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Stocks · Financials · National Commercial Banks

COMMUNITY FINANCIAL SYSTEM, INC.

CBU Clue Score66
United States Fiscal year ends December CIK 0000723188
$58.63 -0.80% Close, 9 Oct 2026
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Price $58.63 −17.24% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.10EPS, diluted2.32Fiscal year 2017Net income0.15 +45.2%EPS, diluted3.03 +30.6%Fiscal year 2018Net income0.17 +11.9%EPS, diluted3.24 +6.9%Fiscal year 2019Net income0.17 +0.3%EPS, diluted3.23 −0.3%Fiscal year 2020Net income0.16 −2.6%EPS, diluted3.08 −4.6%Fiscal year 2021Net income0.19 +15.2%EPS, diluted3.48 +13.0%Fiscal year 2022Revenue0.68Net income0.19 −0.9%EPS, diluted3.46 −0.6%Fiscal year 2023Revenue0.65 −4.0%Net income0.13 −29.9%EPS, diluted2.45 −29.2%Fiscal year 2024Revenue0.75 +14.4%Net income0.18 +38.3%EPS, diluted3.44 +40.4%Fiscal year 2025Revenue0.82 +9.6%Net income0.21 +15.3%EPS, diluted3.97 +15.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a n/a n/a n/a 0.68 0.65 0.75 0.82
Growth −4.0% +14.4% +9.6%
Net income 0.10 0.15 0.17 0.17 0.16 0.19 0.19 0.13 0.18 0.21
Growth +45.2% +11.9% +0.3% −2.6% +15.2% −0.9% −29.9% +38.3% +15.3%
EPS, diluted 2.32 3.03 3.24 3.23 3.08 3.48 3.46 2.45 3.44 3.97
Growth +30.6% +6.9% −0.3% −4.6% +13.0% −0.6% −29.2% +40.4% +15.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Net margin27.7%Free cash flow margin29.7%Fiscal year 2023Net margin20.2%Free cash flow margin32.2%Fiscal year 2024Net margin24.5%Free cash flow margin29.7%Fiscal year 2025Net margin25.7%Free cash flow margin28.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a n/a n/a n/a n/a 27.7% 20.2% 24.5% 25.7%
Free cash flow margin n/a n/a n/a n/a n/a n/a 29.7% 32.2% 29.7% 28.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.14Capital expenditure−0.01Free cash flow0.12Buybacks−0.00Dividends paid−0.06Fiscal year 2017Operating cash flow0.19Capital expenditure−0.01Free cash flow0.18 +45.0%Buybacks−0.00Dividends paid−0.06Fiscal year 2018Operating cash flow0.22Capital expenditure−0.01Free cash flow0.21 +16.7%Buybacks−0.00Dividends paid−0.07Fiscal year 2019Operating cash flow0.20Capital expenditure−0.01Free cash flow0.20 −5.7%Buybacks−0.00Dividends paid−0.08Fiscal year 2020Operating cash flow0.18Capital expenditure−0.01Free cash flow0.16 −16.3%Buybacks−0.00Dividends paid−0.09Fiscal year 2021Operating cash flow0.20Capital expenditure−0.01Free cash flow0.19 +14.9%Buybacks−0.01Dividends paid−0.09Fiscal year 2022Operating cash flow0.21Capital expenditure−0.01Free cash flow0.20 +6.6%Buybacks−0.02Dividends paid−0.09Fiscal year 2023Operating cash flow0.23Capital expenditure−0.02Free cash flow0.21 +4.0%Buybacks−0.03Dividends paid−0.10Fiscal year 2024Operating cash flow0.24Capital expenditure−0.02Free cash flow0.22 +5.6%Buybacks−0.05Dividends paid−0.10Fiscal year 2025Operating cash flow0.30Capital expenditure−0.07Free cash flow0.23 +5.3%Buybacks−0.01Dividends paid−0.10
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.14 0.19 0.22 0.20 0.18 0.20 0.21 0.23 0.24 0.30
Capital expenditure −0.01 −0.01 −0.01 −0.01 −0.01 −0.01 −0.01 −0.02 −0.02 −0.07
Free cash flow 0.12 0.18 0.21 0.20 0.16 0.19 0.20 0.21 0.22 0.23
Growth +45.0% +16.7% −5.7% −16.3% +14.9% +6.6% +4.0% +5.6% +5.3%
Buybacks −0.00 −0.00 −0.00 −0.00 −0.00 −0.01 −0.02 −0.03 −0.05 −0.01
Dividends paid −0.06 −0.06 −0.07 −0.08 −0.09 −0.09 −0.09 −0.10 −0.10 −0.10

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.17Shareholders’ equity1.20Fiscal year 2017Cash0.22Shareholders’ equity1.64Fiscal year 2018Cash0.21Shareholders’ equity1.71Fiscal year 2019Cash0.21Shareholders’ equity1.86Fiscal year 2020Cash1.65Shareholders’ equity2.10Fiscal year 2021Cash1.88Shareholders’ equity2.10Fiscal year 2022Cash0.21Shareholders’ equity1.55Fiscal year 2023Cash0.19Shareholders’ equity1.70Fiscal year 2024Cash0.20Total debt0.99Net cash (debt)−0.79Shareholders’ equity1.76Debt to equity0.56Fiscal year 2025Cash0.30Shareholders’ equity2.01
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.17 0.22 0.21 0.21 1.65 1.88 0.21 0.19 0.20 0.30
Total debt n/a n/a n/a n/a n/a n/a n/a n/a 0.99 n/a
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a n/a −0.79 n/a
Shareholders’ equity 1.20 1.64 1.71 1.86 2.10 2.10 1.55 1.70 1.76 2.01
Debt to equity n/a n/a n/a n/a n/a n/a n/a n/a 0.56 n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a n/a 35.4% 25.8% 31.7% 33.7%
n/a n/a n/a n/a n/a n/a 27.7% 20.2% 24.5% 25.7%
n/a n/a n/a n/a n/a n/a 29.7% 32.2% 29.7% 28.5%
Spending
n/a n/a n/a n/a n/a n/a 1.9% 2.8% 2.8% 8.4%
32.8% 5.8% 20.8% 19.2% 20.1% 21.4% 21.7% 21.6% 22.9% 23.6%
Returns
8.7% 9.2% 9.8% 9.1% 7.8% 9.0% 12.1% 7.8% 10.4% 10.5%
1.2% 1.4% 1.6% 1.5% 1.2% 1.2% 1.2% 0.8% 1.1% 1.2%
Balance and payout
n/a n/a n/a n/a n/a n/a n/a n/a 0.56 n/a
86.2% 84.8% 83.8% 83.7% 84.9% 86.5% 90.2% 89.1% 89.2% 88.4%
53.0% 41.3% 42.4% 47.5% 52.9% 48.0% 49.7% 72.1% 52.5% 46.4%
47.4% 36.7% 34.4% 40.9% 53.1% 50.8% 54.5% 59.6% 63.9% 46.6%