CBU
COMMUNITY FINANCIAL SYSTEM, INC.
NYSE · Financial Services · Banks - Regional · US
$63.37
+0.96%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 1.1B | 1.0B | 940.7M | 756.0M | 702.5M |
| Cost of Revenue | 204.0M | 214.1M | 217.2M | 115.3M | 37.9M |
| Gross Profit | 858.7M | 796.9M | 723.5M | 640.7M | 664.6M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 287.9M | 329.1M | 316.8M | 297.5M | 270.4M |
| General & Admin Expense | 279.4M | 313.9M | 300.8M | 281.8M | 257.3M |
| Selling & Marketing Expense | 8.5M | 15.1M | 16.1M | 15.7M | 13.1M |
| Other Expenses | 262.7M | 192.5M | 170.0M | 174.9M | 153.8M |
| Total Operating Expenses | 550.6M | 521.5M | 486.8M | 472.4M | 424.3M |
| Cost and Expenses | 754.6M | 735.6M | 704.0M | 587.7M | 462.1M |
| Operating Income (EBIT) | 308.1M | 275.4M | 236.7M | 168.2M | 240.3M |
| Non-Operating | |||||
| Interest Income | 734.1M | 699.3M | 643.5M | 541.4M | 443.7M |
| Interest Expense | 183.2M | 192.7M | 194.4M | 104.1M | 23.1M |
| Net Interest Income | 550.8M | 506.6M | 449.1M | 437.3M | 420.6M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 308.1M | 275.4M | 236.7M | 168.2M | 240.3M |
| Income Tax Expense | 73.8M | 64.9M | 54.2M | 36.3M | 52.2M |
| Bottom Line | |||||
| Net Income | 234.3M | 210.5M | 182.5M | 131.9M | 188.1M |
| Earnings from Cont. Ops | 234.3M | 210.5M | 182.5M | 131.9M | 188.1M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 234.1M | 209.6M | 181.7M | 131.5M | 187.5M |
| Per Share | |||||
| Basic EPS | $4.43 | $3.98 | $3.44 | $2.45 | $3.48 |
| Diluted EPS | $4.43 | $3.97 | $3.44 | $2.45 | $3.46 |
| Revenue Per Share | $20.11 | $19.18 | $17.83 | $14.10 | $13.03 |
| Shares | |||||
| Basic Shares Outstanding | 52.8M | 52.7M | 52.8M | 53.6M | 53.9M |
| Diluted Shares Outstanding | 52.9M | 52.8M | 52.9M | 53.7M | 54.2M |
| Profitability Metrics | |||||
| EBITDA | 336.4M | 305.6M | 265.4M | 196.6M | 270.7M |
| D&A | 28.3M | 30.2M | 28.7M | 28.4M | 30.4M |
| EBIT | 308.1M | 275.4M | 236.7M | 168.2M | 240.3M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026