CBU
NYSE · Banking
Community Financial System I
$64.58
+1.08 (+1.70%)
Financial Highlights (FY 2026)
Revenue
658.64M
Net Income
209.39M
Gross Margin
—
Profit Margin
27.7%
Rev Growth
+4.8%
D/E Ratio
0.12
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 34.0% | 34.0% |
| Operating Margin | 35.4% | 31.8% | 41.4% | 42.5% |
| Profit Margin | 27.7% | 26.3% | 32.0% | 36.3% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 658.64M | 628.59M | 775.33M | 735.24M |
| Gross Profit | — | — | 263.69M | 250.06M |
| Operating Income | 232.99M | 200.12M | 320.74M | 312.65M |
| Net Income | 209.39M | 179.86M | 248.11M | 266.83M |
| Gross Margin | — | — | 34.0% | 34.0% |
| Operating Margin | 35.4% | 31.8% | 41.4% | 42.5% |
| Profit Margin | 27.7% | 26.3% | 32.0% | 36.3% |
| Rev Growth | +4.8% | +4.8% | -9.9% | +18.7% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 174.73M | 174.73M | 960.50M | 1.05B |
| Total Equity | 1.46B | 1.46B | 2.71B | 2.69B |
| D/E Ratio | 0.12 | 0.12 | 0.35 | 0.39 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 235.13M | 213.18M | 425.41M | 443.55M |
| Free Cash Flow | — | — | 211.54M | 217.31M |