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Community Financial System (CBU) Financials

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$62.19 -0.27 (-0.43%)
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Annual Income Statements for Community Financial System

Annual Income Statements for Community Financial System

This table shows Community Financial System's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 91 104 151 169 169 165 190 188 132 182 210
Consolidated Net Income / (Loss)		 91 104 151 169 169 165 190 188 132 182 210
Net Income / (Loss) Continuing Operations		 91 104 151 169 169 165 190 188 132 182 210
Total Pre-Tax Income 		132 155 160 213 209 206 241 240 168 237 275
Total Revenue		 372 430 518 569 590 597 621 679 652 746 818
Net Interest Income / (Expense)		 248 274 316 345 359 368 374 421 437 449 507
Total Interest Income		 260 285 329 363 386 389 387 444 541 644 699
Loans and Leases Interest Income		 188 211 254 286 308 315 308 335 445 546 597
Investment Securities Interest Income		 72 74 76 77 78 74 79 109 96 98 103
Total Interest Expense		 11 11 14 18 27 21 13 23 104 194 193
Deposits Interest Expense		 6.97 7.33 8.03 11 20 17 12 15 85 160 162
Long-Term Debt Interest Expense		 4.23 3.97 5.75 7.02 6.09 4.11 1.38 8.06 19 35 31
Total Non-Interest Income		 123 156 202 224 231 228 246 259 215 297 311
Service Charges on Deposit Accounts		 3.35 82 94 101 98 90 93 107 102 109 114
Other Service Charges		 58 7.48 5.47 3.57 4.36 3.75 3.67 4.64 15 16 21
Net Realized & Unrealized Capital Gains on Investments		 -0.00 0.00 0.00 0.34 4.90 0.42 0.02 -0.04 -52 0.74 0.38
Other Non-Interest Income		 62 66 103 119 124 135 149 147 150 172 177
Provision for Credit Losses		 6.45 8.08 11 11 8.43 14 -8.84 15 11 23 21
Total Non-Interest Expense		 233 267 347 345 372 377 388 424 473 487 521
Salaries and Employee Benefits		 126 156 187 207 220 228 242 257 282 301 314
Net Occupancy & Equipment Expense		 58 65 73 79 81 86 92 97 100 106 118
Marketing Expense		 7.20 7.48 9.99 9.38 11 9.46 9.32 13 16 16 15
Other Operating Expenses		 27 31 34 32 35 33 30 37 61 50 60
Amortization Expense		 3.66 5.48 17 18 16 14 14 15 15 14 14
Income Tax Expense		 41 51 9.25 44 40 41 52 52 36 54 65
Other Gains / (Losses), net		 - - - - - - - - 0.00 0.00 -0.29
Basic Earnings per Share		 $2.21 $2.34 $3.07 $3.28 $3.26 $3.10 $3.51 $3.48 $2.45 $3.44 $3.98
Weighted Average Basic Shares Outstanding		 41.00M 44.09M 48.84M 51.17M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M 52.72M
Diluted Earnings per Share		 $2.19 $2.32 $3.03 $3.24 $3.23 $3.08 $3.48 $3.46 $2.45 $3.44 $3.97
Weighted Average Diluted Shares Outstanding		 41.00M 44.09M 48.84M 51.17M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M 52.72M
Weighted Average Basic & Diluted Shares Outstanding		 41.00M 44.09M 48.84M 51.17M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M 52.72M
Cash Dividends to Common per Share		 $1.22 $1.26 $1.32 $1.44 $1.58 $1.66 $1.70 $1.74 $1.78 $1.82 $1.86

Quarterly Income Statements for Community Financial System

This table shows Community Financial System's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 48 44 34 41 48 44 50 50 51 55 54
Consolidated Net Income / (Loss)		 48 44 34 41 48 44 50 50 51 55 54
Net Income / (Loss) Continuing Operations		 48 44 34 41 48 44 50 50 51 55 54
Total Pre-Tax Income 		61 56 44 53 62 57 65 64 66 73 72
Total Revenue		 175 175 177 177 184 189 196 196 199 207 215
Net Interest Income / (Expense)		 109 108 109 107 109 113 120 120 125 128 133
Total Interest Income		 132 138 146 153 157 164 170 168 173 177 181
Loans and Leases Interest Income		 107 115 122 127 133 140 145 143 147 153 155
Investment Securities Interest Income		 24 22 24 25 24 23 25 25 26 25 27
Total Interest Expense		 22 30 37 46 48 51 50 47 48 49 48
Deposits Interest Expense		 19 25 32 37 40 41 42 39 41 41 42
Long-Term Debt Interest Expense		 3.40 5.22 5.23 8.88 7.24 11 8.20 8.15 7.49 8.40 6.49
Total Non-Interest Income		 66 68 68 70 74 76 76 76 75 79 82
Service Charges on Deposit Accounts		 26 26 34 25 27 29 35 29 28 29 28
Other Service Charges		 4.06 3.45 -4.45 3.66 3.19 4.62 -3.96 3.80 4.57 4.79 7.85
Net Realized & Unrealized Capital Gains on Investments		 -0.05 -0.05 0.05 0.02 0.64 -0.15 0.25 0.25 -0.00 0.24 -0.11
Other Non-Interest Income		 36 38 38 41 43 43 45 43 42 45 47
Provision for Credit Losses		 0.75 2.88 4.07 6.15 2.71 7.71 6.21 6.69 4.12 5.56 4.98
Total Non-Interest Expense		 113 117 129 118 119 124 126 125 129 128 139
Salaries and Employee Benefits		 68 71 72 73 73 78 76 76 79 77 82
Net Occupancy & Equipment Expense		 25 26 25 26 26 26 27 29 28 31 31
Marketing Expense		 4.57 4.63 3.64 3.05 4.14 4.37 4.51 3.13 4.00 4.59 3.42
Other Operating Expenses		 11 12 22 13 12 12 14 13 15 13 19
Amortization Expense		 3.71 3.58 3.56 3.58 3.88 3.37 3.44 3.48 3.37 3.26 3.74
Income Tax Expense		 13 12 10 12 14 13 15 15 15 18 17
Basic Earnings per Share		 $0.90 $0.82 $0.62 $0.77 $0.91 $0.83 $0.93 $0.94 $0.97 $1.04 $1.03
Weighted Average Basic Shares Outstanding		 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M 52.85M 52.86M 52.66M 52.72M
Diluted Earnings per Share		 $0.89 $0.82 $0.63 $0.76 $0.91 $0.83 $0.94 $0.93 $0.97 $1.04 $1.03
Weighted Average Diluted Shares Outstanding		 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M 52.85M 52.86M 52.66M 52.72M
Weighted Average Basic & Diluted Shares Outstanding		 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M 52.85M 52.86M 52.66M 52.72M

Annual Cash Flow Statements for Community Financial System

This table details how cash moves in and out of Community Financial System's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 15 21 47 -9.20 -6.80 1,441 229 -1,665 -19 6.04 105
Net Cash From Operating Activities		 120 136 190 221 203 179 203 215 228 242 302
Net Cash From Continuing Operating Activities		 120 136 190 221 203 179 203 215 228 242 302
Net Income / (Loss) Continuing Operations		 91 104 151 169 169 165 190 188 132 182 210
Consolidated Net Income / (Loss)		 91 104 151 169 169 165 190 188 132 182 210
Provision For Loan Losses		 6.45 8.08 11 11 8.43 14 -8.84 15 11 23 21
Depreciation Expense		 13 14 16 16 16 16 16 14 13 14 16
Amortization Expense		 4.07 1.59 11 19 10 3.32 -7.93 -2.72 21 26 29
Non-Cash Adjustments to Reconcile Net Income		 -0.35 2.44 3.73 -5.34 -1.28 0.58 3.98 4.98 58 2.75 6.53
Changes in Operating Assets and Liabilities, net		 5.04 5.45 -2.60 13 0.24 -19 10 -4.92 -6.40 -5.20 19
Net Cash From Investing Activities		 -274 -122 131 17 -157 -399 -1,531 -2,139 336 -836 -182
Net Cash From Continuing Investing Activities		 -274 -122 131 17 -157 -399 -1,531 -2,139 336 -836 -182
Purchase of Property, Leasehold Improvements and Equipment		 -12 -12 -11 -13 -5.69 -15 -13 -13 -19 -21 -69
Purchase of Investment Securities		 -654 -231 -47 -117 -957 -1,270 -1,944 -2,395 -991 -932 -682
Sale of Property, Leasehold Improvements and Equipment		 - - - - - 0.39 0.20 2.43 7.47 5.74 1.97
Sale and/or Maturity of Investments		 392 118 187 147 804 886 427 267 1,338 111 566
Net Cash From Financing Activities		 169 6.87 -274 -248 -52 1,660 1,557 259 -583 599 -15
Net Cash From Continuing Financing Activities		 169 6.87 -274 -248 -52 1,670 1,557 259 -583 599 -15
Net Change in Deposits		 239 202 -80 -122 104 1,714 1,686 -421 -84 514 402
Issuance of Debt		 - - - - - -8.30 0.00 768 -315 315 -118
Issuance of Common Equity		 26 19 15 19 14 16 9.82 1.18 1.02 7.09 5.28
Repayment of Debt		 -37 -155 -145 -73 -64 -3.09 -82 -0.10 -15 -47 -160
Repurchase of Common Equity		 -9.13 -3.47 -3.31 -0.30 -0.29 -0.27 -5.11 -17 -30 -46 -11
Payment of Dividends		 -49 -55 -62 -71 -80 -87 -91 -93 -95 -96 -98
Other Financing Activities, Net		 -0.81 -1.42 1.87 -0.72 -26 39 40 21 -44 -48 -35
Cash Interest Paid		 11 11 14 18 25 21 14 23 100 193 193
Cash Income Taxes Paid		 29 32 41 30 46 40 42 57 42 44 40

Quarterly Cash Flow Statements for Community Financial System

This table details how cash moves in and out of Community Financial System's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 33 233 -265 147 -137 145 -149 321 -281 8.00 57
Net Cash From Operating Activities		 41 65 45 80 40 57 66 63 54 101 85
Net Cash From Continuing Operating Activities		 41 65 45 80 40 57 66 63 54 101 85
Net Income / (Loss) Continuing Operations		 48 44 34 41 48 44 50 50 51 55 54
Consolidated Net Income / (Loss)		 48 44 34 41 48 44 50 50 51 55 54
Provision For Loan Losses		 0.75 2.88 4.07 6.15 2.71 7.71 6.21 6.69 4.12 5.56 4.98
Depreciation Expense		 3.24 3.24 3.21 3.28 3.40 3.43 3.57 3.64 3.66 3.87 4.41
Amortization Expense		 5.17 5.70 5.92 5.96 6.38 6.02 7.44 6.67 6.96 7.26 7.82
Non-Cash Adjustments to Reconcile Net Income		 0.73 1.96 1.44 0.88 0.73 1.43 -0.28 1.72 1.24 0.67 2.90
Changes in Operating Assets and Liabilities, net		 -17 6.95 -3.64 23 -21 -5.63 -0.99 -5.83 -14 29 10
Net Cash From Investing Activities		 160 -123 -297 -215 -171 -239 -211 -30 -154 -282 284
Net Cash From Continuing Investing Activities		 160 -123 -297 -215 -171 -239 -211 -30 -154 -282 284
Purchase of Property, Leasehold Improvements and Equipment		 -2.87 -6.95 -4.70 -2.56 -6.01 -4.93 -7.20 -11 -17 -18 -23
Purchase of Investment Securities		 -199 -310 -303 -233 -212 -278 -225 -44 -154 -294 -190
Sale of Property, Leasehold Improvements and Equipment		 2.73 1.54 1.57 1.22 0.43 1.44 2.66 0.93 0.60 0.28 0.18
Sale and/or Maturity of Investments		 359 192 9.33 19 46 42 19 23 17 30 496
Net Cash From Financing Activities		 -168 291 -13 282 -5.43 327 -4.21 289 -181 189 -312
Net Cash From Continuing Financing Activities		 -171 291 -13 282 -5.43 327 -4.21 289 -181 189 -312
Net Change in Deposits		 -239 159 -103 424 -214 338 -34 450 -190 355 -213
Issuance of Debt		 176 834 -615 -53 328 -25 65 -118 130 -12 -118
Issuance of Common Equity		 0.15 0.05 0.30 0.96 0.44 1.31 4.39 2.34 1.33 0.95 0.66
Repayment of Debt		 -3.02 -769 759 -13 -11 -65 41 -24 -12 -162 38
Repurchase of Common Equity		 -9.71 -5.16 -4.39 -35 -11 -0.05 -0.05 -0.05 -0.04 -11 -0.04
Payment of Dividends		 -24 -24 -24 -24 -24 -24 -24 -24 -24 -24 -25
Other Financing Activities, Net		 -71 96 -26 -19 -73 100 -56 2.26 -86 43 6.20
Cash Interest Paid		 22 28 36 45 47 51 50 48 49 50 47
Cash Income Taxes Paid		 17 11 12 3.36 13 16 11 3.75 20 8.49 8.66

Annual Balance Sheets for Community Financial System

This table presents Community Financial System's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 8,553 8,666 10,746 10,607 11,410 13,931 15,553 15,836 15,556 16,386 17,303
Cash and Due from Banks		 153 174 221 212 205 1,646 1,875 210 191 197 302
Trading Account Securities		 2,848 2,784 3,031 2,936 3,044 3,550 4,934 5,232 4,165 4,218 4,444
Loans and Leases, Net of Allowance		 4,756 4,901 6,209 6,232 6,841 7,355 7,324 8,748 9,638 10,353 10,862
Loans and Leases		 4,801 4,949 6,257 6,281 6,891 7,416 7,374 8,809 9,705 10,432 10,950
Allowance for Loan and Lease Losses		 45 47 48 49 50 61 50 61 67 79 88
Premises and Equipment, Net		 114 112 123 120 165 166 161 161 173 184 247
Goodwill		 463 465 734 734 774 794 799 842 845 853 888
Intangible Assets		 21 16 91 74 63 53 - 61 53 48 55
Other Assets		 196 211 336 300 319 368 350 582 490 532 507
Total Liabilities & Shareholders' Equity		 8,553 8,666 10,746 10,607 11,410 13,931 2,042 15,836 15,556 16,386 17,303
Total Liabilities		 7,412 7,468 9,111 8,894 9,555 11,827 13,452 14,284 13,858 14,623 15,297
Non-Interest Bearing Deposits		 1,500 1,646 2,293 2,313 2,466 3,362 - 4,141 3,639 3,557 3,683
Interest Bearing Deposits		 5,374 5,430 6,151 6,010 6,529 7,863 - 8,872 9,290 9,884 10,704
Short-Term Debt		 - 146 361 259 242 284 - 347 305 262 231
Accrued Interest Payable		 135 144 181 157 215 231 - 134 164 183 220
Long-Term Debt		 403 102 125 154 103 87 3.28 791 461 737 459
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,141 1,198 1,635 1,714 1,855 2,104 2,038 1,552 1,698 1,763 2,006
Total Preferred & Common Equity		 1,141 1,198 1,635 1,714 1,855 2,104 2,101 1,552 1,698 1,763 2,006
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00 0.00 0.00
Total Common Equity		 1,141 1,198 1,635 1,714 1,855 2,104 2,038 1,552 1,698 1,763 2,006
Common Stock		 572 591 946 963 979 1,079 1,041 1,104 1,115 1,130 1,143
Retained Earnings		 567 615 701 796 883 960 1,058 1,152 1,189 1,275 1,388
Treasury Stock		 -18 -15 -21 -12 -6.82 -6.20 -11 -26 -56 -101 -111
Accumulated Other Comprehensive Income / (Loss)		 19 7.84 -3.70 -45 -10 62 -51 -686 -557 -548 -419
Other Equity Adjustments		 - 0.00 13 12 10 9.13 - 7.76 6.89 5.90 5.38

Quarterly Balance Sheets for Community Financial System

This table presents Community Financial System's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 15,595 15,256 15,108 15,386 15,859 15,907 16,405 16,764 16,665 16,958
Cash and Due from Banks		 247 189 223 456 338 201 346 518 237 245
Trading Account Securities		 5,171 4,576 4,169 3,960 4,081 4,167 4,205 4,301 4,350 4,418
Loans and Leases, Net of Allowance		 0.00 0.00 9,107 9,385 9,813 9,952 10,176 10,338 10,437 10,665
Loans and Leases		 - - 9,171 9,450 9,884 10,024 10,252 10,421 10,519 10,750
Allowance for Loan and Lease Losses		 - - 63 65 70 71 76 83 82 85
Premises and Equipment, Net		 162 159 158 175 171 178 178 190 201 213
Goodwill		 845 843 844 845 850 852 852 855 855 856
Intangible Assets		 64 58 58 56 55 54 48 46 44 44
Other Assets		 9,105 9,431 549 509 550 502 599 517 541 517
Total Liabilities & Shareholders' Equity		 15,595 15,256 15,108 15,386 15,859 15,907 16,405 16,764 16,665 16,958
Total Liabilities		 14,133 13,622 13,491 13,831 14,202 14,237 14,620 14,930 14,782 15,019
Non-Interest Bearing Deposits		 4,282 3,950 3,855 3,781 3,555 3,649 3,587 3,526 3,589 3,687
Interest Bearing Deposits		 9,204 9,161 9,017 9,250 9,797 9,488 9,889 10,366 10,113 10,370
Short-Term Debt		 353 305 233 330 287 215 317 267 181 224
Accrued Interest Payable		 152 131 134 154 167 167 195 176 186 199
Long-Term Debt		 143 76 251 317 395 717 631 595 714 539
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,461 1,634 1,617 1,555 1,657 1,670 1,785 1,834 1,883 1,939
Total Preferred & Common Equity		 1,461 1,634 1,617 1,555 1,657 1,670 1,785 1,834 1,883 1,939
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,461 1,634 1,617 1,555 1,657 1,670 1,785 1,834 1,883 1,939
Common Stock		 1,103 1,107 1,109 1,112 1,118 1,120 1,124 1,133 1,137 1,140
Retained Earnings		 1,124 1,135 1,159 1,179 1,206 1,230 1,250 1,301 1,328 1,358
Treasury Stock		 -26 -36 -46 -51 -89 -100 -100 -100 -100 -111
Accumulated Other Comprehensive Income / (Loss)		 -746 -578 -612 -692 -584 -586 -494 -505 -487 -453
Other Equity Adjustments		 7.70 6.73 6.79 6.84 5.76 5.80 5.85 5.25 5.29 5.34

Annual Metrics And Ratios for Community Financial System

This table displays calculated financial ratios and metrics derived from Community Financial System's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 52,661,489.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 52,661,489.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 4.00
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.28% 15.55% 20.62% 9.85% 3.63% 1.19% 3.99% 9.46% -4.01% 14.44% 9.61%
EBITDA Growth		 1.30% 14.17% 9.51% 32.40% -4.83% -4.26% 10.49% 1.20% -19.68% 36.44% 15.75%
EBIT Growth		 1.95% 16.93% 3.47% 33.15% -1.71% -1.56% 17.12% -0.43% -30.00% 40.70% 16.34%
NOPAT Growth		 -0.13% 13.79% 45.18% 11.89% 0.25% -2.59% 15.19% -0.85% -29.86% 38.32% 15.33%
Net Income Growth		 -0.13% 13.79% 45.18% 11.89% 0.25% -2.59% 15.19% -0.85% -29.86% 38.32% 15.33%
EPS Growth		 -1.35% 5.94% 30.60% 6.93% -0.31% -4.64% 12.99% -0.57% -29.19% 40.41% 15.41%
Operating Cash Flow Growth		 -2.08% 13.55% 39.70% 16.73% -8.54% -11.37% 12.85% 5.95% 6.44% 6.07% 24.59%
Free Cash Flow Firm Growth		 88.55% 911.03% -360.15% 130.99% -40.62% -214.72% 607.18% -170.82% 190.17% -132.40% 337.92%
Invested Capital Growth		 8.13% -6.32% 46.65% 0.29% 3.41% 12.51% -15.00% 27.82% -8.42% 12.12% -2.38%
Revenue Q/Q Growth		 1.77% 2.56% 6.37% 0.30% 1.42% 0.13% 1.48% 2.45% 0.16% 2.66% 2.40%
EBITDA Q/Q Growth		 -3.54% 5.76% 6.22% 5.33% -5.34% 4.29% -7.89% 12.96% -8.02% 8.92% 2.76%
EBIT Q/Q Growth		 -1.96% 6.77% 5.25% 1.86% 0.11% 3.51% -0.87% 4.66% -12.26% 9.61% 2.75%
NOPAT Q/Q Growth		 -3.25% 6.48% 43.43% -15.61% 1.23% 2.24% -1.52% 5.01% -12.49% 9.67% 2.25%
Net Income Q/Q Growth		 -3.25% 6.48% 43.43% -15.61% 1.23% 2.24% -1.52% 5.01% -12.49% 9.67% 2.25%
EPS Q/Q Growth		 -4.37% 4.98% 38.99% -16.92% 1.57% 1.65% -1.97% 5.17% -12.19% 9.90% 2.32%
Operating Cash Flow Q/Q Growth		 6.11% -4.21% 11.05% 1.29% 10.89% -9.70% -2.28% 11.45% -10.52% 9.51% 6.66%
Free Cash Flow Firm Q/Q Growth		 87.55% -38.23% -16.81% -13.32% 137.32% 25.20% 101.88% -164.55% 477.85% 68.19% 16.59%
Invested Capital Q/Q Growth		 -9.45% -2.04% 4.48% 4.14% 1.42% -0.11% -12.07% 37.47% 11.86% 1.04% -0.23%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.20% 39.72% 36.06% 43.46% 39.91% 37.76% 40.12% 37.09% 31.04% 37.01% 39.08%
EBIT Margin		 35.57% 35.99% 30.88% 37.42% 35.49% 34.53% 38.89% 35.37% 25.80% 31.72% 33.67%
Profit (Net Income) Margin		 24.54% 24.17% 29.09% 29.63% 28.66% 27.59% 30.56% 27.69% 20.23% 24.45% 25.73%
Tax Burden Percent		 69.00% 67.15% 94.22% 79.18% 80.76% 79.91% 78.60% 78.26% 78.42% 77.09% 76.42%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 31.00% 32.85% 5.78% 20.82% 19.24% 20.09% 21.40% 21.74% 21.58% 22.91% 23.58%
Return on Invested Capital (ROIC)		 6.14% 6.94% 8.45% 7.94% 7.81% 7.04% 8.28% 7.85% 5.12% 6.99% 7.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.14% 6.94% 8.45% 7.94% 7.81% 7.04% 8.28% 7.85% 5.12% 6.99% 7.71%
Return on Net Nonoperating Assets (RNNOA)		 2.43% 1.93% 2.19% 2.13% 1.66% 1.27% 0.87% 2.63% 3.00% 3.56% 3.46%
Return on Equity (ROE)		 8.57% 8.88% 10.64% 10.07% 9.47% 8.32% 9.16% 10.48% 8.12% 10.55% 11.17%
Cash Return on Invested Capital (CROIC)		 -1.67% 13.47% -29.38% 7.64% 4.46% -4.73% 24.50% -16.58% 13.91% -4.44% 10.12%
Operating Return on Assets (OROA)		 1.65% 1.80% 1.65% 1.99% 1.90% 1.63% 1.64% 1.53% 1.07% 1.48% 1.63%
Return on Assets (ROA)		 1.14% 1.21% 1.55% 1.58% 1.54% 1.30% 1.29% 1.20% 0.84% 1.14% 1.25%
Return on Common Equity (ROCE)		 8.57% 8.88% 10.64% 10.07% 9.47% 8.32% 9.16% 10.48% 8.12% 10.55% 11.17%
Return on Equity Simple (ROE_SIMPLE)		 8.00% 8.66% 9.22% 9.84% 9.11% 7.83% 9.03% 12.12% 7.77% 10.35% 10.49%
Net Operating Profit after Tax (NOPAT)		 91 104 151 169 169 165 190 188 132 182 210
NOPAT Margin		 24.54% 24.17% 29.09% 29.63% 28.66% 27.59% 30.56% 27.69% 20.23% 24.45% 25.73%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.54% 53.19% 52.12% 51.97% 53.00% 54.34% 55.28% 54.01% 60.98% 56.59% 54.70%
Operating Expenses to Revenue		 62.70% 62.13% 67.00% 60.67% 63.08% 63.09% 62.54% 62.45% 72.48% 65.23% 63.72%
Earnings before Interest and Taxes (EBIT)		 132 155 160 213 209 206 241 240 168 237 275
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 149 171 187 247 235 225 249 252 202 276 320
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.14 1.86 1.39 1.48 1.73 1.43 1.81 2.03 1.58 1.84 1.51
Price to Tangible Book Value (P/TBV)		 1.98 3.11 2.80 2.81 3.15 2.39 2.98 4.85 3.36 3.76 2.84
Price to Revenue (P/Rev)		 3.49 5.19 4.37 4.47 5.43 5.03 5.95 4.64 4.12 4.34 3.70
Price to Earnings (P/E)		 14.23 21.47 15.03 15.09 18.95 18.22 19.48 16.74 20.36 17.77 14.37
Dividend Yield		 3.86% 2.51% 2.95% 2.90% 2.55% 2.96% 2.48% 2.97% 3.54% 2.95% 3.24%
Earnings Yield		 7.03% 4.66% 6.65% 6.63% 5.28% 5.49% 5.13% 5.97% 4.91% 5.63% 6.96%
Enterprise Value to Invested Capital (EV/IC)		 1.00 1.59 1.19 1.29 1.52 0.70 0.87 1.52 1.32 1.46 1.27
Enterprise Value to Revenue (EV/Rev)		 4.16 5.36 4.88 4.83 5.67 2.89 2.94 6.00 5.00 5.42 4.17
Enterprise Value to EBITDA (EV/EBITDA)		 10.36 13.50 13.54 11.10 14.21 7.66 7.32 16.18 16.10 14.64 10.68
Enterprise Value to EBIT (EV/EBIT)		 11.71 14.90 15.82 12.89 15.97 8.37 7.55 16.97 19.38 17.08 12.39
Enterprise Value to NOPAT (EV/NOPAT)		 16.97 22.19 16.79 16.28 19.78 10.48 9.61 21.68 24.71 22.16 16.22
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.95 16.97 13.34 12.40 16.51 9.61 9.00 19.00 14.27 16.69 11.31
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 11.44 0.00 16.91 34.68 0.00 3.25 0.00 9.10 0.00 12.36
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.35 0.21 0.30 0.24 0.19 0.18 0.00 0.73 0.45 0.57 0.34
Long-Term Debt to Equity		 0.35 0.09 0.08 0.09 0.06 0.04 0.00 0.51 0.27 0.42 0.23
Financial Leverage		 0.40 0.28 0.26 0.27 0.21 0.18 0.11 0.34 0.59 0.51 0.45
Leverage Ratio		 7.54 7.36 6.85 6.38 6.17 6.40 7.12 8.74 9.66 9.23 8.94
Compound Leverage Factor		 7.54 7.36 6.85 6.38 6.17 6.40 7.12 8.74 9.66 9.23 8.94
Debt to Total Capital		 26.13% 17.17% 22.91% 19.44% 15.68% 15.00% 0.16% 42.30% 31.07% 36.17% 25.59%
Short-Term Debt to Total Capital		 0.00% 10.11% 17.02% 12.19% 10.99% 11.47% 0.00% 12.89% 12.37% 9.47% 8.57%
Long-Term Debt to Total Capital		 26.13% 7.06% 5.89% 7.25% 4.69% 3.53% 0.16% 29.42% 18.70% 26.70% 17.02%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.87% 82.83% 77.09% 80.56% 84.32% 85.00% 99.84% 57.70% 68.93% 63.83% 74.41%
Debt to EBITDA		 2.70 1.46 2.60 1.67 1.47 1.65 0.01 4.51 3.78 3.62 2.16
Net Debt to EBITDA		 1.67 0.44 1.42 0.82 0.59 -5.66 -7.52 3.68 2.84 2.90 1.21
Long-Term Debt to EBITDA		 2.70 0.60 0.67 0.62 0.44 0.39 0.01 3.14 2.28 2.67 1.44
Debt to NOPAT		 4.42 2.39 3.22 2.45 2.04 2.25 0.02 6.05 5.80 5.47 3.28
Net Debt to NOPAT		 2.74 0.72 1.76 1.20 0.83 -7.74 -9.87 4.93 4.35 4.39 1.84
Long-Term Debt to NOPAT		 4.42 0.98 0.83 0.92 0.61 0.53 0.02 4.21 3.49 4.04 2.18
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -25 201 -524 162 96 -111 561 -397 358 -116 276
Operating Cash Flow to CapEx		 964.24% 1,091.23% 1,753.16% 1,750.81% 3,561.41% 1,246.84% 1,537.23% 2,045.76% 2,055.62% 1,619.49% 453.56%
Free Cash Flow to Firm to Interest Expense		 -2.22 17.84 -38.03 9.19 3.63 -5.30 43.13 -17.20 3.44 -0.60 1.43
Operating Cash Flow to Interest Expense		 10.67 12.02 13.76 12.52 7.63 8.60 15.57 9.29 2.19 1.25 1.57
Operating Cash Flow Less CapEx to Interest Expense		 9.57 10.92 12.98 11.81 7.41 7.91 14.56 8.84 2.09 1.17 1.22
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 3.57 3.79 4.40 4.68 4.14 3.61 3.80 4.23 3.90 4.18 3.80
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,544 1,446 2,121 2,127 2,200 2,475 2,104 2,689 2,463 2,762 2,696
Invested Capital Turnover		 0.25 0.29 0.29 0.27 0.27 0.26 0.27 0.28 0.25 0.29 0.30
Increase / (Decrease) in Invested Capital		 116 -98 675 6.25 73 275 -371 585 -226 299 -66
Enterprise Value (EV)		 1,548 2,304 2,530 2,746 3,344 1,725 1,823 4,077 3,260 4,044 3,413
Market Capitalization		 1,298 2,229 2,265 2,544 3,204 3,000 3,695 3,149 2,686 3,242 3,025
Book Value per Share		 $27.75 $27.00 $32.31 $33.48 $35.88 $39.30 $37.80 $28.88 $31.81 $33.54 $38.09
Tangible Book Value per Share		 $15.97 $16.16 $16.01 $17.71 $19.70 $23.49 $22.98 $12.08 $14.98 $16.39 $20.19
Total Capital		 1,544 1,446 2,121 2,127 2,200 2,475 2,042 2,689 2,463 2,762 2,696
Total Debt		 403 248 486 414 345 371 3.28 1,138 765 999 690
Total Long-Term Debt		 403 102 125 154 103 87 3.28 791 461 737 459
Net Debt		 250 75 265 202 140 -1,275 -1,872 928 574 802 388
Capital Expenditures (CapEx)		 12 12 11 13 5.69 14 13 10 11 15 67
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 403 248 486 414 345 371 66 1,138 765 999 690
Total Depreciation and Amortization (D&A)		 17 16 27 34 26 19 7.66 12 34 39 44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.21 $2.34 $3.07 $3.28 $3.26 $3.10 $3.51 $3.48 $2.45 $3.44 $3.98
Adjusted Weighted Average Basic Shares Outstanding		 43.88M 44.54M 50.80M 51.32M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M 52.72M
Adjusted Diluted Earnings per Share		 $2.19 $2.32 $3.03 $3.24 $3.23 $3.08 $3.48 $3.46 $2.45 $3.44 $3.97
Adjusted Weighted Average Diluted Shares Outstanding		 43.88M 44.54M 50.80M 51.32M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M 52.72M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 43.88M 44.54M 50.80M 51.32M 51.91M 53.68M 53.86M 53.77M 53.33M 52.71M 52.72M
Normalized Net Operating Profit after Tax (NOPAT)		 96 105 175 168 176 169 190 192 135 183 210
Normalized NOPAT Margin		 25.85% 24.44% 33.82% 29.53% 29.84% 28.25% 30.68% 28.23% 20.77% 24.50% 25.73%
Pre Tax Income Margin		 35.57% 35.99% 30.88% 37.42% 35.49% 34.53% 38.89% 35.37% 25.80% 31.72% 33.67%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 11.80 13.69 11.61 12.05 7.88 9.87 18.55 10.40 1.62 1.22 1.43
NOPAT to Interest Expense		 8.14 9.19 10.94 9.54 6.37 7.89 14.58 8.14 1.27 0.94 1.09
EBIT Less CapEx to Interest Expense		 10.70 12.59 10.82 11.33 7.67 9.18 17.54 9.95 1.51 1.14 1.08
NOPAT Less CapEx to Interest Expense		 7.04 8.09 10.15 8.82 6.15 7.20 13.57 7.69 1.16 0.86 0.75
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 54.01% 53.03% 41.34% 42.39% 47.46% 52.91% 48.00% 49.65% 72.09% 52.49% 46.36%
Augmented Payout Ratio		 64.01% 56.37% 43.53% 42.57% 47.63% 53.08% 50.69% 58.49% 95.01% 77.71% 51.66%

Quarterly Metrics And Ratios for Community Financial System

This table displays calculated financial ratios and metrics derived from Community Financial System's official financial filings.

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 52,661,489.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 52,661,489.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.03
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.80% -0.15% 0.59% 42.36% 4.87% 7.74% 10.92% 10.70% 8.41% 9.59% 9.76%
EBITDA Growth		 30.89% -0.44% -25.02% 324.12% 2.85% 2.38% 42.75% 19.75% 6.66% 26.80% 11.37%
EBIT Growth		 21.07% -10.27% -34.93% 660.69% 1.01% 1.86% 47.37% 21.16% 6.35% 28.30% 11.43%
NOPAT Growth		 21.32% -9.37% -35.83% 604.93% -0.78% -0.52% 47.73% 21.39% 7.13% 25.48% 9.30%
Net Income Growth		 21.32% -9.37% -35.83% 604.93% -0.78% -0.52% 47.73% 21.39% 7.13% 25.48% 9.30%
EPS Growth		 21.92% -8.89% -35.05% 590.91% 2.25% 1.22% 49.21% 22.37% 6.59% 25.30% 9.57%
Operating Cash Flow Growth		 -11.70% 47.00% -37.53% 3.26% -4.09% -12.33% 47.05% -21.76% 34.94% 77.79% 28.65%
Free Cash Flow Firm Growth		 -124.31% -141.52% 148.80% -290.36% -467.60% -141.98% -195.66% -8.11% 72.61% 117.67% 148.30%
Invested Capital Growth		 6.48% 12.55% -8.42% 16.14% 23.79% 24.13% 12.12% 15.25% 6.73% -1.14% -2.38%
Revenue Q/Q Growth		 40.75% 0.06% 0.90% 0.18% 3.68% 2.80% 3.89% -0.02% 1.53% 3.91% 4.06%
EBITDA Q/Q Growth		 375.85% -7.08% -18.49% 17.68% 15.39% -7.50% 13.65% -1.28% 2.77% 9.97% -0.18%
EBIT Q/Q Growth		 781.59% -8.92% -21.78% 21.12% 17.06% -8.15% 13.17% -0.42% 2.75% 10.80% -1.71%
NOPAT Q/Q Growth		 732.89% -8.62% -23.62% 21.26% 17.23% -8.38% 13.42% -0.36% 3.46% 7.32% -1.21%
Net Income Q/Q Growth		 732.89% -8.62% -23.62% 21.26% 17.23% -8.38% 13.42% -0.36% 3.46% 7.32% -1.21%
EPS Q/Q Growth		 709.09% -7.87% -23.17% 20.63% 19.74% -8.79% 13.25% -1.06% 4.30% 7.22% -0.96%
Operating Cash Flow Q/Q Growth		 -46.39% 56.35% -31.07% 78.71% -50.20% 42.91% 15.62% -4.91% -14.11% 88.29% -16.33%
Free Cash Flow Firm Q/Q Growth		 -153.38% -152.80% 229.10% -209.26% -59.17% -7.77% 48.96% -23.48% 59.68% 169.55% 39.47%
Invested Capital Q/Q Growth		 4.36% 4.75% 11.86% -5.03% 11.24% 5.03% 1.04% -2.38% 3.02% -2.71% -0.23%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 39.87% 37.02% 29.91% 35.13% 39.10% 35.18% 38.49% 38.01% 38.47% 40.71% 39.06%
EBIT Margin		 35.07% 31.93% 24.75% 29.92% 33.78% 30.18% 32.88% 32.75% 33.14% 35.34% 33.38%
Profit (Net Income) Margin		 27.55% 25.16% 19.05% 23.06% 26.07% 23.24% 25.37% 25.28% 25.76% 26.61% 25.26%
Tax Burden Percent		 78.56% 78.82% 76.96% 77.05% 77.17% 76.98% 77.15% 77.20% 77.73% 75.29% 75.67%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.44% 21.18% 23.04% 22.95% 22.83% 23.02% 22.85% 22.80% 22.27% 24.71% 24.33%
Return on Invested Capital (ROIC)		 8.81% 7.88% 4.82% 7.47% 7.91% 6.85% 7.25% 7.68% 7.48% 7.82% 7.57%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.81% 7.88% 4.82% 7.47% 7.91% 6.85% 7.25% 7.68% 7.48% 7.82% 7.57%
Return on Net Nonoperating Assets (RNNOA)		 2.14% 2.98% 2.82% 2.41% 3.41% 3.27% 3.69% 3.40% 3.84% 3.59% 3.39%
Return on Equity (ROE)		 10.95% 10.86% 7.64% 9.88% 11.31% 10.11% 10.94% 11.08% 11.32% 11.41% 10.96%
Cash Return on Invested Capital (CROIC)		 1.34% -4.56% 13.91% -7.26% -14.18% -14.79% -4.44% -6.58% 0.72% 8.72% 10.12%
Operating Return on Assets (OROA)		 1.49% 1.34% 1.03% 1.36% 1.55% 1.38% 1.54% 1.54% 1.59% 1.69% 1.62%
Return on Assets (ROA)		 1.17% 1.06% 0.79% 1.04% 1.20% 1.06% 1.19% 1.19% 1.24% 1.27% 1.23%
Return on Common Equity (ROCE)		 10.95% 10.86% 7.64% 9.88% 11.31% 10.11% 10.94% 11.08% 11.32% 11.41% 10.96%
Return on Equity Simple (ROE_SIMPLE)		 9.60% 9.69% 0.00% 10.08% 9.98% 9.32% 0.00% 10.43% 10.34% 10.62% 0.00%
Net Operating Profit after Tax (NOPAT)		 48 44 34 41 48 44 50 50 51 55 54
NOPAT Margin		 27.55% 25.16% 19.05% 23.06% 26.07% 23.24% 25.37% 25.28% 25.76% 26.61% 25.26%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 55.54% 57.68% 56.87% 57.44% 56.35% 57.62% 55.06% 55.23% 55.81% 53.93% 53.94%
Operating Expenses to Revenue		 64.50% 66.43% 72.95% 66.61% 64.74% 65.74% 63.96% 63.84% 64.79% 61.97% 64.31%
Earnings before Interest and Taxes (EBIT)		 61 56 44 53 62 57 65 64 66 73 72
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 70 65 53 62 72 66 76 75 77 84 84
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.50 1.40 1.58 1.53 1.49 1.71 1.84 1.63 1.60 1.60 1.51
Price to Tangible Book Value (P/TBV)		 3.38 3.33 3.36 3.37 3.26 3.45 3.76 3.21 3.05 2.98 2.84
Price to Revenue (P/Rev)		 3.72 3.34 4.12 3.60 3.49 4.20 4.34 3.92 3.85 3.88 3.70
Price to Earnings (P/E)		 15.59 14.44 20.36 15.18 14.95 18.34 17.77 15.67 15.44 15.06 14.37
Dividend Yield		 3.91% 4.35% 3.54% 3.77% 3.81% 3.12% 2.95% 3.22% 3.24% 3.15% 3.24%
Earnings Yield		 6.41% 6.93% 4.91% 6.59% 6.69% 5.45% 5.63% 6.38% 6.48% 6.64% 6.96%
Enterprise Value to Invested Capital (EV/IC)		 1.28 1.08 1.32 1.23 1.24 1.34 1.46 1.24 1.32 1.34 1.27
Enterprise Value to Revenue (EV/Rev)		 4.12 3.64 5.00 4.08 4.52 5.03 5.42 4.37 4.69 4.53 4.17
Enterprise Value to EBITDA (EV/EBITDA)		 12.18 10.76 16.10 11.52 12.79 14.41 14.64 11.58 12.49 11.63 10.68
Enterprise Value to EBIT (EV/EBIT)		 13.54 12.35 19.38 13.43 14.99 16.92 17.08 13.48 14.54 13.50 12.39
Enterprise Value to NOPAT (EV/NOPAT)		 17.28 15.71 24.71 17.24 19.34 21.96 22.16 17.47 18.82 17.58 16.22
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.44 9.28 14.27 12.47 14.05 16.51 16.69 14.86 15.34 12.78 11.31
Enterprise Value to Free Cash Flow (EV/FCFF)		 98.16 0.00 9.10 0.00 0.00 0.00 0.00 0.00 188.40 15.27 12.36
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.30 0.42 0.45 0.41 0.56 0.53 0.57 0.47 0.48 0.39 0.34
Long-Term Debt to Equity		 0.16 0.20 0.27 0.24 0.43 0.35 0.42 0.32 0.38 0.28 0.23
Financial Leverage		 0.24 0.38 0.59 0.32 0.43 0.48 0.51 0.44 0.51 0.46 0.45
Leverage Ratio		 9.33 10.27 9.66 9.45 9.43 9.52 9.23 9.34 9.17 8.96 8.94
Compound Leverage Factor		 9.33 10.27 9.66 9.45 9.43 9.52 9.23 9.34 9.17 8.96 8.94
Debt to Total Capital		 23.06% 29.39% 31.07% 29.17% 35.82% 34.70% 36.17% 31.97% 32.20% 28.25% 25.59%
Short-Term Debt to Total Capital		 11.11% 15.00% 12.37% 12.28% 8.28% 11.61% 9.47% 9.89% 6.50% 8.30% 8.57%
Long-Term Debt to Total Capital		 11.95% 14.39% 18.70% 16.89% 27.54% 23.08% 26.70% 22.09% 25.70% 19.95% 17.02%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 76.94% 70.61% 68.93% 70.83% 64.18% 65.30% 63.83% 68.03% 67.80% 71.75% 74.41%
Debt to EBITDA		 2.20 2.94 3.78 2.73 3.70 3.74 3.62 2.99 3.05 2.45 2.16
Net Debt to EBITDA		 1.19 0.87 2.84 1.38 2.90 2.38 2.90 1.19 2.24 1.67 1.21
Long-Term Debt to EBITDA		 1.14 1.44 2.28 1.58 2.84 2.49 2.67 2.06 2.43 1.73 1.44
Debt to NOPAT		 3.12 4.29 5.80 4.09 5.59 5.70 5.47 4.51 4.60 3.71 3.28
Net Debt to NOPAT		 1.69 1.27 4.35 2.06 4.39 3.62 4.39 1.80 3.38 2.52 1.84
Long-Term Debt to NOPAT		 1.62 2.10 3.49 2.37 4.30 3.79 4.04 3.11 3.67 2.62 2.18
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -80 -201 260 -284 -452 -487 -249 -307 -124 86 120
Operating Cash Flow to CapEx		 30,059.42% 1,198.19% 1,430.59% 5,948.85% 712.39% 1,628.24% 1,447.97% 649.24% 321.33% 581.46% 370.41%
Free Cash Flow to Firm to Interest Expense		 -3.57 -6.77 7.00 -6.22 -9.50 -9.53 -4.98 -6.48 -2.57 1.75 2.50
Operating Cash Flow to Interest Expense		 1.86 2.18 1.20 1.75 0.84 1.11 1.32 1.32 1.12 2.06 1.76
Operating Cash Flow Less CapEx to Interest Expense		 1.85 2.00 1.12 1.72 0.72 1.04 1.23 1.11 0.77 1.70 1.29
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 3.98 3.87 3.90 4.28 4.24 4.12 4.18 4.24 4.12 4.09 3.80
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,102 2,202 2,463 2,339 2,602 2,733 2,762 2,696 2,778 2,702 2,696
Invested Capital Turnover		 0.32 0.31 0.25 0.32 0.30 0.29 0.29 0.30 0.29 0.29 0.30
Increase / (Decrease) in Invested Capital		 128 246 -226 325 500 531 299 357 175 -31 -66
Enterprise Value (EV)		 2,683 2,368 3,260 2,879 3,222 3,654 4,044 3,341 3,663 3,618 3,413
Market Capitalization		 2,421 2,177 2,686 2,535 2,491 3,051 3,242 2,997 3,006 3,100 3,025
Book Value per Share		 $30.10 $29.05 $31.81 $31.07 $31.65 $33.97 $33.54 $34.79 $35.63 $36.68 $38.09
Tangible Book Value per Share		 $13.32 $12.21 $14.98 $14.11 $14.49 $16.83 $16.39 $17.71 $18.63 $19.66 $20.19
Total Capital		 2,102 2,202 2,463 2,339 2,602 2,733 2,762 2,696 2,778 2,702 2,696
Total Debt		 485 647 765 682 932 948 999 862 894 763 690
Total Long-Term Debt		 251 317 461 395 717 631 737 595 714 539 459
Net Debt		 262 191 574 344 731 602 802 344 657 518 388
Capital Expenditures (CapEx)		 0.14 5.41 3.13 1.34 5.59 3.49 4.54 9.63 17 17 23
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 485 647 765 682 932 948 999 862 894 763 690
Total Depreciation and Amortization (D&A)		 8.41 8.94 9.13 9.24 9.78 9.45 11 10 11 11 12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.90 $0.82 $0.62 $0.77 $0.91 $0.83 $0.93 $0.94 $0.97 $1.04 $1.03
Adjusted Weighted Average Basic Shares Outstanding		 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M 52.85M 52.86M 52.66M 52.72M
Adjusted Diluted Earnings per Share		 $0.89 $0.82 $0.63 $0.76 $0.91 $0.83 $0.94 $0.93 $0.97 $1.04 $1.03
Adjusted Weighted Average Diluted Shares Outstanding		 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M 52.85M 52.86M 52.66M 52.72M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 53.53M 53.39M 53.33M 52.77M 52.54M 52.56M 52.71M 52.85M 52.86M 52.66M 52.72M
Normalized Net Operating Profit after Tax (NOPAT)		 49 44 36 41 48 44 50 50 51 55 54
Normalized NOPAT Margin		 28.00% 25.20% 20.51% 23.07% 26.11% 23.20% 25.53% 25.28% 25.76% 26.61% 25.26%
Pre Tax Income Margin		 35.07% 31.93% 24.75% 29.92% 33.78% 30.18% 32.88% 32.75% 33.14% 35.34% 33.38%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.75 1.88 1.18 1.16 1.30 1.11 1.29 1.35 1.37 1.49 1.50
NOPAT to Interest Expense		 2.16 1.48 0.91 0.90 1.01 0.86 1.00 1.05 1.07 1.12 1.13
EBIT Less CapEx to Interest Expense		 2.74 1.70 1.10 1.13 1.19 1.05 1.20 1.15 1.02 1.14 1.02
NOPAT Less CapEx to Interest Expense		 2.16 1.30 0.82 0.87 0.89 0.79 0.91 0.84 0.72 0.77 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 60.77% 62.86% 72.09% 57.14% 57.33% 57.49% 52.49% 50.21% 49.54% 47.12% 46.36%
Augmented Payout Ratio		 74.16% 80.04% 95.01% 89.35% 90.63% 87.77% 77.71% 56.26% 49.64% 52.55% 51.66%

Financials Breakdown Chart

Key Financial Trends

Here is a concise, investor-focused summary of Community Financial System, Inc. (NYSE: CBU) using the latest four years of quarterly data. The highlights below focus on trends in revenue, earnings, balance-sheet strength, and cash flow, with a view toward potential catalysts or risks for investors.

  • Net income momentum: Net income attributable to common shareholders rose to $54.42 million in Q4 2025, up from $52.53 million in Q4 2024, signaling improving earnings momentum.
  • Top-line growth: Total revenue increased to $215.45 million in Q4 2025 from $196.29 million in Q4 2024, indicating stronger overall sales activity and growth drivers.
  • Net interest income growth: Net interest income rose to $133.43 million in Q4 2025 from $119.97 million in Q4 2024, reflecting healthier net interest momentum.
  • Non-interest income growth: Non-interest income increased to $82.03 million in Q4 2025 from $76.31 million in Q4 2024, supporting diversification of revenue sources.
  • Balance-sheet expansion: Total assets grew to about $16.96 billion in Q3 2025, up from about $16.67 billion in Q3 2024, indicating favorable asset growth trends.
  • Capital strength: Total common equity rose to about $1.939 billion in Q4 2025 from about $1.531 billion in Q4 2024, strengthening the bank’s capital base.
  • Funding dynamics: Deposit flows were volatile, with net deposits changing +$355.1 million in Q3 2025 but -$213.5 million in Q4 2025, signaling evolving funding dynamics.
  • Credit quality signals: Provision for credit losses remained modest and fluctuated within a narrow range (roughly $4.98 million to $7.0 million across 2025 quarters), suggesting stable credit quality buffers.
  • Cost pressure: Total non-interest expense rose to about $138.55 million in Q4 2025 from about $125.54 million in Q4 2024, highlighting higher operating costs.
  • Cash flow stress in Q4 2025: Net change in cash and equivalents declined by roughly $56.5 million, and net cash from financing activities swung negative (about $311.8 million), signaling liquidity and funding dynamics that may warrant close monitoring.
05/12/26 12:01 PM ETAI Generated. May Contain Errors.

Community Financial System Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Community Financial System's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Community Financial System's net income appears to be on an upward trend, with a most recent value of $210.46 million in 2025, rising from $91.23 million in 2015. The previous period was $182.48 million in 2024. See Community Financial System's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Community Financial System's total revenue changed from $371.72 million in 2015 to $818.01 million in 2025, a change of 120.1%.

Community Financial System's total liabilities were at $15.30 billion at the end of 2025, a 4.6% increase from 2024, and a 106.4% increase since 2015.

In the past 10 years, Community Financial System's cash and equivalents has ranged from $153.21 million in 2015 to $1.88 billion in 2021, and is currently $301.76 million as of their latest financial filing in 2025.

Over the last 10 years, Community Financial System's book value per share changed from 27.75 in 2015 to 38.09 in 2025, a change of 37.3%.


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Financial statements for NYSE:CBU last updated on 3/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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