COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
Q1-CY2026Q4-CY2025Q3-CY2025Q2-CY2025Q1-CY2025Q4-CY2024Q3-CY2024Q2-CY2024Q1-CY2024Q4-CY2023Q3-CY2023Q2-CY2023Q1-CY2023Q4-CY2022Q3-CY2022Q2-CY2022Q1-CY2022Q4-CY2021Q3-CY2021Q2-CY2021Q1-CY2021Q4-CY2020Q3-CY2020Q2-CY2020Q1-CY2020Q4-CY2019Q3-CY2019Q2-CY2019Q1-CY2019Q4-CY2018Q3-CY2018Q2-CY2018Q1-CY2018Q4-CY2017Q3-CY2017Q2-CY2017Q1-CY2017Q4-CY2016Q3-CY2016Q2-CY2016Q1-CY2016Q4-CY2015Q3-CY2015Q2-CY2015Q1-CY2015Q4-CY2014Q3-CY2014Q2-CY2014Q1-CY2014
Balance Sheet Date2025-Dec-312025-Sep-302025-Jun-302025-Mar-312024-Dec-312024-Sep-302024-Jun-302024-Mar-312023-Dec-312023-Sep-302023-Jun-302023-Mar-312022-Dec-312022-Sep-302022-Jun-302022-Mar-312021-Dec-312021-Sep-302021-Jun-302021-Mar-312020-Dec-312020-Sep-302020-Jun-302020-Mar-312019-Dec-312019-Sep-302019-Jun-302019-Mar-312018-Dec-312018-Sep-302018-Jun-302018-Mar-312017-Dec-312017-Sep-302017-Jun-302017-Mar-312016-Dec-312016-Sep-302016-Jun-302016-Mar-312015-Dec-312015-Sep-302015-Jun-302015-Mar-312014-Dec-312014-Sep-302014-Jun-302014-Mar-31
Fiscal PeriodQ4-FY2025Q3-FY2025Q2-FY2025Q1-FY2025Q4-FY2024Q3-FY2024Q2-FY2024Q1-FY2024Q4-FY2023Q3-FY2023Q2-FY2023Q1-FY2023Q4-FY2022Q3-FY2022Q2-FY2022Q1-FY2022Q4-FY2021Q3-FY2021Q2-FY2021Q1-FY2021Q4-FY2020Q3-FY2020Q2-FY2020Q1-FY2020Q4-FY2019Q3-FY2019Q2-FY2019Q1-FY2019Q4-FY2018Q3-FY2018Q2-FY2018Q1-FY2018Q4-FY2017Q3-FY2017Q2-FY2017Q1-FY2017Q4-FY2016Q3-FY2016Q2-FY2016Q1-FY2016Q4-FY2015Q3-FY2015Q2-FY2015Q1-FY2015Q4-FY2014Q3-FY2014Q2-FY2014Q1-FY2014
Total Revenue217,032,000$208,142,000$200,497,000$197,344,000$197,402,000$190,271,000$184,305,000$178,507,000$176,959,000$175,372,000$175,263,000$124,525,000$678,555,000$175,643,000$167,238,000$160,545,000$159,677,000$156,920,000$151,565,000$152,485,000$150,633,000$152,624,000$144,889,000$148,676,000$149,863,000$148,370,000$149,006,000$142,555,000$141,605,000$141,989,000$143,405,000$142,115,000$139,915,000$137,336,000$129,255,000$111,592,000$108,866,000$108,415,000$107,078,000$105,162,000$98,137,000$93,749,000$90,947,000$88,886,000$91,684,000$92,466,000$90,836,000$88,462,000$
QoQ%4.27%3.81%1.60%(.03%)3.75%3.24%3.25%.88%.91%.06%40.75%(81.65%)286.33%5.03%4.17%.54%1.76%3.53%(.60%)1.23%(1.31%)5.34%(2.55%)(.79%)1.01%(.43%)4.53%.67%(.27%)(.99%).91%1.57%1.88%6.25%15.83%2.50%.42%1.25%1.82%7.16%4.68%3.08%2.32%(3.05%)(.85%)1.79%2.68%7.86%
YoY%9.94%9.39%8.79%10.55%11.55%8.50%5.16%43.35%(73.92%)(.15%)4.80%(22.44%)324.96%11.93%10.34%5.29%6.00%2.82%4.61%2.56%.51%2.87%(2.76%)4.29%5.83%4.49%3.91%.31%1.21%3.39%10.95%27.35%28.52%26.68%20.71%6.11%10.93%15.64%17.74%18.31%7.04%1.39%.12%.48%11.79%4.84%6.20%4.65%
Cost Of Revenue5,181,000$5,755,000$4,309,000$6,884,000$6,393,000$7,881,000$2,885,000$6,336,000$4,268,000$3,080,000$971,000$3,733,000$3,015,000$5,316,000$6,228,000$1,015,000$2,284,000$(816,000$)(4,204,000$)(5,584,000$)(2,988,000$)2,045,000$9,858,000$5,676,000$2,950,000$1,848,000$1,490,000$2,520,000$2,604,000$2,326,000$2,560,000$3,796,000$5,506,000$2,440,000$1,583,000$1,954,000$2,772,000$1,919,000$2,431,000$1,472,000$3,429,000$2,007,000$693,000$727,000$2,638,000$1,856,000$2,011,000$1,117,000$
Gross Profit211,851,000$202,387,000$196,188,000$190,460,000$191,009,000$182,390,000$181,420,000$172,171,000$172,691,000$172,292,000$174,292,000$120,792,000$675,540,000$170,327,000$161,010,000$159,530,000$157,393,000$157,736,000$155,769,000$158,069,000$153,621,000$150,579,000$135,031,000$143,000,000$146,913,000$146,522,000$147,516,000$140,035,000$139,001,000$139,663,000$140,845,000$138,319,000$134,409,000$134,896,000$127,672,000$109,638,000$106,094,000$106,496,000$104,647,000$103,690,000$94,708,000$91,742,000$90,254,000$88,159,000$89,046,000$90,610,000$88,825,000$87,345,000$
Gross Margin97.61%97.24%97.85%96.51%96.76%95.86%98.44%96.45%97.59%98.24%99.45%97.00%99.56%96.97%96.28%99.37%98.57%100.52%102.77%103.66%101.98%98.66%93.20%96.18%98.03%98.75%99.00%98.23%98.16%98.36%98.22%97.33%96.07%98.22%98.78%98.25%97.45%98.23%97.73%98.60%96.51%97.86%99.24%99.18%97.12%97.99%97.79%98.74%
Operating Expenses138,552,000$128,319,000$129,102,000$125,290,000$125,539,000$124,203,000$118,999,000$118,084,000$129,091,000$116,504,000$113,038,000$114,052,000$105,852,000$100,000$100,000$100,000$100,913,000$100,436,000$93,543,000$93,246,000$95,002,000$96,966,000$90,903,000$93,663,000$95,269,000$96,929,000$91,176,000$88,652,000$87,613,000$85,233,000$86,112,000$86,331,000$86,919,000$83,776,000$102,879,000$73,575,000$66,597,000$66,226,000$66,356,000$67,669,000$64,980,000$56,079,000$56,048,000$55,948,000$56,684,000$58,811,000$55,164,000$55,921,000$
Operating Income
Operating Margin
Interest Income
Interest Expenses48,042,000$49,118,000$48,130,000$47,435,000$49,958,000$51,155,000$47,629,000$45,669,000$37,136,000$29,770,000$22,345,000$14,852,000$11,760,000$5,481,000$3,034,000$2,824,000$2,987,000$3,055,000$3,255,000$3,711,000$4,168,000$4,525,000$5,241,000$6,941,000$7,307,000$7,371,000$6,052,000$5,822,000$5,034,000$4,705,000$4,159,000$3,780,000$3,611,000$4,092,000$3,393,000$2,684,000$2,753,000$2,859,000$2,804,000$2,875,000$3,015,000$2,921,000$2,652,000$2,614,000$2,829,000$2,893,000$2,939,000$3,131,000$
Income Before Tax71,920,000$73,169,000$66,037,000$64,268,000$64,540,000$57,030,000$62,092,000$53,043,000$43,795,000$55,990,000$61,473,000$6,973,000$67,309,000$62,397,000$50,776,000$59,832,000$56,602,000$57,428,000$62,360,000$64,958,000$58,732,000$53,713,000$44,212,000$49,419,000$51,737,000$49,690,000$56,430,000$51,481,000$51,497,000$54,541,000$54,845,000$52,105,000$47,615,000$51,246,000$24,915,000$36,189,000$39,629,000$40,399,000$38,417,000$36,152,000$29,830,000$35,764,000$34,308,000$32,315,000$32,469,000$31,908,000$33,772,000$31,541,000$
Tax Expenses17,498,000$18,081,000$14,706,000$14,654,000$14,747,000$13,129,000$14,177,000$12,171,000$10,089,000$11,861,000$13,182,000$1,175,000$14,779,000$13,706,000$10,971,000$12,777,000$13,038,000$12,092,000$14,416,000$12,108,000$12,247,000$10,904,000$8,964,000$9,285,000$8,853,000$10,472,000$11,415,000$9,535,000$10,674,000$11,435,000$10,239,000$11,999,000$(24,411,000$)16,003,000$7,724,000$9,932,000$13,237,000$13,239,000$12,560,000$11,749,000$9,759,000$10,742,000$10,468,000$10,018,000$9,336,000$9,537,000$10,096,000$9,368,000$
Net Income54,422,000$55,088,000$51,331,000$49,614,000$49,793,000$43,901,000$47,915,000$40,872,000$33,706,000$44,129,000$48,291,000$5,798,000$52,530,000$48,691,000$39,805,000$47,055,000$43,564,000$45,336,000$47,944,000$52,850,000$46,485,000$42,809,000$35,248,000$40,134,000$42,884,000$39,218,000$45,015,000$41,946,000$40,823,000$43,106,000$44,606,000$40,106,000$72,026,000$35,243,000$17,191,000$26,257,000$26,392,000$27,160,000$25,857,000$24,403,000$20,071,000$25,022,000$23,840,000$22,297,000$23,133,000$22,371,000$23,676,000$22,173,000$
Profit Margin25.08%26.47%25.60%25.14%25.22%23.07%26.00%22.90%19.05%25.16%27.55%4.66%7.74%27.72%23.80%29.31%27.28%28.89%31.63%34.66%30.86%28.05%24.33%26.99%28.62%26.43%30.21%29.42%28.83%30.36%31.11%28.22%51.48%25.66%13.30%23.53%24.24%25.05%24.15%23.21%20.45%26.69%26.21%25.09%25.23%24.19%26.07%25.07%
TTM25.57%25.62%24.78%24.86%24.32%22.79%23.30%23.65%20.23%13.07%13.46%12.81%15.91%27.01%27.28%29.25%30.56%31.49%31.30%29.53%27.59%27.02%26.61%28.07%28.67%28.72%29.71%29.93%29.63%35.22%34.11%30.00%29.09%21.58%21.17%24.24%24.17%23.28%23.60%24.06%24.54%25.82%25.18%25.14%25.14%23.66%23.84%23.46%
Earnings to Minority216,000$242,000$240,000$198,000$216,000$192,000$169,000$111,000$120,000$158,000$192,000$17,000$147,000$142,000$125,000$119,000$105,000$110,000$127,000$130,000$82,000$147,000$127,000$146,000$69,000$102,000$146,000$109,000$181,000$191,000$188,000$141,000$210,000$164,000$83,000$138,000$152,000$157,000$151,000$89,000$101,000$129,000$99,000$100,000$119,000$115,000$123,000$99,000$
Earnings to Common Shareholders54,206,000$54,846,000$51,091,000$49,416,000$49,577,000$43,709,000$47,746,000$40,761,000$33,586,000$43,971,000$48,099,000$5,781,000$52,383,000$48,549,000$39,680,000$46,936,000$43,459,000$45,226,000$47,817,000$52,720,000$46,403,000$42,662,000$35,121,000$39,988,000$42,815,000$39,116,000$44,869,000$41,837,000$40,642,000$42,915,000$44,418,000$39,965,000$71,816,000$35,079,000$17,108,000$26,119,000$26,240,000$27,003,000$25,706,000$24,314,000$19,970,000$24,893,000$23,741,000$22,197,000$23,014,000$22,256,000$23,553,000$22,074,000$
QoQ%(1.17%)7.35%3.39%(.33%)13.43%(8.46%)17.14%21.36%(23.62%)(8.58%)732.02%(88.96%)7.90%22.35%(15.46%)8.00%(3.91%)(5.42%)(9.30%)13.61%8.77%21.47%(12.17%)(6.60%)9.46%(12.82%)7.25%2.94%(5.30%)(3.38%)11.14%(44.35%)104.73%105.04%(34.50%)(.46%)(2.83%)5.05%5.73%21.75%(19.78%)4.85%6.96%(3.55%)3.41%(5.51%)6.70%42.63%
YoY%9.34%25.48%7.01%21.23%47.61%(.60%)(.73%)605.09%(35.88%)(9.43%)21.22%(87.68%)20.53%7.35%(17.02%)(10.97%)(6.34%)6.01%36.15%31.84%8.38%9.07%(21.73%)(4.42%)5.35%(8.85%)1.02%4.68%(43.41%)22.34%159.63%53.01%173.69%29.91%(33.45%)7.42%31.40%8.48%8.28%9.54%(13.23%)11.85%.80%.56%48.70%1.21%12.11%9.48%
Earnings Per Share, Basic1.03$1.04$0.97$0.94$0.94$0.83$0.91$0.77$0.63$0.82$0.90$0.11$0.97$0.90$0.74$0.87$0.80$0.84$0.89$0.98$0.86$0.80$0.67$0.77$0.82$0.76$0.87$0.81$0.79$0.84$0.87$0.78$1.41$0.69$0.35$0.58$0.59$0.61$0.58$0.55$0.48$0.61$0.58$0.55$0.57$0.55$0.58$0.55$
Earnings Per Share, Diluted1.03$1.04$0.97$0.93$0.94$0.83$0.91$0.76$0.63$0.82$0.89$0.11$0.97$0.90$0.73$0.86$0.80$0.83$0.88$0.97$0.86$0.79$0.66$0.76$0.82$0.75$0.86$0.80$0.78$0.83$0.86$0.78$1.40$0.68$0.35$0.57$0.59$0.61$0.58$0.55$0.47$0.60$0.58$0.54$0.56$0.54$0.57$0.54$
Unlevered FCF Per Share, Basic1.17$1.58$0.69$0.99$1.11$0.99$0.64$1.45$0.75$1.08$0.72$1.36$1.28$0.73$0.82$0.91$0.86$1.12$0.40$1.13$0.90$0.48$1.28$0.45$1.40$0.73$1.02$0.65$0.97$1.00$0.94$1.17$0.94$0.88$0.90$0.62$0.71$0.66$0.63$
Unlevered FCF Per Share, Diluted1.17$1.58$0.69$0.98$1.11$0.99$0.64$1.45$0.75$1.08$0.72$1.36$1.27$0.72$0.81$0.91$0.85$1.11$0.39$1.12$0.89$0.48$1.27$0.45$1.39$0.73$1.01$0.64$0.96$0.99$0.93$1.15$0.93$0.87$0.88$0.61$0.71$0.66$0.62$
Average Shares, Basic52,611,00052,689,00052,785,00052,715,00052,598,00052,520,00052,674,00053,228,00053,380,00053,502,00053,679,00053,843,00053,833,00053,830,00053,928,00053,993,00054,031,00054,025,00054,007,00053,845,00053,703,00053,650,00052,487,00052,036,00051,999,00051,750,00051,659,00051,520,00051,336,00051,250,00051,140,00050,934,00050,860,00050,703,00048,525,00045,284,00044,296,00044,184,00044,021,00043,863,00041,762,00040,873,00040,690,00040,659,00040,564,00040,596,00040,574,00040,458,000
Average Shares, Diluted52,692,00052,804,00052,869,00052,919,00052,782,00052,680,00052,749,00053,321,00053,450,00053,606,00053,794,00054,050,00054,100,00054,132,00054,221,00054,379,00054,438,00054,410,00054,469,00054,283,00054,028,00053,974,00052,826,00052,456,00052,497,00052,246,00052,188,00052,061,00051,914,00051,858,00051,723,00051,497,00051,454,00051,288,00049,151,00045,987,00044,788,00044,578,00044,378,00044,196,00042,187,00041,259,00041,094,00041,064,00041,039,00041,049,00041,058,00040,970,000
EBIT119,962,000$122,287,000$114,167,000$111,703,000$114,498,000$108,185,000$109,721,000$98,712,000$80,931,000$85,760,000$83,818,000$21,825,000$79,069,000$67,878,000$53,810,000$62,656,000$59,589,000$60,483,000$65,615,000$68,669,000$62,900,000$58,238,000$49,453,000$56,360,000$59,044,000$57,061,000$62,482,000$57,303,000$56,531,000$59,246,000$59,004,000$55,885,000$51,226,000$55,338,000$28,308,000$38,873,000$42,382,000$43,258,000$41,221,000$39,027,000$32,845,000$38,685,000$36,960,000$34,929,000$35,298,000$34,801,000$36,711,000$34,672,000$
EBITDA119,962,000$122,287,000$114,167,000$111,703,000$114,498,000$108,185,000$109,721,000$98,712,000$80,931,000$85,760,000$83,818,000$21,825,000$79,069,000$67,878,000$53,810,000$62,656,000$59,589,000$60,483,000$65,615,000$68,669,000$62,900,000$58,238,000$49,453,000$56,360,000$59,044,000$57,061,000$62,482,000$57,303,000$56,531,000$59,246,000$59,004,000$55,885,000$51,226,000$55,338,000$28,308,000$38,873,000$42,382,000$43,258,000$41,221,000$39,027,000$32,845,000$38,685,000$36,960,000$34,929,000$35,298,000$34,801,000$36,711,000$34,672,000$