community Financial System Inc (CBU) had a net profit margin of 24.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Community Financial System Inc pay dividends?
Yes, Community Financial System Inc (CBU) paid $1.82 per share in dividends during fiscal year 2024.
What is Community Financial System Inc's return on equity (ROE)?
Community Financial System Inc (CBU) has a return on equity of 10.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Community Financial System Inc's free cash flow?
Community Financial System Inc (CBU) generated $221.6M in free cash flow during fiscal year 2024. This represents a 5.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Community Financial System Inc's operating cash flow?
Community Financial System Inc (CBU) generated $242.3M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Community Financial System Inc's total assets?
Community Financial System Inc (CBU) had $16.4B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Community Financial System Inc's capital expenditures?
Community Financial System Inc (CBU) invested $20.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Community Financial System Inc buy back shares?
Yes, Community Financial System Inc (CBU) spent $46.0M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Community Financial System Inc have outstanding?
Community Financial System Inc (CBU) had 53M shares outstanding as of fiscal year 2024.
What is Community Financial System Inc's debt-to-equity ratio?
Community Financial System Inc (CBU) had a debt-to-equity ratio of 0.56 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Community Financial System Inc's return on assets (ROA)?
Community Financial System Inc (CBU) had a return on assets of 1.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Community Financial System Inc's Piotroski F-Score?
Community Financial System Inc (CBU) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Community Financial System Inc's earnings high quality?
Community Financial System Inc (CBU) has an earnings quality ratio of 1.33x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Community Financial System Inc?
Community Financial System Inc (CBU) scores 69 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.