Community Financial System Financial Statements
NYSE: CBUFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Community Financial System revenue and earnings
In fiscal 2025, Community Financial System generated $818.0 million in revenue, up 9.6% from fiscal 2024, its 2nd consecutive year of revenue growth. Net income was $210.5 million (+15.3% year over year), for a net margin of 25.7% versus a median of 27.6% in the prior 5 years. Diluted earnings per share came in at $3.97, up from $3.44.
Over the last 5 fiscal years, CBU's revenue has grown at a 6.5% compound annual rate.
Summary generated from market data by MetaCap's automated system. Methodology
Community Financial System income statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 818.01M | 746.30M | 652.12M | 679.36M | 620.65M | 596.82M | 589.79M | 569.11M | 518.10M | 429.52M |
| Revenue growth (YoY) | +9.61% | +14.44% | -4.01% | +9.46% | +3.99% | +1.19% | +3.63% | +9.85% | +20.62% | +15.55% |
| Operating Expenses | 521.26M | 486.82M | 472.69M | 424.27M | 388.14M | 376.53M | 372.03M | 345.29M | 347.15M | 266.85M |
| Interest Expense | 192.72M | 194.41M | 104.10M | 23.10M | 13.01M | 20.88M | 26.55M | 17.68M | 13.78M | 11.29M |
| Pretax Income | 275.39M | 236.71M | 168.23M | 240.31M | 241.35M | 206.08M | 209.34M | 212.99M | 159.97M | 154.60M |
| Income Tax | 64.94M | 54.22M | 36.31M | 52.23M | 51.65M | 41.40M | 40.27M | 44.35M | 9.25M | 50.78M |
| Net Income | 210.46M | 182.48M | 131.92M | 188.08M | 189.69M | 164.68M | 169.06M | 168.64M | 150.72M | 103.81M |
| Net Income growth (YoY) | +15.33% | +38.32% | -29.86% | -0.85% | +15.19% | -2.59% | +0.25% | +11.89% | +45.18% | +13.79% |
| EPS (Basic) | 3.98 | 3.44 | 2.45 | 3.48 | 3.51 | 3.10 | 3.26 | 3.28 | 3.07 | 2.34 |
| EPS (Diluted) | 3.97 | 3.44 | 2.45 | 3.46 | 3.48 | 3.08 | 3.23 | 3.24 | 3.03 | 2.32 |
| Shares Outstanding (Basic) | 52.70M | 52.76M | 53.60M | 53.90M | 53.98M | 52.97M | 51.73M | 51.16M | 48.84M | 44.09M |
| Shares Outstanding (Diluted) | 52.82M | 52.88M | 53.73M | 54.21M | 54.40M | 53.32M | 52.25M | 51.75M | 49.47M | 44.48M |
| Net Margin | 25.73% | 24.45% | 20.23% | 27.69% | 30.56% | 27.59% | 28.66% | 29.63% | 29.09% | 24.17% |
This table shows 10 annual periods of Community Financial System's income statement, from FY 2025 back to FY 2016, across 11 line items including revenue, operating expenses, interest expense. Values in USD; B = billions, M = millions. Fiscal periods follow CBU's reporting calendar. What is a income statement?