COMMUNITY FINANCIAL SYSTEM, INC. financials
Source: EDGAR filings · Built 2026-06-02T02:35:47Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 232.98M | 221.50M | 209.84M | 201.68M | 189.17M | 164.70M |
| Net Debt | 1.82B | 2.13B | 1.99B | 2.00B | 477.77M | -1.24B |
| Net Margin | 25.73% | 24.45% | 20.23% | 27.69% | — | — |
| Return on Equity (ROE) | 10.49% | 10.35% | 7.77% | 12.12% | 9.03% | 7.83% |
| Return on Assets (ROA) | 1.22% | 1.11% | 0.85% | 1.19% | 1.22% | 1.18% |
| Debt-to-Equity | 1.06× | 1.32× | 1.28× | 1.42× | 1.12× | 0.19× |
| Effective Tax Rate | 23.58% | 22.91% | 21.58% | 21.74% | 21.40% | 20.09% |
| Cash Conversion Ratio | 1.43× | 1.33× | 1.73× | 1.14× | 1.07× | 1.09× |
| Accruals Ratio | -0.01× | -0.00× | -0.01× | -0.00× | -0.00× | -0.00× |
| SBC % of Revenue | 1.33% | 1.12% | 1.42% | 1.14% | — | — |
| CapEx Coverage | 4.38× | 11.66× | 12.29× | 16.61× | 15.14× | 12.14× |
| Free Cash Flow Per Share | $4.41 | $4.19 | $3.91 | $3.72 | $3.48 | $3.09 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 14.47× | 17.93× | 21.27× | 18.19× | 21.40× | 20.23× |
| P/FCF | 13.02× | 14.73× | 13.34× | 16.92× | 21.42× | 20.17× |
| FCF Yield | 7.68% | 6.79% | 7.50% | 5.91% | 4.67% | 4.96% |
| P/S | 3.86× | 4.52× | 4.34× | 5.02× | — | — |
| P/B | 1.57× | 1.91× | 1.67× | 2.20× | 1.92× | 1.59× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenues | 818.01M | 746.30M | 652.12M | 679.36M | — | — |
| Income Tax Expense (Benefit) | 64.94M | 54.22M | 36.31M | 52.23M | 51.65M | 41.40M |
| Net Income (Loss) Attributable to Parent | 210.46M | 182.48M | 131.92M | 188.08M | 189.69M | 164.68M |
| Earnings Per Share, Basic | $3.98 | $3.44 | $2.45 | $3.48 | $3.51 | $3.10 |
| Weighted Average Number of Shares Outstanding, Basic | 52.70M | 52.76M | 53.60M | 53.90M | 53.98M | 52.97M |
| Earnings Per Share, Diluted | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 | $3.08 |
| Weighted Average Number of Shares Outstanding, Diluted | 52.82M | 52.88M | 53.73M | 54.21M | 54.40M | 53.32M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 301.75M | 197.00M | 190.96M | 209.90M | 1.88B | 1.65B |
| Assets | 17.30B | 16.39B | 15.56B | 15.84B | 15.55B | 13.93B |
| Long-term Debt, Excluding Current Maturities | — | 990.20M | — | — | — | — |
| Liabilities | 15.30B | 14.62B | 13.86B | 14.28B | 13.45B | 11.83B |
| Stockholders' Equity Attributable to Parent | 2.01B | 1.76B | 1.70B | 1.55B | 2.10B | 2.10B |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 301.86M | 242.28M | 228.42M | 214.60M | 202.55M | 179.48M |
| Payments to Acquire Property, Plant, and Equipment | 68.53M | 20.70M | 18.59M | 12.92M | 13.38M | 14.78M |
| Net Cash Provided by (Used in) Investing Activities | -182.10M | -835.62M | 335.78M | -2.14B | -1.53B | -398.72M |
| Payments for Repurchase of Common Stock | 11.17M | 45.84M | 30.02M | 16.61M | 5.11M | 271.00K |
| Net Cash Provided by (Used in) Financing Activities | -15.01M | 599.38M | -583.13M | 259.22M | 1.56B | 1.66B |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 60.30M | 61.57M | 171.76M | 88.34M | 51.95M | 58.54M |
| Net Debt | 1.87B | 1.82B | 2.20B | 2.09B | 2.20B | 2.13B |
| Net Margin | 26.83% | 25.26% | 26.61% | 25.76% | 25.28% | 25.37% |
| Return on Equity (ROE) | 2.83% | 2.71% | 2.84% | 2.73% | 2.71% | 2.82% |
| Return on Assets (ROA) | 0.32% | 0.31% | 0.32% | 0.31% | 0.30% | 0.30% |
| Debt-to-Equity | 1.21× | 1.06× | 1.26× | 1.24× | 1.48× | 1.32× |
| Effective Tax Rate | 23.31% | 24.33% | 24.71% | 22.27% | 22.80% | 22.85% |
| Cash Conversion Ratio | 1.25× | 1.55× | 3.94× | 2.26× | 1.26× | 1.32× |
| Accruals Ratio | -0.00× | -0.00× | -0.01× | -0.00× | -0.00× | -0.00× |
| SBC % of Revenue | 1.39% | 1.38% | 3.81% | 2.79% | 1.55% | 0.95% |
| CapEx Coverage | 6.36× | 3.68× | 4.77× | 4.17× | 5.92× | 9.13× |
| Free Cash Flow Per Share | $1.14 | $1.17 | $3.25 | $1.67 | $0.98 | $1.11 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 14.24× | 14.47× | 15.11× | 15.50× | 15.75× | 17.93× |
| P/S | 3.86× | 3.86× | 4.03× | 4.00× | 4.08× | 4.52× |
| P/B | 1.59× | 1.57× | 1.66× | 1.66× | 1.70× | 1.91× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Revenues | 213.29M | 215.45M | 207.05M | 199.26M | 196.25M | 196.29M |
| Income Tax Expense (Benefit) | 17.40M | 17.50M | 18.08M | 14.71M | 14.65M | 14.75M |
| Net Income (Loss) Attributable to Parent | 57.22M | 54.42M | 55.09M | 51.33M | 49.61M | 49.79M |
| Earnings Per Share, Basic | $1.08 | $1.03 | $1.04 | $0.97 | $0.94 | $0.94 |
| Weighted Average Number of Shares Outstanding, Basic | 52.66M | 52.70M | 52.69M | 52.78M | 52.72M | 52.76M |
| Earnings Per Share, Diluted | $1.08 | $1.03 | $1.04 | $0.97 | $0.93 | $0.94 |
| Weighted Average Number of Shares Outstanding, Diluted | 52.78M | 52.82M | 52.80M | 52.87M | 52.92M | 52.88M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 572.17M | 301.75M | 245.25M | 237.25M | 518.02M | 197.00M |
| Assets | 17.74B | 17.30B | 16.96B | 16.67B | 16.76B | 16.39B |
| Long-term Debt, Excluding Current Maturities | — | — | — | — | — | 990.20M |
| Liabilities | 15.72B | 15.30B | 15.02B | 14.78B | 14.93B | 14.62B |
| Stockholders' Equity Attributable to Parent | 2.02B | 2.01B | 1.94B | 1.88B | 1.83B | 1.76B |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 71.56M | 84.58M | 217.28M | 116.20M | 62.51M | 65.74M |
| Payments to Acquire Property, Plant, and Equipment | 11.26M | 23.01M | 45.52M | 27.86M | 10.55M | 7.20M |
| Net Cash Provided by (Used in) Investing Activities | -202.66M | 283.69M | -465.79M | -183.97M | -30.31M | -210.63M |
| Payments for Repurchase of Common Stock | 15.51M | 44.00K | 11.12M | 90.00K | 48.00K | -146.00K |
| Net Cash Provided by (Used in) Financing Activities | 401.52M | -311.76M | 296.75M | 108.02M | 288.82M | -4.21M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (CBU CIK 0000723188),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.