What is Community Financial System, Inc.'s earnings per share (EPS)?

Community Financial System, Inc. (CBU) reported diluted earnings per share of $3.97 for fiscal year 2025. This represents a 15.4% 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.

Community Financial System (CBU) Financials

CBU NYSE

Trailing 12 months to June 30, 2026

Revenue $863.6M +9.9% YoY

Net Income $228.1M +17.2% YoY

EPS (Diluted) $4.31 +17.4% YoY

Free Cash Flow $246.7M +24.1% YoY

Market Cap $3.3B as of Oct 26, 2026

Price / Sales 3.8x on $863.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.4x on $228.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.6x on $2.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 26, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CBU SEC filings page.

Community Financial System, Inc. (CBU) reported $863.6M in revenue over the twelve months to Jun 30, 2026, up 9.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CBU FY2025 2026-10-25

Reported profit converts to operating cash, but the business remains funded primarily through liabilities and requires rising reinvestment.

Operating cash flow exceeded net income in FY2025 ($301.9M versus $210.5M), indicating reported earnings were not dependent on delayed cash collection. Capital expenditures reached $68.5M, while free-cash-flow margin fell to 28.3%, showing more operating cash was retained for reinvestment.

Liabilities were 88.4% of assets in FY2025, down from 90.2% in FY2022. That improvement, alongside a liabilities-to-equity ratio of 7.6x, points to a slightly thicker equity buffer but not a lightly financed balance sheet.

Net income grew 15.3% while revenue grew 9.7% from FY2024 to FY2025; earnings therefore expanded faster than the reported business base rather than merely tracking volume. Interest expense was $192.7M against net income of $210.5M, so funding costs remain a central determinant of reported profitability.

Financial Health Signals

Financial Health Score 58/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Community Financial System, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Community Financial System, Inc. earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.1% the prior year. Earnings ranks banks on that return over three years, and Community Financial System, Inc. scores 68/100 among other banks.

Growth

Community Financial System, Inc. reported revenue of $823.0M in fiscal year 2025, against $750.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Community Financial System, Inc. scores 49/100 among other banks.

Capital

Community Financial System, Inc. funded 11.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $2.0B of equity against $17.3B of assets. Capital ranks banks on that cushion, and Community Financial System, Inc. scores 56/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Community Financial System, Inc. scores 48/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Community Financial System, Inc. scores 51/100 on it among other banks.

Stability

Community Financial System, Inc. reported net income of $210.5M in fiscal year 2025, against $182.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Community Financial System, Inc. scores 75/100 among other banks.

Piotroski F-Score Partial

5/6

Community Financial System, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$223.2M

YoY+11.3%

QoQ+3.7%

5Y CAGR+8.0%

10Y CAGR+7.6%

Community Financial System, Inc. generated $223.2M in revenue in Q2 2026. This represents an increase of 11.3% from the same quarter a year earlier. Against the prior quarter it is up 3.7%.

Net Income

$61.3M

YoY+19.5%

QoQ+7.2%

5Y CAGR+5.0%

10Y CAGR+9.0%

Community Financial System, Inc. reported $61.3M in net income in Q2 2026. This represents an increase of 19.5% from the same quarter a year earlier. Against the prior quarter it is up 7.2%.

EPS (Diluted)

$1.16

YoY+19.6%

QoQ+7.4%

5Y CAGR+5.7%

10Y CAGR+7.2%

Community Financial System, Inc. earned $1.16 per diluted share (EPS) in Q2 2026. This represents an increase of 19.6% from the same quarter a year earlier. Against the prior quarter it is up 7.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$41.4M

YoY+13.7%

QoQ-31.4%

5Y CAGR+14.0%

10Y CAGR+0.4%

Community Financial System, Inc. generated $41.4M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 13.7% from the same quarter a year earlier. Against the prior quarter it is down 31.4%.

Cash & Debt

$258.2M

YoY+8.8%

QoQ-54.9%

5Y CAGR-34.9%

10Y CAGR+4.8%

Community Financial System, Inc. held $258.2M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.47

YoY+2.2%

QoQ0.0%

5Y CAGR+2.3%

10Y CAGR+4.2%

Community Financial System, Inc. paid $0.47 per share in dividends in Q2 2026. This represents an increase of 2.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

53M

YoY-0.5%

QoQ+0.1%

5Y CAGR-0.5%

10Y CAGR+1.7%

Community Financial System, Inc. had 53M shares outstanding in Q2 2026. This represents a decrease of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

27.5%

YoY+1.9pp

QoQ+0.9pp

5Y change-4.2pp

10Y change+3.3pp

Community Financial System, Inc.'s net profit margin was 27.5% in Q2 2026, showing the share of revenue converted to profit. This is up 1.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.

Return on Equity

3.0%

YoY+0.2pp

QoQ+0.1pp

5Y change+0.6pp

10Y change+0.9pp

Community Financial System, Inc.'s quarterly ROE was 3.0% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$564K

YoY+1242.9%

QoQ-96.4%

5Y CAGR+56.5%

10Y CAGR-2.4%

Community Financial System, Inc. spent $564K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1242.9% from the same quarter a year earlier. Against the prior quarter it is down 96.4%.

Capital Expenditures

$9.7M

YoY-44.1%

QoQ-14.1%

5Y CAGR+15.0%

10Y CAGR+12.7%

Community Financial System, Inc. invested $9.7M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 44.1% from the same quarter a year earlier. Against the prior quarter it is down 14.1%.

R&D Spending

Not reported for Q2 2026.

CBU Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CBU quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$863.6M	$823.0M+9.7%	$750.5M+5.9%	$708.9M+3.6%	$683.9M+10.2%	$620.6M+4.0%	$596.8M+1.2%	$589.8M+3.6%	$569.1M+9.8%	$518.1M+20.6%	$429.5M+15.5%	$371.7M+2.3%	$363.4M+6.8%	$340.3M+3.2%	$329.7M+10.4%	$298.6M
Interest Expense	$187.6M	$192.7M-0.9%	$194.4M+86.7%	$104.1M+350.7%	$23.1M+77.6%	$13.0M-37.7%	$20.9M-21.4%	$26.6M+50.2%	$17.7M+28.3%	$13.8M+22.0%	$11.3M+0.8%	$11.2M-5.0%	$11.8M-54.8%	$26.1M-48.9%	$51.0M-17.2%	$61.6M
Income Tax	$72.5M	$64.9M+19.8%	$54.2M+49.3%	$36.3M-30.5%	$52.2M+1.1%	$51.7M+24.8%	$41.4M+2.8%	$40.3M-9.2%	$44.3M+379.5%	$9.2M-81.8%	$50.8M+23.9%	$41.0M+6.9%	$38.3M+19.1%	$32.2M+1.5%	$31.7M+4.4%	$30.4M
Net Income	$228.1M	$210.5M+15.3%	$182.5M+38.3%	$131.9M-29.9%	$188.1M-0.9%	$189.7M+15.2%	$164.7M-2.6%	$169.1M+0.3%	$168.6M+11.9%	$150.7M+45.2%	$103.8M+13.8%	$91.2M-0.1%	$91.4M+15.9%	$78.8M+2.3%	$77.1M+5.4%	$73.1M
EPS (Basic)	N/A	$3.98+15.7%	$3.44+40.4%	$2.45-29.6%	$3.48-0.9%	$3.51+13.2%	$3.10-4.9%	$3.26-0.6%	$3.28+6.8%	$3.07+31.2%	$2.34+5.9%	$2.21-1.3%	$2.24+14.3%	$1.96+0.5%	$1.95-3.9%	$2.03
EPS (Diluted)	$4.31	$3.97+15.4%	$3.44+40.4%	$2.45-29.2%	$3.46-0.6%	$3.48+13.0%	$3.08-4.6%	$3.23-0.3%	$3.24+6.9%	$3.03+30.6%	$2.32+5.9%	$2.19-1.4%	$2.22+14.4%	$1.94+0.5%	$1.93-4.0%	$2.01
Diluted Shares (Avg)	N/A	53M-0.1%	53M-1.6%	54M-0.9%	54M-0.4%	54M+2.0%	53M+2.1%	52M+1.0%	52M+4.6%	49M+11.2%	44M+7.4%	41M+0.9%	41M+1.3%	41M+2.1%	40M+9.6%	36M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$223.2M+11.3%	$215.2M+9.1%	$217.0M+9.9%	$208.1M+9.4%	$200.5M+8.8%	$197.3M+10.6%	$197.4M-15.5%	$190.3M+8.5%
Interest Expense	$45.2M-6.1%	$45.3M-4.6%	$48.0M-3.8%	$49.1M-4.0%	$48.1M+1.1%	$47.4M+3.9%	$50.0M+34.5%	$51.2M+71.8%
Income Tax	$19.5M+32.5%	$17.4M+18.7%	$17.5M+18.7%	$18.1M+37.7%	$14.7M+3.7%	$14.7M+20.4%	$14.7M+46.2%	$13.1M+10.7%
Net Income	$61.3M+19.5%	$57.2M+15.3%	$54.4M+9.3%	$55.1M+25.5%	$51.3M+7.1%	$49.6M+21.4%	$49.8M+47.7%	$43.9M-0.5%
EPS (Basic)	$1.16+19.6%	$1.08+14.9%	$1.03+9.6%	$1.04+25.3%	$0.97+6.6%	$0.94+22.1%	$0.94+49.2%	$0.83+1.2%
EPS (Diluted)	$1.16+19.6%	$1.08+16.1%	$1.03+9.6%	$1.04+25.3%	$0.97+6.6%	$0.93+22.4%	$0.94+49.2%	$0.83+1.2%
Diluted Shares (Avg)	53M-0.2%	53M-0.3%	N/A	53M+0.2%	53M+0.2%	53M-0.8%	N/A	53M-1.7%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

CBU Balance Sheet

CBU quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$17.3B+5.6%	$16.4B+5.3%	$15.6B-1.8%	$15.8B+1.8%	$15.6B+11.6%	$13.9B+22.1%	$11.4B+7.6%	$10.6B-1.3%	$10.7B+24.0%	$8.7B+1.3%	$8.6B+14.2%	$7.5B+5.5%	$7.1B-5.3%	$7.5B+15.5%	$6.5B
Cash & Equivalents	$301.8M+53.2%	$197.0M+3.2%	$191.0M-9.0%	$209.9M-88.8%	$1.9B+13.9%	$1.6B+702.7%	$205.0M-3.2%	$211.8M-4.2%	$221.0M+27.1%	$173.9M+13.5%	$153.2M+10.7%	$138.4M-7.5%	$149.6M-34.5%	$228.6M-29.6%	$324.9M
Short-Term Investments	$1.5B+8.1%	$1.3B+14.8%	$1.2B+8.6%	$1.1B	N/A	N/A	N/A	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	$29.8M	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$888.0M+4.1%	$853.2M+0.9%	$845.4M+0.4%	$841.8M+5.3%	$799.1M+0.7%	$793.7M+2.6%	$773.8M+5.5%	$733.5M-0.1%	$734.4M+57.9%	$465.1M+0.4%	$463.3M+23.5%	$375.2M0.0%	$375.0M+1.4%	$369.7M+7.1%	$345.1M
Total Liabilities	$15.3B+4.6%	$14.6B+5.5%	$13.9B-3.0%	$14.3B+6.2%	$13.5B+13.7%	$11.8B+23.8%	$9.6B+7.4%	$8.9B-2.4%	$9.1B+22.0%	$7.5B+0.8%	$7.4B+14.0%	$6.5B+4.5%	$6.2B-5.7%	$6.6B+15.4%	$5.7B
Long-Term Debt	N/A	$990.2M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.0B+13.8%	$1.8B+3.8%	$1.7B+9.4%	$1.6B-26.1%	$2.1B-0.2%	$2.1B+13.4%	$1.9B+8.3%	$1.7B+4.8%	$1.6B+36.5%	$1.2B+5.0%	$1.1B+15.5%	$987.9M+12.8%	$875.8M-3.0%	$902.8M+16.6%	$774.6M
Retained Earnings	$1.4B+8.8%	$1.3B+7.3%	$1.2B+3.2%	$1.2B+8.9%	$1.1B+10.2%	$960.2M+8.8%	$882.9M+11.0%	$795.6M+13.6%	$700.6M+14.0%	$614.7M+8.5%	$566.6M+7.7%	$526.0M+9.2%	$481.7M+7.8%	$447.0M+8.6%	$411.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$17.8B+6.6%	$17.7B+5.8%	$17.3B+5.6%	$17.0B+3.4%	$16.7B+4.8%	$16.8B+5.7%	$16.4B+5.3%	$16.4B+6.6%
Cash & Equivalents	$258.2M+8.8%	$572.2M+10.5%	$301.8M+53.2%	$245.2M-29.1%	$237.2M+17.7%	$518.0M+53.1%	$197.0M+3.2%	$346.1M-24.1%
Short-Term Investments	$1.5B+3.3%	$1.5B+4.8%	$1.5B+8.1%	$1.4B+9.3%	$1.4B+12.6%	$1.4B+14.5%	$1.3B+14.8%	$1.3B+17.2%
Goodwill	$900.6M+5.4%	$889.3M+4.1%	$888.0M+4.1%	$855.8M+0.4%	$854.8M+0.3%	$854.5M+0.6%	$853.2M+0.9%	$852.5M+0.8%
Total Liabilities	$15.7B+6.1%	$15.7B+5.3%	$15.3B+4.6%	$15.0B+2.7%	$14.8B+3.8%	$14.9B+5.1%	$14.6B+5.5%	$14.6B+5.7%
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$990.2M	N/A
Total Equity	$2.1B+10.1%	$2.0B+10.4%	$2.0B+13.8%	$1.9B+8.6%	$1.9B+12.7%	$1.8B+10.7%	$1.8B+3.8%	$1.8B+14.8%
Retained Earnings	$1.5B+9.7%	$1.4B+9.2%	$1.4B+8.8%	$1.4B+8.7%	$1.3B+7.9%	$1.3B+7.8%	$1.3B+7.3%	$1.2B+6.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

CBU Cash Flow Statement

CBU quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$308.3M	$301.9M+24.6%	$242.3M+6.1%	$228.4M+6.4%	$214.6M+6.0%	$202.5M+12.8%	$179.5M-11.4%	$202.5M-8.5%	$221.4M+16.7%	$189.7M+39.7%	$135.8M+13.6%	$119.6M-2.1%	$122.1M+18.3%	$103.2M-4.8%	$108.4M+14.9%	$94.4M
Depreciation & Amortization	N/A	$30.0M+6.4%	$28.2M+2.6%	$27.5M-7.2%	$29.6M-0.1%	$29.6M-2.0%	$30.3M-5.0%	$31.8M-6.1%	$33.9M+2.8%	$33.0M+65.8%	$19.9M+18.4%	$16.8M-3.3%	$17.4M+4.0%	$16.7M+3.8%	$16.1M+2.1%	$15.8M
Stock-Based Compensation	N/A	$10.9M+29.7%	$8.4M-9.7%	$9.3M+19.8%	$7.7M+22.2%	$6.3M-1.3%	$6.4M+21.5%	$5.3M-12.8%	$6.1M+18.0%	$5.1M+7.4%	$4.8M+13.9%	$4.2M+5.2%	$4.0M+0.8%	$4.0M+8.0%	$3.7M-3.1%	$3.8M
Capital Expenditures	$61.6M	$68.5M+231.0%	$20.7M+11.4%	$18.6M+43.8%	$12.9M-3.4%	$13.4M-9.5%	$14.8M+160.0%	$5.7M-55.0%	$12.6M+16.9%	$10.8M-13.0%	$12.4M+0.3%	$12.4M-7.3%	$13.4M-3.5%	$13.9M+27.7%	$10.8M+12.8%	$9.6M
Free Cash Flow	$246.7M	$233.3M+5.3%	$221.6M+5.6%	$209.8M+4.0%	$201.7M+6.6%	$189.2M+14.9%	$164.7M-16.3%	$196.8M-5.7%	$208.8M+16.7%	$178.9M+45.0%	$123.3M+15.1%	$107.2M-1.4%	$108.7M+21.7%	$89.3M-8.5%	$97.6M+15.1%	$84.8M
Investing Cash Flow	-$380.6M	-$182.1Mn/m	-$835.6M-348.9%	$335.8Mn/m	-$2.1Bn/m	-$1.5Bn/m	-$398.7Mn/m	-$157.1M-997.7%	$17.5M-86.7%	$131.4Mn/m	-$122.0Mn/m	-$274.2M	N/A	$553.3Mn/m	-$264.3Mn/m	-$22.7M
Financing Cash Flow	$93.2M	-$15.0M-102.5%	$599.4Mn/m	-$583.1M-325.0%	$259.2M-83.4%	$1.6B-6.2%	$1.7Bn/m	-$52.3Mn/m	-$248.1Mn/m	-$273.9M-4084.1%	$6.9M-95.9%	$169.4M	N/A	-$735.4M-1335.6%	$59.5M+43.9%	$41.4M
Dividends Paid	$98.6M	$97.6M+1.9%	$95.8M+0.7%	$95.1M+1.8%	$93.4M+2.6%	$91.1M+4.5%	$87.1M+8.6%	$80.2M+12.2%	$71.5M+14.8%	$62.3M+13.2%	$55.0M+11.7%	$49.3M+6.7%	$46.2M+6.2%	$43.5M+6.7%	$40.8M+18.5%	$34.4M
Share Buybacks	$27.2M	$11.2M-75.6%	$45.8M+52.7%	$30.0M+80.7%	$16.6M+225.4%	$5.1M+1784.1%	$271K-5.2%	$286K-4.0%	$298K-91.0%	$3.3M-4.7%	$3.5M-62.0%	$9.1M+108.9%	$4.4Mn/m	$0n/m	$0	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$51.1M-4.9%	$71.6M+14.5%	$84.6M+28.7%	$101.1M+77.8%	$53.7M+34.9%	$62.5M-21.8%	$65.7M+47.0%	$56.9M-12.3%
Depreciation & Amortization	$10.5M+49.4%	$9.5M+33.3%	$8.1M+16.2%	$7.1M+4.8%	$7.0M-3.4%	$7.1M+3.9%	$7.0M+3.4%	$6.8M-0.2%
Stock-Based Compensation	N/A	$3.0M-2.6%	N/A	N/A	N/A	$3.0M+28.2%	N/A	N/A
Capital Expenditures	$9.7M-44.1%	$11.3M+6.7%	$23.0M+219.5%	$17.7M+258.1%	$17.3M+187.9%	$10.6M+312.5%	$7.2M+53.4%	$4.9M-29.0%
Free Cash Flow	$41.4M+13.7%	$60.3M+16.1%	$61.6M+5.2%	$83.4M+60.7%	$36.4M+7.7%	$52.0M-32.8%	$58.5M+46.3%	$51.9M-10.3%
Investing Cash Flow	-$179.8Mn/m	-$202.7Mn/m	$283.7Mn/m	-$281.8Mn/m	-$153.7Mn/m	-$30.3Mn/m	-$210.6Mn/m	-$239.1Mn/m
Financing Cash Flow	-$185.3Mn/m	$401.5M+39.0%	-$311.8Mn/m	$188.7M-42.3%	-$180.8Mn/m	$288.8M+2.3%	-$4.2Mn/m	$326.8M+12.2%
Dividends Paid	$24.7M+1.9%	$24.8M+2.3%	$24.7M+2.3%	$24.3M+2.4%	$24.2M+1.7%	$24.3M+1.0%	$24.2M+0.5%	$23.7M+0.6%
Share Buybacks	$564K+1242.9%	$15.5M+32214.6%	$44K-69.9%	$11.0M+23887.0%	$42K-99.6%	$48K-99.9%	-$146K-96.5%	$46K-99.1%

CBU Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CBU quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	25.6%+1.2pp	24.3%+5.7pp	18.6%-8.9pp	27.5%-3.1pp	30.6%+3.0pp	27.6%-1.1pp	28.7%-1.0pp	29.6%+0.5pp	29.1%+4.9pp	24.2%-0.4pp	24.5%-0.6pp	25.1%+2.0pp	23.2%-0.2pp	23.4%-1.1pp	24.5%
Return on Equity	10.5%+0.1pp	10.3%+2.6pp	7.8%-4.3pp	12.1%+3.1pp	9.0%+1.2pp	7.8%-1.3pp	9.1%-0.7pp	9.8%+0.6pp	9.2%+0.6pp	8.7%+0.7pp	8.0%-1.2pp	9.3%+0.3pp	9.0%+0.5pp	8.5%-0.9pp	9.4%
Return on Assets	1.2%+0.1pp	1.1%+0.3pp	0.9%-0.3pp	1.2%0.0pp	1.2%0.0pp	1.2%-0.3pp	1.5%-0.1pp	1.6%+0.2pp	1.4%+0.2pp	1.2%+0.1pp	1.1%-0.2pp	1.2%+0.1pp	1.1%+0.1pp	1.0%-0.1pp	1.1%
Debt-to-Equity	N/A	0.56	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Liabilities-to-Equity	7.63-0.7x	8.30+0.1x	8.16-1.0x	9.21+2.8x	6.40+0.8x	5.62+0.5x	5.150.0x	5.19-0.4x	5.57-0.7x	6.23-0.3x	6.50-0.1x	6.58-0.5x	7.10-0.2x	7.30-0.1x	7.38
Asset Turnover	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.05
FCF Margin	28.3%-1.2pp	29.5%-0.1pp	29.6%+0.1pp	29.5%-1.0pp	30.5%+2.9pp	27.6%-5.8pp	33.4%-3.3pp	36.7%+2.2pp	34.5%+5.8pp	28.7%-0.1pp	28.8%-1.1pp	29.9%+3.7pp	26.3%-3.3pp	29.6%+1.2pp	28.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	27.5%+1.9pp	26.6%+1.4pp	25.1%-0.1pp	26.5%+3.4pp	25.6%-0.4pp	25.1%+2.2pp	25.2%+10.8pp	23.1%-2.1pp
Return on Equity	3.0%+0.2pp	2.8%+0.1pp	2.7%-0.1pp	2.8%+0.4pp	2.7%-0.1pp	2.7%+0.2pp	2.8%+0.8pp	2.5%-0.4pp
Return on Assets	0.4%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp
Debt-to-Equity	N/A	N/A	N/A	N/A	N/A	N/A	0.56	N/A
Liabilities-to-Equity	7.57-0.3x	7.77-0.4x	7.63-0.7x	7.75-0.4x	7.85-0.7x	8.14-0.4x	8.30+0.1x	8.19-0.7x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	18.5%+0.4pp	28.0%+1.7pp	28.4%-1.3pp	40.1%+12.8pp	18.1%-0.2pp	26.3%-17.0pp	29.6%+12.5pp	27.3%-5.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Community Financial System, Inc. CBU	FY2025	$823.0M	$210.5M	25.6%	$3.3B	58/100
Independent Bank Corp/MA INDB	FY2025	$857.5M	$205.1M	23.9%	$4.0B	61/100
First Hawaiian, Inc. FHB	FY2025	$880.8M	$276.3M	31.4%	$3.1B	61/100
WesBanco Inc WSBC	FY2025	$981.1M	$223.1M	22.7%	$3.7B	58/100

Where Community Financial System, Inc. Ranks

Frequently Asked Questions

What is Community Financial System, Inc.'s annual revenue?

Community Financial System, Inc. (CBU) reported $823.0M in total revenue for fiscal year 2025. This represents a 9.7% 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 9.7% year-over-year, from $750.5M to $823.0M in fiscal year 2025.

Is Community Financial System, Inc. profitable?

Yes, Community Financial System, Inc. (CBU) reported a net income of $228.1M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $210.5M, with a net profit margin of 25.6%.

What is Community Financial System, Inc.'s net profit margin?

Community Financial System, Inc. (CBU) had a net profit margin of 25.6% in fiscal year 2025, 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 $1.86 per share in dividends during fiscal year 2025.

What is Community Financial System, Inc.'s return on equity (ROE)?

Community Financial System, Inc. (CBU) has a return on equity of 10.5% for fiscal year 2025, 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 $233.3M in free cash flow during fiscal year 2025. This represents a 5.3% 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 $301.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Community Financial System, Inc.'s total assets?

Community Financial System, Inc. (CBU) had $17.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Community Financial System, Inc.'s capital expenditures?

Community Financial System, Inc. (CBU) invested $68.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Community Financial System, Inc. buy back shares?

Yes, Community Financial System, Inc. (CBU) spent $11.2M on share buybacks during fiscal year 2025, 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 2025.

What is Community Financial System, Inc.'s liabilities-to-equity ratio?

Community Financial System, Inc. (CBU) had a liabilities-to-equity ratio of 7.63 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is Community Financial System, Inc.'s return on assets (ROA)?

Community Financial System, Inc. (CBU) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Community Financial System, Inc.'s P/E ratio?

Community Financial System, Inc. (CBU) trades at 14.4x earnings, its market capitalization divided by $228.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Community Financial System, Inc.'s price-to-sales ratio?

Community Financial System, Inc. (CBU) trades at 3.8x sales, its market capitalization divided by $863.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Community Financial System, Inc.'s Piotroski F-Score?

Community Financial System, Inc. (CBU) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Community Financial System, Inc.?

Community Financial System, Inc. (CBU) scores 58 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.