COMMUNITY FINANCIAL SYSTEM, INC. CBU

Latest FY: 2025 Financial Services Banks - Regional
Market Price $62.77
Market Cap $3.30B
P/E Ratio 15.81
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑9.6% YoY
$818.01M
3-Yr CAGR: 6.4%
Net Income ↑15.3% YoY
$210.46M
Net Margin: 25.7%
Free Cash Flow ↑5.3% YoY
$233.33M
FCF Yield: 7.07%
EPS (Diluted) ↑15.4% YoY
$3.97
Basic: $3.98
Return on Equity Efficiency
10.5%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CBU)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $429.5M $418.2M $103.8M $2.32 $1.26 2.04% $131.3M $118.8M
FY 2017 $518.1M +20.6% $504.3M $150.7M +45.2% $3.03 +30.6% $1.32 2.46% $189.7M $178.9M +50.5%
FY 2018 $569.1M +9.8% $551.4M $168.6M +11.9% $3.24 +6.9% $1.44 2.47% $221.4M $208.8M +16.7%
FY 2019 $589.8M +3.6% $563.2M $169.1M +0.3% $3.23 -0.3% $1.58 2.23% $202.5M $196.8M -5.7%
FY 2020 $596.8M +1.2% $575.9M $164.7M -2.6% $3.08 -4.6% $1.66 2.66% $179.5M $165.1M -16.1%
FY 2021 $620.6M +4.0% $607.6M $189.7M +15.2% $3.48 +13.0% $1.70 2.28% $202.5M $189.4M +14.7%
FY 2022 $679.4M +9.5% $656.3M $188.1M -0.9% $3.46 -0.6% $1.74 2.76% $214.6M $201.7M +6.5%
FY 2023 $652.1M -4.0% $548.0M $131.9M -29.9% $2.45 -29.2% $1.78 3.42% $228.4M $209.8M +4.0%
FY 2024 $746.3M +14.4% $551.9M $182.5M +38.3% $3.44 +40.4% $1.82 2.95% $242.3M $221.6M +5.6%
FY 2025 $818.0M +9.6% $625.3M $210.5M +15.3% $3.97 +15.4% $1.86 3.24% $301.9M $233.3M +5.3%
$

Valuation

Market Price $62.77
Market Cap $3.30B
Enterprise Value $3.00B
P/E Ratio 15.81
P/B Ratio 1.64
FCF Yield 7.07%
Dividend Yield 2.96%
Shares Outstanding 52,554,900
%

Profitability & Margins

Gross Margin 76.44%
Operating Margin 33.67%
Net Margin 25.73%
Return on Equity (ROE) 10.49%
Return on Assets (ROA) 1.22%
Asset Turnover 0.05x
Revenue 3-Yr CAGR 6.39%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $301.75M
Total Debt N/A
Book Value / Share $38.17
💧

Cash Flow Efficiency

Operating Cash Flow $301.86M
Capital Expenditures (CapEx) $68.53M
Free Cash Flow $233.33M
OCF / Revenue 36.90%
FCF / Revenue 28.52%
FCF 3-Yr CAGR 4.98%
🏷️

Per Share Metrics

EPS (Diluted) $3.97
EPS (Basic) $3.98
Dividends / Share $1.86
Book Value / Share $38.17
EPS YoY Growth 15.41%
🏛️

Balance Sheet (FY 2025)

Total Assets $17.30B
Total Liabilities $15.30B
Stockholders' Equity $2.01B
Current Assets N/A
Current Liabilities N/A