Community Financial System (CBU) Financial Statements & Analysis

Community Financial System (CBU) Income Statement

Community Financial System reported revenue of $796.66M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 6.7% from $746.30M a year earlier. Net income was $210.46M, up 15.3% year over year, a net margin of 26.4%. Gross margin was 100.0% and operating margin 34.6%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $268.36M, up 34.7% from the same quarter a year earlier.

Community Financial System Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Community Financial System, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	796.66	746.30	651.88	679.36	633.66	617.28	616.35	587.11	531.88
Cost of Revenue	214.08	217.18	115.31	37.87	4.17	35.09	34.98	28.52	24.76
Gross Profit	796.94	723.53	640.67	664.58	629.49	582.19	581.36	558.60	507.11
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	151.44	316.84	297.53	270.43	250.82	237.85	272.74	255.84	234.48
Operating Expenses	521.55	486.83	472.44	424.27	388.14	376.11	372.03	345.61	347.15
Operating Income	275.39	236.71	168.23	240.31	241.35	206.08	209.34	212.99	159.97
Other Income/Expense
Interest Income	699.28	643.53	541.39	443.73	387.42	389.28	385.73	362.73	329.46
Interest Expense	192.73	194.41	104.10	23.10	13.01	20.88	26.55	17.68	13.78
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	275.39	236.71	168.23	240.31	241.35	206.08	209.34	212.99	159.97
Income Tax Expense	64.94	54.22	36.31	52.23	51.65	41.40	40.28	44.35	9.25
Net Income	210.46	182.48	131.92	188.08	189.69	164.68	169.06	168.64	150.72
Net Income - Continuous Operations	210.46	182.48	131.92	188.08	189.69	164.68	169.06	168.64	150.72
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	29.42	265.36	196.58	29.63	271.51	236.72	241.56	247.34	193.43
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	13.85	14.26	14.51	15.21	30.16	30.64	32.23	34.35	33.46
Earnings Per Share
Basic EPS	4.00	3.00	3.00	3.00	4.00	3.00	3.00	3.00	3.00
Diluted EPS	4.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00	3.00
Basic Shares Outstanding	52.70	53.05	53.74	54.05	53.98	52.97	51.73	51.17	49.09
Diluted Shares Outstanding	52.82	53.05	53.95	54.36	54.40	53.32	52.25	51.75	49.74

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Community Financial System Financial Statements

What was Community Financial System's revenue in fiscal 2025?

Community Financial System reported revenue of $796.66M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 6.7% from $746.30M a year earlier.

Is Community Financial System profitable?

Yes. Community Financial System earned net income of $210.46M in fiscal 2025, a net margin of 26.4%. In fiscal 2024 it earned $182.48M.

What is Community Financial System's operating margin?

Community Financial System's operating income was $275.39M on revenue of $796.66M in fiscal 2025, an operating margin of 34.6%, compared with 31.7% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition