CoverageForm 410-K10-Q8-K13D13G13F

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.

Price · CBU

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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 itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 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

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin33.5%31.5%----
EBITDA margin35.4%33.4%----
Net margin25.6%24.3%----
Free cash flow margin28.4%29.5%----
FCF / Net income1.111.211.591.071.001.00
R&D / Revenue------
SG&A / Revenue------
Effective tax rate23.6%22.9%21.6%21.7%21.4%20.1%
Return on assets1.2%1.1%0.8%1.2%1.2%1.2%
Return on equity10.5%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 coverage1.4x1.2x1.6x10.4x15.8x9.9x
Equity multiplier8.639.309.1610.217.406.62
Liabilities / Assets0.880.890.890.900.860.85
Efficiency
Asset turnover0.050.05----
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E14.5x17.9x21.3x18.2x21.4x20.2x
P / B1.5x1.9x1.6x2.2x1.9x1.6x
P / S3.7x4.3x----
EV / EBITDA9.4x16.2x14.4x12.6x9.8x7.6x
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 total
Banking 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

CompanyRevenue (last FY)Net marginROE
HBAN---
UMBF--9.1%
ZION$662.00M135.8%12.5%
JPM$182.45B31.3%15.7%
SFNC$5.63M-7060.1%-11.6%

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-datePer 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