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COMMUNITY FINANCIAL SYSTEM, INC.

CBU

$64.77 ▼ -0.97 (-1.48%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

COMMUNITY FINANCIAL SYSTEM, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $3.4B

Dividend Yield 2.87%

Revenue Growth 9.7% ↗

Op. Margin 33.5% ↗

ROIC None

FCF / Share None

Trailing P/E 16.3x

Price / Book 1.7x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$823.01M

↑ +9.7% —

Net Income Profit after all expenses

$210.46M

↑ +15.3% —

Operating Margin Operating profit as % of sales

33.5%

↑ +6.1% 89th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.86 Latest / share

+2.2% YoY

+4.4% 12-yr CAGR

$1.16

FY 2014

$1.22

FY 2015

$1.26

FY 2016

$1.32

FY 2017

$1.44

FY 2018

$1.58

FY 2019

$1.66

FY 2020

$1.70

FY 2021

$1.74

FY 2022

$1.78

FY 2023

$1.82

FY 2024

$1.86

FY 2025

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	9.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	5.9% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	10.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+70%)	4.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	1.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-80%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	9.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+64%)	20.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	15.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+159%)	2.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	6.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+14%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	10.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+73%)	10.4% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+74%)	—	—
EPS Growth YoY (%)	15.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	40.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-29.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	13.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-4.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	31.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-1.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	0.5% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-3.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	15.3% Good ↑ Good Improving Year-over-year change in net income	38.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-29.9% Weak ↓ Weak Declining Year-over-year change in net income	-0.9% Weak ↓ Weak Declining Year-over-year change in net income	15.2% Good ↑ Good Improving Year-over-year change in net income	-2.6% Weak ↓ Weak Declining Year-over-year change in net income	0.3% Caution ↓ Caution Declining Year-over-year change in net income	11.9% Fair ↓ Fair Declining Year-over-year change in net income	45.2% Excellent ↑ Excellent Improving Year-over-year change in net income	13.8% Fair ↑ Fair Improving Year-over-year change in net income	-0.1% Weak ↓ Weak Declining Year-over-year change in net income	15.9% Good ↑ Good Improving Year-over-year change in net income	2.3% Caution ↓ Caution Declining Year-over-year change in net income	5.4% Fair Fair Year-over-year change in net income	15.5% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.8% Fair Fair Compound annual revenue growth over 3 years	8.0% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.9% Good → Good Stable Compound annual revenue growth over 5 years	10.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.5% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.5% Fair Fair Compound annual revenue growth over 5 years	6.6% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	4.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-0.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-7.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	0.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	11.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	14.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	4.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	3.3% Caution Caution Compound annual EPS growth over 3 years	0.9% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	33.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	31.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	23.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	35.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	38.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	34.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	35.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	23.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	25.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	18.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	27.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	30.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	27.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	28.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	29.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	29.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	24.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	24.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	25.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	23.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	23.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	24.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	23.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	10.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	9.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	9.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	9.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	10.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	0.56x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	—	—	—	—	—	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.01x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$15.62	$14.23	$13.23	$12.69	$11.50	$11.27	$11.40	$11.12	$10.61	$9.74	$9.07	$8.96	$8.51	$8.41	$8.35	—	—
Basic EPS, GAAP (USD)	$3.98	$3.44	$2.45	$3.48	$3.51	$3.10	$3.26	$3.28	$3.07	$2.34	$2.21	$2.24	$1.96	$1.95	$2.03	$1.91	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.86	$1.82	$1.78	$1.74	$1.70	$1.66	$1.58	$1.44	$1.32	$1.26	$1.22	$1.16	$1.10	$1.06	$1.00	$0.94	—
Book Value per Share (USD)	$38.07	$33.42	$31.68	$28.79	$38.92	$39.72	$35.86	$33.50	$33.48	$27.17	$27.82	$24.36	$21.90	$23.03	$21.66	—	—
Tangible Book Value per Share (USD)	$21.22	$17.24	$15.91	$13.17	$22.91	$23.74	$19.68	$17.72	$16.59	$16.27	$16.52	$15.11	$12.52	$13.60	$12.01	—	—
Basic Weighted Avg Shares (shares)	52.70M	52.76M	53.60M	53.90M	53.98M	52.97M	51.73M	51.16M	48.84M	44.09M	41.00M	40.55M	40.00M	39.19M	35.77M	32,951	—
Dividend Payout Ratio (%)	46.7% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.9% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	72.7% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	48.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	53.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	48.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.8% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	55.2% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	51.8% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	56.1% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	54.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.3% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	49.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	$990.20M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$2.01B	$1.76B	$1.70B	$1.55B	$2.10B	$2.10B	$1.86B	$1.71B	$1.64B	$1.20B	$1.14B	$987.90M	$875.81M	$902.78M	$774.58M	$607.26M	$565.70M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$823.01M	$750.49M	$708.88M	$683.94M	$620.65M	$596.82M	$589.79M	$569.11M	$518.10M	$429.52M	$371.72M	$363.45M	$340.27M	$329.67M	$298.63M	$270.48M	—
Depreciation Expense (USD)	$15.58M	$13.68M	$12.99M	$14.41M	$15.59M	$15.96M	$15.89M	$15.75M	$16.02M	$14.40M	$13.13M	$13.08M	$12.24M	$11.48M	$11.37M	$10.22M	—
Net Income, GAAP (USD)	$210.46M	$182.48M	$131.92M	$188.08M	$189.69M	$164.68M	$169.06M	$168.64M	$150.72M	$103.81M	$91.23M	$91.35M	$78.83M	$77.07M	$73.14M	$63.32M	—
Operating Cash Flow (USD)	$301.86M	$242.28M	$228.42M	$214.60M	$202.55M	$179.48M	$202.50M	$221.41M	$189.67M	$135.77M	$119.57M	—	—	—	$94.38M	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	2.9%	2.7%	2.8%	2.7%	2.4%	2.6%	3.1%	3.3%	2.9%	3.2%	2.9%	3.3%	3.4%	3.1%	3.2%	3.3%	—
Efficiency Ratio (%) (%)	63.7%	65.2%	72.5%	62.5%	62.5%	63.1%	63.1%	60.7%	67.0%	62.1%	62.7%	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 17 years · 66 quarters

COMMUNITY FINANCIAL SYSTEM, INC.

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