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Community Financial System CBU · USD

Financials · US listing · 🇺🇸 United States

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65.78

+1.61%

Close of 9 Nov 2026, in USD

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in USD, from our data supplier.

FY2025

Revenue, before interest expense

$1.01bn

FY2016FY2025

Net income

$210.5m

FY2016FY2025

Total assets

$17.41bn

FY2016FY2025

Shareholders' equity

$2.01bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expense$1.01bn$940.7m$756.0m$702.5m$633.7m$617.3m$616.3m$587.1m$531.9m$440.8m
Operating income$275.4m$236.7m$168.2m$240.3m$241.3m$206.1m$209.3m$213.0m$160.0m$154.6m
Net income$210.5m$182.5m$131.9m$188.1m$189.7m$164.7m$169.1m$168.6m$150.7m$103.8m
Diluted earnings per share3.973.442.463.473.483.053.223.242.922.31

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets$17.41bn$16.39bn$15.56bn$15.84bn$15.55bn$13.93bn$11.41bn$10.61bn$10.75bn$8.67bn
Cash and short-term investments$301.8m$509.0m$3.11bn$4.36bn$6.81bn$5.19bn$3.25bn$3.15bn$3.25bn$2.92bn
Total liabilities$15.41bn$14.62bn$13.86bn$14.28bn$13.45bn$11.83bn$9.56bn$8.89bn$9.11bn$7.47bn
Debt$250.3m$270.2m$304.6m$350.0m$328.0m$365.0m$333.0m$357.0m$460.0m$102.0m
Shareholders' equity$2.01bn$1.76bn$1.70bn$1.55bn$2.10bn$2.10bn$1.86bn$1.71bn$1.64bn$1.20bn
Shares outstanding53m53m54m54m55m54m53m52m52m45m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expense$223.2m$213.3m$215.7m$207.1m$199.3m$196.2m$196.3m$188.9m
Operating income$80.8m$74.6m$71.9m$73.2m$66.0m$64.3m$64.5m$57.0m
Net income$61.3m$57.2m$54.4m$55.1m$51.3m$49.6m$49.8m$43.9m
Diluted earnings per share1.161.081.031.040.970.940.940.83
Total assets$17.76bn$17.74bn$17.41bn$16.96bn$16.67bn$16.76bn$16.39bn$16.40bn
Cash and short-term investments$4.78bn$572.2m$301.8m$3.10bn$2.69bn$834.3m$509.0m$3.23bn
Debt$1.20bn$647.3m$250.3m$292.1m$311.0m$266.6m$379.6m$317.4m
Shareholders' equity$2.07bn$2.02bn$2.01bn$1.94bn$1.88bn$1.83bn$1.76bn$1.78bn

Financial ratios

Data as of 22 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin27.2%25.2%22.3%34.2%38.1%33.4%
Net margin20.8%19.4%17.5%26.8%29.9%26.7%
Return on equity10.5%10.4%7.8%12.1%9.0%7.8%
Return on assets1.2%1.1%0.8%1.2%1.2%1.2%
Revenue growth7.5%24.4%7.6%10.9%2.7%0.2%
Earnings growth15.3%38.3%-29.9%-0.9%15.2%-2.6%
Current ratio1.49x0.04x0.24x0.31x32.47x0.45x
Debt to equity0.35x0.57x0.45x1.45x0.32x0.17x
Equity ratio11.5%10.8%10.9%9.8%13.5%15.1%
Interest coverage1.43x1.22x1.62x10.40x18.55x9.87x
Buybacks as a share of market value0.2%1.1%1.1%0.6%-0.9%-2.9%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue6.4%6.5%8.2%
Operating income4.6%6.0%7.6%
Net income3.8%5.0%8.7%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin26.2%27.0%29.4%31.0%
Net margin20.1%20.9%22.9%24.2%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings14.417.921.218.221.420.422.018.018.426.8
Price to sales3.74.44.15.06.55.76.35.35.36.5

Market value over time

30 Nov 2016 to 21 Oct 2026, in USD

$2.54bn$3.21bn

Share price return

Finished calendar years

2025202420232022202120202019201820172016
Return-1%17%-13%-16%16%-12%28%3%-12%59%

Dividends and splits

Per share, in the currency the company pays

Paid for 28 years. Last went ex-dividend on 15 Sept 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year1.431.861.821.781.741.701.661.58
  • 2-for-1 split · 13 Apr 2004
  • 2-for-1 split · 13 Mar 1997

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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