CBUNYSENational Commercial BanksFiscal year ends December 31

COMMUNITY FINANCIAL SYSTEM, INC.

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026

$59.85−0.39 (-0.65%)

Close on Oct 19, 2026

Market cap: $3.16B
P/E (TTM): 13.9
Dividend yield: 3.11%

COMMUNITY FINANCIAL SYSTEM, INC. income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	818	750	652	679	621	597	590	569	518	430	372	363	340	330	299	270	249
Advertising Expenses	8.60	9.70	9.50	8.20	5.20	6.10	7.10	5.10	5.70	3.90	3.60	3.20	3.00	2.60	2.50	2.00	2.70
Operating Expenses	–	–	–	–	–	–	–	–	–	267	233	227	221	212	190	177	–
Interest Expense	193	194	104	23	13	21	27	18	14	11	11	12	26	51	62	67	83
Income from Equity Investments	-0.29	0	0	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Merger & Restructuring Charges	1.50	0	1.16	0	0	–	–	–	–	–	–	–	–	–	–	–	–
Asset Impairment Charges	–	–	–	0	0	–	0	0	0	0	0	0	0	0	0	0	3.08
Gain (Loss) on Investments	0.38	1.23	-0.05	-0.04	0	0	4.88	0	0.00	0	0.00	0	81	0.29	0.03	–	–
Legal Settlements	0.05	-0.14	-5.80	0	0.10	-2.95	0	0	–	–	–	–	–	–	–	–	–
Pretax Income	275	237	168	240	241	206	209	213	160	155	132	130	111	109	104	86	53
Income Tax Expense	65	54	36	52	52	41	40	44	9.25	51	41	38	32	32	30	23	12
Net Income	210	182	132	188	190	165	169	169	151	104	91	91	79	77	73	63	41
Net Income to Common	210	182	131	188	189	164	169	168	150	103	91	91	78	77	73	63	41
EPS (Basic)(per share)	3.98	3.44	2.45	3.48	3.51	3.10	3.26	3.28	3.07	2.34	2.21	2.24	1.96	1.95	2.03	1.91	1.26
EPS (Diluted)(per share)	3.97	3.44	2.45	3.46	3.48	3.08	3.23	3.24	3.03	2.32	2.19	2.22	1.94	1.93	2.01	1.89	1.26
Shares Outstanding (Basic, Weighted)(shares)	53	53	54	54	54	53	52	51	49	44	41	41	40	39	36	0.03	33
Shares Outstanding (Diluted, Weighted)(shares)	53	53	54	54	54	53	52	52	49	44	41	41	41	40	36	0.03	33
Dividend per Share(per share)	1.86	1.82	1.78	1.74	1.70	1.66	1.58	1.44	1.32	1.26	1.22	1.16	1.10	1.06	1.00	0.94	0.88
Total Interest Income	699	644	541	444	387	389	386	363	329	285	260	256	264	281	271	248	249
Net Interest Income	507	449	437	421	374	368	359	345	316	274	248	244	238	230	209	182	166
Non-Interest Income	311	297	215	259	246	228	231	224	202	156	123	119	102	99	89	89	84
Provision for Credit Losses	21	23	11	15	-8.84	14	8.43	11	11	8.08	6.45	7.18	7.99	9.11	4.74	7.21	9.79
Non-Interest Expense	521	487	473	424	388	377	372	345	347	267	233	–	–	–	190	177	186

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 26.6%
Return on equity, FY2025: 11.2%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 13.9
Price to sales: 3.68
Price to book: 1.52
Dividend yield: 3.11%