Community Financial System, Inc. (CBU)
Community Financial System, Inc. brought in $887.1M of revenue over the twelve months to September 30, 2026, up 10.4% from a year earlier. Net income was $234.3M, a net margin of 26.4%. Operating cash flow minus capital spending left $233.3M of free cash flow in fiscal 2025. At September 30, 2026 it held $424.6M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Community Financial System, Inc.
- Net worth
- Community Financial System, Inc. has a market value (market cap) of $3.4B at the latest share price, and shareholders' equity of $2B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $823M (+9.7% year on year), with net income of $210.5M. Over the 12 months to September 30, 2026: revenue $887.1M, net income $234.3M.
- Cash flow
- In fiscal 2025 operations brought in $301.9M of cash; after $68.5M of capital spending, free cash flow was $233.3M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Community Financial System, Inc.'s next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Community Financial System, Inc. declared dividends of $1.86 per share in fiscal 2025, a yield of 2.87% at the current price.
What Community Financial System, Inc. does
Community Financial System, Inc. is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NYSE under the ticker CBU.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $823M | $210.5M | $3.97 | $233.3M |
| 2024 | $750.5M | $182.5M | $3.44 | $221.6M |
| 2023 | $708.9M | $131.9M | $2.45 | $209.8M |
| 2022 | $683.9M | $188.1M | $3.46 | $201.7M |
| 2021 | n/a | $189.7M | $3.48 | $189.2M |
| 2020 | n/a | $164.7M | $3.08 | $164.7M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CBU ranks in Finance
Dividends
Community Financial System, Inc. declared $1.86 per share in fiscal 2025. At the current price that is a yield of 2.87%. It paid out $97.6M in cash dividends, 46% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.86 | $97.6M | 46% |
| 2024 | $1.82 | $95.8M | 52% |
| 2023 | $1.78 | $95.1M | 72% |
| 2022 | $1.74 | $93.4M | 50% |
| 2021 | $1.70 | $91.1M | 48% |
| 2020 | $1.66 | $87.1M | 53% |
Latest SEC filings
What Community Financial System, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 11% to $231.6M versus the same quarter last year; diluted EPS $1.16 versus $1.04.
- October 27, 2026
- August 21, 2026
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 11% to $223.2M versus the same quarter last year; diluted EPS $1.16 versus $0.97.
- August 6, 2026Passive stake changed SCHEDULE 13G/A
- July 28, 2026
- June 18, 2026
- June 1, 2026Other event 8-K
- May 22, 2026
- May 13, 2026
What is CBU worth? A DCF from its reported cash flow
Insider trades
What the people running Community Financial System, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $75.3K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 9, 2026 | Singh SavneetDirector | Bought | 400 | $25K |
| August 27, 2026 | Vaccaro John ADirector | Bought | 317 | $20K |
| August 24, 2026 | Hall Brenda MDirector | Bought | 476 | $30.3K |
| June 25, 2026 | Bolus Mark J.Director | Sold | 12,191 | $816.8K |
| June 10, 2026 | Durkee Deresa FischerSVP, Chief Accounting Officer | Exercised options | 427 | $22.1K |
| June 10, 2026 | Durkee Deresa FischerSVP, Chief Accounting Officer | Exercised options | 1,196 | $52.9K |
| June 10, 2026 | Durkee Deresa FischerSVP, Chief Accounting Officer | Shares withheld for tax | 1,326 | $85.9K |
| June 8, 2026 | Stickels EricDirector | Sold | 2,000 | $128K |
Who owns CBU
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Fmr LLC13G, passive with 1 related filers | 7% | August 6, 2026 |
| Vanguard Portfolio Management13G, passive | 6.76% | April 29, 2026 |
| Vanguard Capital Management13G, passive | 5.27% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 279 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 7,556,770 | +42,948 |
| Fmr LLC | 3,678,108 | +651,736 |
| Vanguard Portfolio Management LLC | 3,549,062 | +23,302 |
| Neuberger Berman Group LLC | 3,456,640 | -258,785 |
| State Street Corp | 3,313,651 | +163,311 |
| Vanguard Capital Management LLC | 2,364,665 | -9,474 |
| Dimensional Fund Advisors LP | 1,843,474 | +25,079 |
| Morgan Stanley | 1,682,284 | -178,802 |
| Geode Capital Management, LLC | 1,359,907 | +62,166 |
| Federated Hermes, Inc. | 738,531 | -16,270 |
| Northern Trust Corp | 657,590 | +37,078 |
| Charles Schwab Investment Management Inc | 635,278 | -3,733 |
| Norges Bank | 567,244 | new |
| Bank of New York Mellon Corp | 544,140 | +13,238 |
| Massachusetts Financial Services Co | 450,410 | new |
| Riggs Asset Managment Co. Inc. | 411,432 | -5,724 |
| Segall Bryant & Hamill, LLC | 392,351 | +39,201 |
| Deprince Race & Zollo Inc | 368,124 | -162,750 |
| Vanguard Fiduciary Trust Co | 356,833 | +11,196 |
| Basswood Capital Management, L.L.C. | 321,017 | new |
Insiders
16 insiders reported holding 314,385 shares in total, about $20.4M at the last price.
| Holder | Shares |
|---|---|
| Bolus Mark J.Director | 94,060 |
| Parente JohnDirector | 72,654 |
| Steele Sally ADirector | 41,227 |
| Stickels EricDirector | 31,592 |
| Karaivanov DimitarPresident & CEO, Director | 23,657 |
| Pecor Raymond C IIIDirector | 11,448 |
| Whipple John F.Director | 8,506 |
| Abdo Michael NEVP and General Counsel | 8,010 |
| Gillan-Myer Maureen AEVP, Chief Admin & HR Officer | 6,647 |
| Durkee Deresa FischerSVP, Chief Accounting Officer | 5,478 |
Questions about CBU
What does Community Financial System, Inc. do?
Community Financial System, Inc. is a company in the Finance sector, listed on NYSE as CBU. Its shares trade on NYSE under the ticker CBU.
What is Community Financial System, Inc.'s net worth?
Community Financial System, Inc. has a market value (market cap) of $3.4B at the latest share price, and shareholders' equity of $2B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Community Financial System, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $234.3M on revenue of $887.1M, a net margin of 26.4%.
How much revenue does Community Financial System, Inc. make?
Over the twelve months to September 30, 2026 Community Financial System, Inc. reported revenue of $887.1M. That is 10.4% more than a year earlier.
When did Community Financial System, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is Community Financial System, Inc.'s next earnings report?
Community Financial System, Inc.'s next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Community Financial System, Inc. pay a dividend?
Yes. Community Financial System, Inc. declared dividends of $1.86 per share in fiscal 2025, a yield of 2.87% at the current price.
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Where the numbers come from
Financial figures are the values Community Financial System, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.