Community Financial System Financial Ratios
NYSE: CBUFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Community Financial System ratio analysis
Community Financial System earned a net margin of 25.7% in FY 2025, up from 24.5% a year earlier. Return on equity reached 10.5%, meaning Community Financial System generated 0.10 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.34 versus 0.56 the year before.
At the end of FY 2025, CBU traded at 14.6 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 14.6 to 26.6, with a median of 19.4. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Community Financial System financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 14.63 | 18.01 | 21.27 | 18.19 | 21.40 | 20.23 | 21.85 | 18.56 | 17.74 | 26.63 |
| Price / sales | 3.74 | 4.38 | 4.28 | 4.99 | 6.48 | 5.53 | 6.19 | 5.41 | 5.07 | 6.34 |
| Price / book | 1.53 | 1.85 | 1.65 | 2.19 | 1.91 | 1.57 | 1.97 | 1.80 | 1.61 | 2.27 |
| Net margin | 25.7% | 24.5% | 20.2% | 27.7% | 30.6% | 27.6% | 28.7% | 29.6% | 29.1% | 24.2% |
| Free cash flow margin | 28.5% | 29.7% | 32.2% | 29.7% | 30.5% | 27.6% | 33.4% | 36.7% | 34.5% | 28.7% |
| Return on equity (ROE) | 10.5% | 10.4% | 7.8% | 12.1% | 9.0% | 7.8% | 9.1% | 9.8% | 9.2% | 8.7% |
| Return on assets (ROA) | 1.2% | 1.1% | 0.8% | 1.2% | 1.2% | 1.2% | 1.5% | 1.6% | 1.4% | 1.2% |
| Debt / equity | 0.34 | 0.56 | 0.45 | 0.73 | 0.16 | 0.18 | 0.19 | 0.27 | 0.31 | 0.33 |
| Revenue growth | 9.6% | 14.4% | -4.0% | 9.5% | 4.0% | 1.2% | 3.6% | 9.8% | 20.6% | 15.5% |
| EPS growth | 15.4% | 40.4% | -29.2% | -0.6% | 13.0% | -4.6% | -0.3% | 6.9% | 30.6% | 5.9% |