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Banks · Financial Services · Fiscal year ends Dec 31
Community Financial System reported revenue of $818M in the fiscal year ended Dec 2025, up 9.6% from the year before. Net income was $210M. Operating cash flow of $302M less capital expenditure of $69M left free cash flow of $233M.
Ranks among the 59 banks companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | – | 679 | 652 | 746 | 818 |
| Net interest incomeBanks | 374 | 421 | 437 | 449 | 507 |
| Interest expense | 13.0 | 23.1 | 104 | 194 | 193 |
| Pre-tax income | 241 | 240 | 168 | 237 | 275 |
| Income tax | 51.7 | 52.2 | 36.3 | 54.2 | 64.9 |
| Net income | 190 | 188 | 132 | 182 | 210 |
| Diluted EPS | 3.48 | 3.46 | 2.45 | 3.44 | 3.97 |
| Diluted shares | 54.4 | 54.2 | 53.7 | 52.9 | 52.8 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 1,875 | 210 | 191 | 197 | 302 |
| Net PP&E | 161 | 161 | 173 | 184 | 247 |
| Goodwill | 799 | 842 | 845 | 853 | 888 |
| Total assets | 15,553 | 15,836 | 15,556 | 16,386 | 17,303 |
| Long-term debt | – | – | – | 990 | – |
| DepositsBanks | 12,911 | 13,012 | 12,928 | 13,442 | 14,387 |
| Total liabilities | 13,452 | 14,284 | 13,858 | 14,623 | 15,297 |
| Shareholders' equity | 2,101 | 1,552 | 1,698 | 1,763 | 2,006 |
| Backlog (remaining obligations) | 2.2 | 1.1 | 0.8 | 1.1 | 1.1 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 203 | 215 | 228 | 242 | 302 |
| Capital expenditure | 13.4 | 12.9 | 18.6 | 20.7 | 68.5 |
| Free cash flow | 189 | 202 | 210 | 222 | 233 |
| Depreciation & amortisation | 15.6 | 14.4 | 13.0 | 13.7 | 15.6 |
| Stock-based compensation | 6.3 | 7.7 | 9.3 | 8.4 | 10.9 |
| Acquisitions | 29.3 | 0.7 | 8.5 | 15.6 | −470 |
| Share buybacks | 5.1 | 16.6 | 30.0 | 45.8 | 11.2 |
| Dividends paid | 91.1 | 93.4 | 95.1 | 95.8 | 97.6 |
| Dividend per share | 1.70 | 1.74 | 1.78 | 1.82 | 1.86 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | – | −4.0% | 14.4% | 9.6% |
| EPS growth (YoY) | – | −0.6% | −29.2% | 40.4% | 15.4% |
| Net margin | – | 27.7% | 20.2% | 24.5% | 25.7% |
| Return on equityBlank when equity is negative | 9.0% | 12.1% | 7.8% | 10.4% | 10.5% |
| Free cash flow margin | – | 29.7% | 32.2% | 29.7% | 28.5% |
| Cash conversion (CFO ÷ net income) | 1.07x | 1.14x | 1.73x | 1.33x | 1.43x |
| Debt ÷ equity | – | – | – | 0.56x | – |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | – | – | – | 793 | – |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.