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  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : MAJOR BANKS
  4. COMMUNITY BANK SYSTEM, INC.
Community Bank System, Inc.
XNYS: CBU
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Community Bank System Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Community Bank System Inc share price target, revenues, EPS, net income and more

Community Bank System Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Community Bank System Inc Jun-2026 Quarterly Revenue is $224 Million which is growth of 12.2% YoY.

  • POSITIVE

    Quarterly Net Profit Community Bank System Inc Jun-2026 Quarterly Net Profit is $61 Million which is growth of 19.5% YoY.

Community Bank System, Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
223.6213.6215.7207.1199.3196.3196.3188.9183.8177.3177175.4175.3
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------75.275.372.6
Operating Profit
----------
⌄
-------------
Profit Before Tax
80.874.671.973.26664.364.55762.15343.85661.5
Tax
19.517.417.518.114.714.714.813.114.212.210.111.913.2
⌄
61.25754.254.951.149.449.643.747.840.833.64448.1
Diluted NI Avail to Com Stockholders Ann.
61.25754.254.951.149.449.643.747.840.833.64448.1
Basic EPS
1.21.11110.90.90.80.90.80.70.80.9
Diluted EPS After ExtraOrdinary
1.21.11.11.110.90.90.80.90.80.80.80.9
Number Of Shares End
52.652.752.652.752.852.752.652.552.753.253.453.553.7
Net Income Continuing Discontinued Operations
61.357.254.455.151.349.649.843.947.940.933.744.148.3
Normalized Income
61.357.256.655.752.649.65043.9484140.844.249.1
Interest Income
184.4180181.5177.3172.9167.7169.9163.9157152.7146.3137.6131.6
Interest
45.245.34849.148.147.45051.247.645.737.129.822.3
Net Interest Income
139.1134.7133.4128.2124.8120.2120112.8109.4107109.2107.8109.3
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
10.79.78.37.37.27.37.277.57777.2
Profit From Continuing Operations
61.357.254.455.151.349.649.843.947.940.933.744.148.3
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Community Bank System Inc competitor comparison and performance snapshot within industry

Community Bank System Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Community Bank System Inc Dec-2025 Annual Revenue is $818 Million which is growth of 9.6% YoY.

  • POSITIVE

    Annual Net Profit Community Bank System Inc Dec-2025 Annual Net Profit is $210 Million which is growth of 15.3% YoY.

Community Bank System, Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
6.4%
6.5%
 818.3746.3651.9679.4620.7596.4589.8569.4518.1429.5371.7
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---104.1-23.1-13-20.9-26.6-17.7-13.8-11.3-11.2
Operating Profit Ann.
-
-
 --756702.5633.7617.3616.4587.1531.9440.8382.9
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
4.6%
6%
300.5275.4236.7168.2240.3241.4206.1209.3213160154.6132.2
Tax Ann.
7.5%
9.4%
72.564.954.236.352.251.741.440.344.49.350.841
⌄
3.8%
5%
227.3209.6181.7131.5187.6189.3164.2168.7167.9150.1103.390.8
Diluted NI Avail to Com Stockholders Ann.
3.8%
5%
227.3209.6181.7131.5187.6189.3164.2168.7167.9150.1103.390.8
EPS Ann.
4.6%
5.2%
 43.42.53.53.53.13.33.33.12.32.2
Diluted EPS Ann.
4.6%
5.2%
 43.42.53.53.53.13.23.232.32.2
Number Of Shares End
-0.7%
-0.4%
 52.652.653.453.85453.75251.350.844.341.8
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
3.8%
5%
228.1210.5182.5131.9188.1189.7164.7169.1168.6150.7103.891.2
Normalized Income Ann.
3.8%
4.7%
230.8214.4182.9139.8191.8190.3170.6176168.3175.210596.1
Interest Income Ann.
16.4%
12.4%
723.1699.3643.5541.4443.7387.4389.3385.7362.7329.5285.2259.6
Interest Ann.
102.8%
55.9%
187.6192.7194.4104.123.11320.926.617.713.811.311.2
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
-0.2%
-0.3%
36.130.228.728.430.430.230.632.234.433.520.417.2
Profit From Continuing Operations Ann.
3.8%
5%
228.1210.5182.5131.9188.1189.7164.7169.1168.6150.7103.891.2
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
9.6%
2Y CAGR
12%
3Y CAGR
6.4%
5Y CAGR
6.5%
7Y CAGR
5.3%
10Y CAGR
8.2%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
15.3%
2Y CAGR
26.3%
3Y CAGR
3.8%
5Y CAGR
5%
7Y CAGR
3.2%
10Y CAGR
8.7%
Net Profit Annual growth is higher than historical averages.

Community Bank System Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Community Bank System Inc Dec-2025 Total Shareholders Fund is $2,006 Million which is growth of 13.8% YoY.

  • POSITIVE

    Total Assets Community Bank System Inc Dec-2025 Total Assets is $17,303 Million which is growth of 5.6% YoY.

Community Bank System, Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
3%
4.4%
17,303.316,38615,555.815,835.715,552.713,931.111,410.310,607.310,746.28,666.48,552.7
⌄
2.3%
5.3%
15,297.314,623.213,857.814,28413,451.911,8279,555.18,893.59,110.97,468.37,412
⌄
8.9%
-1%
2,0061,762.81,697.91,551.72,100.82,104.11,855.21,713.81,635.31,198.11,140.7
Total Capitalization Ann.
16.1%
2.4%
2,464.82,382.22,105.51,574.42,1062,191.41,950.11,813.71,760.21,446.51,544.1
Tangible Assets Ann.
17.9%
-3.3%
1,063.3861.4800648.91,236.51,257.51,018.3906.4810.2717.3656.5
Working Capital Ann.
-
-
--
Invested Capital Ann.
1.7%
2.4%
2,464.82,500.22,158.52,342.82,1062,191.41,958.41,868.11,784.21,446.51,544.1
Tangible Book Value Ann.
17.9%
-3.3%
1,063.3861.4800648.91,236.51,257.51,018.3906.4810.2717.3656.5
Borrowings Ann.
-16.6%
39.4%
458.8737.3460.6791.15.287.3103.2154.3148.9248.4403.5
Net Debt Ann.
-33.4%
-
171.8545.4269.6581.2-----74.5250.2
Share Issued Ann.
0.4%
0.4%
54.954.754.454.254.153.85251.651.344.944.4
Number Of Shares End
-0.7%
-0.4%
52.652.653.453.85453.75251.350.844.341.8
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
5.6%
2Y CAGR
5.5%
3Y CAGR
3%
5Y CAGR
4.4%
7Y CAGR
7.2%
10Y CAGR
7.3%
Total Assets Annual growth is stable compared to historical averages.
Total ShareHolders Funds Ann.
1Y CHG
13.8%
2Y CAGR
8.7%
3Y CAGR
8.9%
5Y CAGR
-1%
7Y CAGR
2.3%
10Y CAGR
5.8%
Total ShareHolders Funds Annual growth is higher than historical averages.

Community Bank System Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Community Bank System Inc Book Value Per Share is $38 which is growth of 6.8% YoY.

  • NEUTRAL

    ROE Community Bank System Inc ROE is 0% which is growth of 0% YoY.

Community Bank System, Inc., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-1.14%0.84%1.20%1.28%1.30%1.53%1.57%1.55%1.20%1.13%
ROE Ann. %
-
-
-10.50%8.09%10.27%9.00%8.29%9.45%10.03%10.60%8.83%8.53%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--115.97%103.40%102.10%103.50%104.50%103.10%102.66%102.63%103.01%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.10000.10.10.10.10.10.1
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-0.40.2000.10.10.10.20.4
*All financials are in USD Million and price data in USD
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Community Bank System Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Community Bank System Inc Dec-2025 Cash From Operating Activity is $302 Million which is growth of 24.6% YoY.

  • POSITIVE

    Net Cash Flow Community Bank System Inc Dec-2025 Net Cash Flow is $105 Million which is growth of 1633.7% YoY.

Community Bank System, Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
12%
11%
301.9242.3228.4214.6202.6179.5202.5221.4189.7131.3116.5
⌄
-
-
-182.1-835.6335.8-2,139-1,530.8-398.7-157.117.5131.4-122-274.2
⌄
-
-
-15599.4-583.1259.21,557.51,660-52.3-248.1-273.911.4172.5
Cash Plus Cash Eqv. End Of Year Ann.
12.9%
-28.8%
301.8197191209.91,875.11,645.8205211.8221173.9153.2
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-40.8%
104.86-18.9-1,665.2229.31,440.8-6.8-9.247.220.714.8
Cash Plus Cash Eqv. Begin Of Year Ann.
-52.8%
-0.8%
197191209.91,875.11,645.8205211.8221173.9153.2138.4
Income Tax Paid Supplemental Data Ann.
-10.8%
0.5%
40.543.741.757.141.539.646.530.341.232.228.9
Interest Paid Supplemental Data Ann.
102.1%
55.6%
193.1192.910023.413.821.225.417.913.711.311.3
Capex Ann.
-
-
-68.5-20.7-18.6-12.9-13.2-14.4-5.7-12.7-10.8-12.4-12.4
Issuance Of Capital Stock Ann.
64.1%
-19.7%
5.37.111.29.815.913.81914.619.426.3
Issuance Of Debt Ann.
91%
-
250400-35.930.9-----
Repayment Of Debt Ann.
-
-
-160.3-47.1-15-0.1-77.3-12.1-87.1-72.6---
Repurchase Of Capital Stock Ann.
-
-
-11.2-46-30.2-16.6-5.1-0.3-0.3-0.3-3.3-3.5-9.1
Free Cash Flow Ann.
5%
7.2%
233.3221.6209.8201.7189.4165.1196.8208.8178.9118.8104.1
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
24.6%
2Y CAGR
15%
3Y CAGR
12%
5Y CAGR
11%
7Y CAGR
4.5%
10Y CAGR
10%
Cash from Operating Activity Annual growth is higher than historical averages.
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