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Community Financial System, Inc. CBU

17 fiscal years on record · USD · FY2025 reported · SEC filings only
14 YEARS OF DIVIDEND GROWTH
$818.0M
▲ 9.0% YoY
$210.5M
▲ 15.3% YoY
$233.3M
▲ 5.3% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Community Financial System, Inc. provides a broad array of banking and other financial services to retail, commercial, institutional and governmental customers. As of December 31, 2025, the company had 3,001 total employees, including 2,853 full-time employees and 148 part-time and temporary employees. The company has identified four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services and Wealth Management Services. As of December 31, 2025, the Bank operated 192 full-service branches and 8 drive-thru only locations across counties of Upstate New York, Northeastern Pennsylvania, Vermont, Western Massachusetts and Southern New Hampshire, offering commercial and retail banking services. Through BPAS and its subsidiaries, the company operates a national practice that provides employee benefit trust, collective investment fund, retirement plan and health savings account administration, fund administration, transfer agency, actuarial, and health and welfare consulting services to clients across the United States and the Commonwealth of Puerto Rico. Through OneGroup, the company offers personal and commercial lines of insurance and other risk management products and services. Through the Bank's Nottingham Trust division, NISI, Nottingham Advisors, and Wealth Partners, the company provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust services and personal financial planning services. Community Financial System, Inc. was incorporated on April 15, 1983, under the Delaware General Corporation Law.

Written from the business description in COMMUNITY FINANCIAL SYSTEM, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 27 February 2026. Every sentence was checked against that document before publication.

Growth

USD 818.0M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 818.0 · Net income 210.5
300M600M
2009201220152018202120242025
Compound annual growth
+6.4%
+3.8%
+5.0%
+8.7%
+8.3%
+4.7%
+5.2%
+6.1%
+2.2%
+2.3%
+4.3%
−1.7%
+3.5%
+7.7%
+8.5%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

26 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 33.7% · Net 25.7%
10%20%30%
200920172025
ROE
FY2025 · ROE 11.2%
5%10%
200920172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 11 cents of profit this year.

Cash & shareholders

USD 103.5M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 233.3
100M200M
200920172025
Net buybacks $M Dividends $M
FY2025 · Dividends 97.6 · Net buybacks 5.9
50.0M100.0M-25.0M-50.0MDividendsNet buybacks
200920112013201520172019202120232025
Dividends paidUSD 97.6M
Net buybacksUSD 5.9M
Share of profit49.2%
Consecutive raises14 years (since the 2011 share-count change)

USD 97.6M in dividends and USD 5.9M in buybacks — 49% of the year's profit went back to shareholders.

Total assetsUSD 17.3B
EquityUSD 2.0B
CashUSD 301.8M
Gross debtUSD 689.9M
Net debtUSD 388.2M
DepositsUSD 14.4B

Net debt stands at 19% of equity.

The 17-year record

17 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
CBU, 17-year financial record
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.80.80.70.7◌◌◌◌◌◌◌◌◌◌◌◌◌
Operating income $B0.30.20.20.20.20.20.2◌◌◌◌◌◌◌◌◌◌
EBITDA $B0.30.30.20.30.30.20.2◌◌◌◌◌◌◌◌◌◌
Income tax $B0.10.10.00.10.10.00.00.00.00.10.00.00.00.00.00.00.0
Net income $B0.20.20.10.20.20.20.20.20.20.10.10.10.10.10.10.10.0
Free cash flow $B0.20.20.20.20.20.20.20.20.20.10.10.10.10.10.10.10.1
EPS, diluted $3.973.442.453.463.483.083.233.243.032.322.192.221.941.932.011.891.26
Dividend / sh $1.861.821.781.741.701.661.581.441.321.261.221.161.101.061.000.940.88
Payout %4652725048534742415354515553474869
ROE %11.210.58.110.39.08.39.510.110.68.98.69.88.99.210.610.87.3

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

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Provenance

Company facts, as filed

How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Two checks were skipped: the balance sheet is not tagged before 2009. Two checks were skipped: EPS is not tagged before 2009.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityNational Commercial Banks
Listed onNYSE
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2009

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