Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
59.99
-1.08 (-1.77%)
Mar 5, 2026, 4:00 PM EST - Market closed
CBU Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 596.72 | 545.77 | 445.17 | 335.08 | 308.36 | Upgrade
|
| Interest Income on Investments | 102.56 | 97.76 | 96.22 | 108.65 | 79.07 | Upgrade
|
| Total Interest Income | 699.28 | 643.53 | 541.39 | 443.73 | 387.42 | Upgrade
|
| Interest Paid on Deposits | 162.2 | 159.52 | 85.34 | 15.04 | 11.63 | Upgrade
|
| Interest Paid on Borrowings | 30.53 | 34.89 | 18.77 | 8.06 | 1.38 | Upgrade
|
| Total Interest Expense | 192.73 | 194.41 | 104.1 | 23.1 | 13.01 | Upgrade
|
| Net Interest Income | 506.55 | 449.12 | 437.29 | 420.63 | 374.41 | Upgrade
|
| Net Interest Income Growth (YoY) | 12.79% | 2.71% | 3.96% | 12.34% | 1.63% | Upgrade
|
| Trust Income | 37.07 | 36.67 | 31.94 | 31.67 | 33.24 | Upgrade
|
| Mortgage Banking Activities | 3.54 | 4.42 | 0.6 | 0.39 | 1.77 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.38 | 0.74 | -52.38 | -0.04 | 0.02 | Upgrade
|
| Gain (Loss) on Sale of Equity Investments | -0.29 | - | - | - | - | Upgrade
|
| Other Non-Interest Income | 211.4 | 197.07 | 179.74 | 159.86 | 151.99 | Upgrade
|
| Total Non-Interest Income | 311.46 | 297.19 | 214.59 | 258.73 | 246.24 | Upgrade
|
| Non-Interest Income Growth (YoY) | 4.80% | 38.49% | -17.06% | 5.07% | 8.00% | Upgrade
|
| Revenues Before Loan Losses | 818.01 | 746.3 | 651.88 | 679.36 | 620.65 | Upgrade
|
| Provision for Loan Losses | 21.35 | 22.77 | 11.2 | 14.77 | -8.84 | Upgrade
|
| Revenue | 796.66 | 723.53 | 640.67 | 664.58 | 629.49 | Upgrade
|
| Revenue Growth (YoY) | 10.11% | 12.93% | -3.60% | 5.58% | 8.12% | Upgrade
|
| Salaries and Employee Benefits | 294.92 | 283.88 | 266 | 243.14 | 228.8 | Upgrade
|
| Occupancy Expenses | 36.69 | 32.45 | 33.06 | 33.67 | 32.65 | Upgrade
|
| Amortization of Goodwill & Intangibles | 13.85 | 14.26 | 14.51 | 15.21 | 14.05 | Upgrade
|
| Selling, General & Administrative | 133.76 | 121.34 | 114.53 | 104.15 | 93.34 | Upgrade
|
| Other Non-Interest Expense | 41.86 | 34.7 | 43.08 | 23.37 | 18.5 | Upgrade
|
| Total Non-Interest Expense | 521.06 | 486.63 | 471.19 | 419.55 | 387.34 | Upgrade
|
| EBT Excluding Unusual Items | 275.59 | 236.91 | 169.49 | 245.04 | 242.15 | Upgrade
|
| Legal Settlements | - | - | - | - | 0.1 | Upgrade
|
| Other Unusual Items | -0.2 | -0.2 | -1.26 | 0.3 | -0.2 | Upgrade
|
| Pretax Income | 275.39 | 236.71 | 168.23 | 240.31 | 241.35 | Upgrade
|
| Income Tax Expense | 64.94 | 54.22 | 36.31 | 52.23 | 51.65 | Upgrade
|
| Net Income | 210.46 | 182.48 | 131.92 | 188.08 | 189.69 | Upgrade
|
| Preferred Dividends & Other Adjustments | -0.87 | -0.74 | -0.45 | 0.53 | 0.45 | Upgrade
|
| Net Income to Common | 211.33 | 183.22 | 132.37 | 187.55 | 189.25 | Upgrade
|
| Net Income Growth | 15.33% | 38.32% | -29.86% | -0.85% | 15.19% | Upgrade
|
| Basic Shares Outstanding | 53 | 53 | 54 | 54 | 54 | Upgrade
|
| Diluted Shares Outstanding | 53 | 53 | 54 | 54 | 54 | Upgrade
|
| Shares Change (YoY) | -0.12% | -1.57% | -0.89% | -0.35% | 2.02% | Upgrade
|
| EPS (Basic) | 4.01 | 3.47 | 2.47 | 3.48 | 3.51 | Upgrade
|
| EPS (Diluted) | 3.97 | 3.44 | 2.45 | 3.46 | 3.48 | Upgrade
|
| EPS Growth | 15.41% | 40.41% | -29.19% | -0.57% | 12.99% | Upgrade
|
| Dividend Per Share | 1.860 | 1.820 | 1.780 | 1.740 | 1.700 | Upgrade
|
| Dividend Growth | 2.20% | 2.25% | 2.30% | 2.35% | 2.41% | Upgrade
|
| Effective Tax Rate | 23.58% | 22.91% | 21.58% | 21.73% | 21.40% | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.