Stocktoria
COMMUNITY FINANCIAL SYSTEM, INC. CBU
COMMUNITY FINANCIAL SYSTEM, INC. financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $818.0M | $746.3M | $652.1M | $679.4M | — | — | — | — | — | — |
| Interest expense | $192.7M | $194.4M | $104.1M | $23.1M | $13.0M | $20.9M | $26.6M | $17.7M | $13.8M | $11.3M |
| Income tax | $64.9M | $54.2M | $36.3M | $52.2M | $51.7M | $41.4M | $40.3M | $44.3M | $9.2M | $50.8M |
| Net income | $210.5M | $182.5M | $131.9M | $188.1M | $189.7M | $164.7M | $169.1M | $168.6M | $150.7M | $103.8M |
| EPS (diluted) | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 | $3.08 | $3.23 | $3.24 | $3.03 | $2.32 |
| Operating cash flow | $301.9M | $242.3M | $228.4M | $214.6M | $202.5M | $179.5M | $202.5M | $221.4M | $189.7M | $135.8M |
| Free cash flow | $233.3M | $221.6M | $209.8M | $201.7M | $189.2M | $164.7M | $196.8M | $208.8M | $178.9M | $123.3M |
| Cash & equivalents | $301.8M | $197.0M | $191.0M | $209.9M | $1.9B | $1.6B | $205.0M | $211.8M | $221.0M | $173.9M |
| Total assets | $17.3B | $16.4B | $15.6B | $15.8B | $15.6B | $13.9B | $11.4B | $10.6B | $10.7B | $8.7B |
| Total liabilities | $15.3B | $14.6B | $13.9B | $14.3B | $13.5B | $11.8B | $9.6B | $8.9B | $9.1B | $7.5B |
| Shareholders' equity | $2.0B | $1.8B | $1.7B | $1.6B | $2.1B | $2.1B | $1.9B | $1.7B | $1.6B | $1.2B |
Growth · year-over-year · Revenue CAGR 6.4%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +9.6% | +14.4% | -4.0% | — | — | — | — | — | — | — |
| Net income growth | +15.3% | +38.3% | -29.9% | -0.9% | +15.2% | -2.6% | +0.3% | +11.9% | +45.2% | +13.8% |
| EPS growth | +15.4% | +40.4% | -29.2% | -0.6% | +13.0% | -4.6% | -0.3% | +6.9% | +30.6% | +5.9% |
| Free cash flow growth | +5.3% | +5.6% | +4.0% | +6.6% | +14.9% | -16.3% | -5.7% | +16.7% | +45.0% | +15.1% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.