15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $818M | $210M | 0.0% | 0.0% | 10.5% | 1.2% | $233M | — | $302M |
| 2024 | $746M | $182M | 0.0% | 0.0% | 10.4% | 1.1% | $222M | $990M | $197M |
| 2023 | $652M | $132M | 0.0% | 0.0% | 7.8% | 0.8% | $210M | — | $191M |
| 2022 | $679M | $188M | 0.0% | 0.0% | 12.1% | 1.2% | $202M | — | $210M |
| 2021 | — | $190M | — | — | 9.0% | 1.2% | $189M | — | $1.9B |
| 2020 | — | $165M | — | — | 7.8% | 1.2% | $165M | — | $1.6B |
| 2019 | — | $169M | — | — | 9.1% | 1.5% | $197M | — | $205M |
| 2018 | — | $169M | — | — | 9.8% | 1.6% | $209M | — | $212M |
| 2017 | — | $151M | — | — | 9.2% | 1.4% | $179M | — | $221M |
| 2016 | — | $104M | — | — | 8.7% | 1.2% | $123M | — | $174M |
| 2015 | — | $91M | — | — | 8.0% | 1.1% | $107M | — | $153M |
| 2014 | — | $91M | — | — | 9.2% | 1.2% | — | — | $138M |
| 2013 | — | $79M | — | — | 9.0% | 1.1% | $89M | — | $150M |
| 2012 | — | $77M | — | — | 8.5% | 1.0% | $98M | — | $229M |
| 2011 | — | $73M | — | — | 9.4% | 1.1% | $85M | — | $325M |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | $223M | $61M | 0.0% | 0.0% | 3.0% | 0.3% | $41M | — | $258M |
| Mar '26 | $213M | $57M | 0.0% | 0.0% | 2.8% | 0.3% | $60M | — | $572M |
| Dec '25 | $215M | $54M | 0.0% | 0.0% | 2.7% | 0.3% | $62M | — | $302M |
| Sep '25 | $207M | $55M | 0.0% | 0.0% | 2.8% | 0.3% | $83M | — | $245M |
| Jun '25 | $199M | $51M | 0.0% | 0.0% | 2.7% | 0.3% | $36M | — | $237M |
| Mar '25 | $196M | $50M | 0.0% | 0.0% | 2.7% | 0.3% | $52M | — | $518M |
| Dec '24 | — | $50M | — | — | 2.8% | 0.3% | $59M | $990M | $197M |
| Sep '24 | $189M | $44M | 0.0% | 0.0% | 2.5% | 0.3% | $52M | — | $346M |
| Jun '24 | $184M | $48M | 0.0% | 0.0% | 2.9% | 0.3% | $34M | — | $201M |
| Mar '24 | $177M | $41M | 0.0% | 0.0% | 2.5% | 0.3% | $77M | — | $338M |
| Dec '23 | — | $34M | — | — | 2.0% | 0.2% | $40M | — | $191M |
| Sep '23 | — | $44M | — | — | 2.8% | 0.3% | $58M | — | $456M |
| Jun '23 | — | $48M | — | — | 3.0% | 0.3% | $39M | — | $223M |
| Mar '23 | — | $6M | — | — | 0.4% | 0.0% | $73M | — | $189M |
| Dec '22 | — | $53M | — | — | 3.4% | 0.3% | $69M | — | $210M |
| Sep '22 | $200000 | $49M | 0.0% | 0.0% | 3.3% | 0.3% | $40M | — | $247M |
| Jun '22 | $300000 | $40M | 0.0% | 0.0% | 2.4% | 0.3% | $44M | — | $198M |
| Mar '22 | $300000 | $47M | 0.0% | 0.0% | 2.5% | 0.3% | $49M | — | $1.0B |
| Dec '21 | — | $44M | — | — | 2.1% | 0.3% | $46M | — | $1.9B |
| Sep '21 | — | $45M | — | — | 2.2% | 0.3% | $60M | — | $2.3B |
How the market has priced CBU against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
Over the past 5 years, Community Financial System, Inc.'s revenue has grown 6.4% per year, and net income grown 5.0% per year. These are computed facts, not advice.
As of FY2025, Community Financial System, Inc. reported — of total debt against $302M of cash.
In FY2025, gross margin was —, operating margin —, and net margin 25.7%.
As of Sep '26, Community Financial System, Inc. traded at a price-to-earnings ratio of about 15.9× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.