CBU · Community Bank System, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $823.01M | $750.49M | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $15.58M | $13.68M | $12.99M | $14.41M | $15.59M | $15.96M |
| Operating Income | $275.39M | $236.71M | $168.23M | $240.31M | $206.08M | $206.08M |
| Interest Expense | $192.72M | $194.41M | $104.10M | $23.10M | $13.01M | $20.88M |
| Income Tax | $64.94M | $54.22M | $36.31M | $52.23M | $51.65M | $41.40M |
| Net Income | $210.46M | $182.48M | $131.92M | $188.08M | $189.69M | $164.68M |
| EPS - Basic | $3.98 | $3.44 | $2.45 | $3.48 | $3.51 | $3.10 |
| EPS - Diluted | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 | $3.08 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $301.75M | $197.00M | $190.96M | $209.90M | $1.88B | $1.65B |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $17.30B | $16.39B | $15.56B | $15.84B | $15.55B | $13.93B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | $990.20M | - | - | - | - |
| Total Liabilities | $15.30B | $14.62B | $13.86B | $14.28B | $13.45B | $11.83B |
| Stockholders' Equity | $2.01B | $1.76B | $1.70B | $1.55B | $2.10B | $2.10B |
| Retained Earnings | $1.39B | $1.28B | $1.19B | $1.15B | $1.06B | $960.18M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $301.86M | $242.28M | $228.42M | $214.60M | $202.55M | $179.48M |
| Investing Cash Flow | ($182.10M) | ($835.62M) | $335.78M | ($2.14B) | ($1.53B) | ($398.72M) |
| Financing Cash Flow | ($15.01M) | $599.38M | ($583.13M) | $259.22M | $1.56B | $1.66B |
| CapEx | $68.53M | $20.70M | $18.59M | $12.92M | $13.18M | $14.39M |
| Free Cash Flow | $233.33M | $221.57M | $209.84M | $201.68M | $189.37M | $165.09M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 33.5% | 31.5% | - | - | - | - |
| EBITDA margin | 35.4% | 33.4% | - | - | - | - |
| Net margin | 25.6% | 24.3% | - | - | - | - |
| Free cash flow margin | 28.4% | 29.5% | - | - | - | - |
| FCF / Net income | 1.11 | 1.21 | 1.59 | 1.07 | 1.00 | 1.00 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 23.6% | 22.9% | 21.6% | 21.7% | 21.4% | 20.1% |
| Return on assets | 1.2% | 1.1% | 0.8% | 1.2% | 1.2% | 1.2% |
| Return on equity | 10.5% | 10.4% | 7.8% | 12.1% | 9.0% | 7.8% |
| Return on invested capital | - | 6.6% | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | 0.56 | - | - | - | - |
| Debt / Assets | - | 0.06 | - | - | - | - |
| Debt / EBITDA | - | 3.95 | - | - | - | - |
| Interest coverage | 1.4x | 1.2x | 1.6x | 10.4x | 15.8x | 9.9x |
| Equity multiplier | 8.63 | 9.30 | 9.16 | 10.21 | 7.40 | 6.62 |
| Liabilities / Assets | 0.88 | 0.89 | 0.89 | 0.90 | 0.86 | 0.85 |
| Efficiency | ||||||
| Asset turnover | 0.05 | 0.05 | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 14.5x | 17.9x | 21.3x | 18.2x | 21.4x | 20.2x |
| P / B | 1.5x | 1.9x | 1.6x | 2.2x | 1.9x | 1.6x |
| P / S | 3.7x | 4.3x | - | - | - | - |
| EV / EBITDA | 9.4x | 16.2x | 14.4x | 12.6x | 9.8x | 7.6x |
| Growth | ||||||
| Revenue growth (YoY) | 9.7% | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 16.3% | 40.7% | -30.0% | 16.6% | 0.0% | -1.6% |
| Net income growth (YoY) | 15.3% | 38.3% | -29.9% | -0.9% | 15.2% | -2.6% |
| EPS growth (YoY) | 15.4% | 40.4% | -29.2% | -0.6% | 13.0% | -4.6% |
| EPS CAGR (3y) | 4.7% | -0.4% | -7.3% | 2.3% | 2.4% | 0.5% |
| EPS CAGR (5y) | 5.2% | 1.3% | -5.4% | 2.7% | 8.4% | 7.1% |
| FCF growth (YoY) | 5.3% | 5.6% | 4.0% | 6.5% | 14.7% | -16.1% |
| FCF CAGR (5y) | 7.2% | 2.4% | 0.1% | 10.0% | 9.8% | 9.7% |
| Book value growth (YoY) | 13.8% | 3.8% | 9.4% | -26.1% | -0.2% | 13.4% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$817.92M totalBanking And Corporate Services$588.76M · 72.0%
Employee Benefit Services$137.54M · 16.8%
Insurance Services$54.41M · 6.7%
Wealth Management Services$37.20M · 4.5%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing COMMUNITY BANK SYSTEM against the 5 most active filers in the same SIC group.
Dividends
$1.87/share trailing 12 months · +2.2% YoY
| Ex-date | Per share |
|---|---|
| Mar 16, 2026 | $0.4700 |
| Dec 12, 2025 | $0.4700 |
| Sep 12, 2025 | $0.4700 |
| Jun 13, 2025 | $0.4600 |
| Mar 14, 2025 | $0.4600 |
| Dec 13, 2024 | $0.4600 |
| Sep 13, 2024 | $0.4600 |
| Jun 14, 2024 | $0.4500 |
| Mar 14, 2024 | $0.4500 |
| Dec 14, 2023 | $0.4500 |
| Sep 14, 2023 | $0.4500 |
| Jun 14, 2023 | $0.4400 |
| Mar 14, 2023 | $0.4400 |
| Dec 14, 2022 | $0.4400 |
| Sep 14, 2022 | $0.4400 |
| Jun 14, 2022 | $0.4300 |
| Mar 14, 2022 | $0.4300 |
| Dec 14, 2021 | $0.4300 |
| Sep 14, 2021 | $0.4300 |
| Jun 14, 2021 | $0.4200 |
| Mar 12, 2021 | $0.4200 |
| Dec 11, 2020 | $0.4200 |
| Sep 14, 2020 | $0.4200 |
| Jun 12, 2020 | $0.4100 |