FY2025 · ended Dec 31, 2025 · Revenue $818.01M, +9.0% YoY · Filed Feb 27, 2026
Community Financial System, Inc. (CBU) files with the SEC under industry code 6021, National Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $818.0 million and net income of $210.5 million. Free cash flow was $233.3 million.
Revenue (TTM)
$858.94M
Net income (TTM)
$228.06M
+17.2% vs year-ago TTM
Operating cash flow (TTM)
$308.27M
+29.1% vs year-ago TTM
Free cash flow (TTM)
$246.67M
+24.1% vs year-ago TTM
EPS (TTM)
$4.31
+17.3% vs year-ago TTM
Dividend per share (TTM)
$1.88
+2.2% vs year-ago TTM
Shares outstanding
52.72M
+0.0% vs prior year
Net cash
$236.70M
FY 2025
Operating margin
—
Company profile
- Industry
- National Commercial Banks (SIC 6021)
- Listed as
- CBU (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- Syracuse, NY
- SEC filer status
- Large accelerated filer
- SEC CIK
- 723188
- Former names
- COMMUNITY BANK SYSTEM, INC. (until May 10, 2024); COMMUNITY BANK NA, a subsidiary of Community Bank System Inc (until Aug 5, 2013); COMMUNITY BANK NA, a subsidiary of Community Bank System Inc. (until Jul 26, 2013); COMMUNITY BANK SYSTEM INC (until Jul 24, 2013)
Other National Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $818.0M | $750.5M | — | — | — |
| Net income | $210.5M | $182.5M | $131.9M | $188.1M | $189.7M |
| Diluted EPS | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 |
| Operating cash flow | $301.9M | $242.3M | $228.4M | $214.6M | $202.5M |
| Free cash flow | $233.3M | $221.6M | $209.8M | $201.7M | $189.2M |
| Total assets | $17.3B | $16.4B | $15.6B | $15.8B | $15.6B |
| Total liabilities | $15.3B | $14.6B | $13.9B | $14.3B | $13.5B |
| Stockholders' equity | $2.0B | $1.8B | $1.7B | $1.6B | $2.1B |
| Cash and investments | $301.8M | $197.0M | $191.0M | $4.4B | $6.8B |
| Total debt | $65.1M | $1.0B | $41.4M | $31.1M | $32.8M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Results of operations
|
Oct 27, 2026 | Oct 27, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Aug 21, 2026 | Aug 21, 2026 |
| 10-Q | Quarterly report | Aug 7, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations
|
Jul 28, 2026 | Jul 28, 2026 |
| 8-K |
Current report
Other events
|
Jun 1, 2026 | Jun 1, 2026 |
| 8-K |
Current report
Shareholder vote results
|
May 22, 2026 | May 20, 2026 |
All 1000 Community Financial System, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.