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Community Financial System, Inc.
Community Financial System, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 20,510 | 13.6 | 1.49 | 0.43 | 5,662.98 |
| Oct 2026 | 20,745 | 13.8 | 1.51 | 0.23 | 5,684.12 |
| Oct 2026 | 20,910 | 13.6 | 1.49 | 0.23 | 5,596.88 |
| Oct 2026 | 20,887 | 13.7 | 1.50 | 0.23 | 5,605.70 |
| Oct 2026 | 20,835 | 13.8 | 1.51 | 0.23 | 5,666.33 |
| Oct 2026 | 20,787 | 14.0 | 1.53 | 0.23 | 5,705.63 |
| Oct 2026 | 20,820 | 13.9 | 1.52 | 0.23 | 5,674.76 |
| Oct 2026 | 20,740 | 14.1 | 1.54 | 0.23 | 5,765.78 |
| Oct 2026 | 20,746 | 14.1 | 1.54 | 0.23 | 5,744.92 |
| Oct 2026 | 20,610 | 14.5 | 1.58 | 0.23 | 5,887.16 |
Community Financial System, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 223,618,000.0 | 213,612,000.0 | 215,736,000.0 | 207,052,000.0 |
| Net Profit | 61,334,000.0 | 57,218,000.0 | 54,422,000.0 | 55,088,000.0 |
| EPS | 1.2 | 1.1 | 1.0 | 1.0 |
Community Financial System, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 818,292,000.0 | 746,303,000.0 | 651,877,000.0 | 679,355,000.0 | — |
| Net Profit | 210,455,000.0 | 182,481,000.0 | 131,924,000.0 | 188,081,000.0 | — |
| EPS | 4.0 | 3.4 | 2.5 | 3.5 | — |
Community Financial System, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 17,303,296,000.0 | 16,386,044,000.0 | 15,555,753,000.0 | 15,835,651,000.0 | — |
| Total Liabilities | 15,297,262,000.0 | 14,623,209,000.0 | 13,857,816,000.0 | 14,283,946,000.0 | — |
| Total Equity | 2,006,034,000.0 | 1,762,835,000.0 | 1,697,937,000.0 | 1,551,705,000.0 | — |
Owes vs Owns
Community Financial System, Inc. owed $0.88 for every $1 it owned in Jun 2026, down from $0.90 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.88× | 0.88× | 0.89× | 0.89× | 0.90× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Community Financial System, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 16.4%Fixed assets (tangible) 1.4%Intangible assets 5.4%Long-term investments 23.5%Other assets 52.9%
How it's funded — Dec 2025
Long-term debt 2.7%Other liabilities 85.8%Shareholders' equity 11.6%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 2,842.9 | 2,977.6 | 3,111.0 | 4,361.7 |
| Receivables | 57.7 | 54.3 | 54.5 | 52.6 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 246.5 | 183.8 | 173.4 | 160.8 |
| Intangible assets | 942.7 | 901.5 | 898.0 | 902.8 |
| Long-term investments | 4,057.8 | 4,139.5 | 4,099.2 | 5,236.2 |
| Other assets | 9,155.7 | 8,129.3 | 7,219.6 | 5,121.4 |
| Liabilities & equity | ||||
| Short-term debt | 0.0 | 118.0 | 53.0 | 768.4 |
| Long-term debt | 458.8 | 619.3 | 407.6 | 22.7 |
| Payables | 0.0 | 0.0 | 0.0 | 133.9 |
| Other liabilities | 14,838.5 | 13,885.9 | 13,397.2 | 13,359.0 |
| Shareholders' equity | 2,006.0 | 1,762.8 | 1,697.9 | 1,551.7 |
| Net tangible assets | 1,063.3 | 861.4 | 800.0 | 648.9 |
Community Financial System, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 301,859,000.0 | 242,276,000.0 | 228,420,000.0 | 214,600,000.0 | — |
| Investing Activities | -182,103,000.0 | -835,617,000.0 | 335,776,000.0 | -2,138,985,000.0 | — |
| Financing Activities | -15,005,000.0 | 599,383,000.0 | -583,130,000.0 | 259,217,000.0 | — |