COMMUNITY FINANCIAL SYSTEM, INC. CBU
NYSE · XNYS · stock · National Commercial Banks
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6/9
Piotroski F — financial health
—
Altman Z″ — distress risk
46.4%
Dividend payout · moderate
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $818.0M | $210.5M | — | $233.3M | $2.0B |
| 2024 | $746.3M | $182.5M | — | $221.6M | $1.8B |
| 2023 | $652.1M | $131.9M | — | $209.8M | $1.7B |
| 2022 | $679.4M | $188.1M | — | $201.7M | $1.6B |
| 2021 | — | $189.7M | — | $189.2M | $2.1B |
| 2020 | — | $164.7M | — | $164.7M | $2.1B |
Why these scores methodology →
Piotroski F-score: 6/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000723188 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.