Company Analysis

Community Financial System, Inc. (CBU)

NYSE: CBU · National Commercial Banks · Syracuse, NY · filing with the SEC since 1994
Grade6.3
◀ Past 7.1● Present 5.0▶ Future 6.8

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.
Income statement, by fiscal year, newest first
Fiscal yearFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Period endingDec 31, 2025Dec 31, 2024Dec 31, 2023Dec 31, 2022Dec 31, 2021Dec 31, 2020Dec 31, 2019Dec 31, 2018Dec 31, 2017Dec 31, 2016
Report filedFeb 27, 2026Feb 28, 2025Feb 29, 2024Mar 1, 2023Mar 1, 2022Mar 1, 2021Mar 2, 2020Mar 1, 2019Mar 1, 2018Mar 1, 2017
Revenue818,007746,303652,119679,355······
For lenders
Interest and dividend income699,275643,528541,388443,729387,420389,278385,727362,733329,455285,187
Interest expense on deposits and borrowings192,725194,411104,10323,099······
Net interest income506,550449,117437,285420,630374,412368,403359,175345,055315,675273,896
Provision for credit losses21,35022,77311,20314,773-8,83914,2128,43010,83710,9848,076
Net interest income after provision485,200426,344426,082405,857383,251354,191350,745334,218304,691265,820
Noninterest income311,457297,186214,834258,725246,235228,419230,619224,059202,423155,625
Noninterest expense521,263486,825472,685424,268388,138376,534372,026345,289347,149266,848
Total operating expenses·········266,848
Interest expense192,725194,411104,10323,09913,00820,87526,55217,67813,78011,291
Share of profit of equity-method investments-28500·······
Income before income taxes275,394236,705168,231240,314241,348206,076209,338212,988159,965154,597
Income tax expense64,93954,22436,30752,23351,65441,40040,27544,3479,24850,785
Net income210,455182,481131,924188,081189,694164,676169,063168,641150,717103,812
Net income to common shareholders209,582181,741131,477187,548189,249164,162168,663167,897150,120103,262
Earnings per share, basic3.983.442.453.483.513.103.263.283.072.34
Earnings per share, diluted3.973.442.453.463.483.083.233.243.032.32
Weighted average shares, basic52,70052,75553,60153,89653,97752,96951,73251,16548,84344,091
Weighted average shares, diluted52,82152,88353,72554,20854,40053,32152,24851,74849,47044,485
As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. r restated by the company in a later report; b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.
What each line is, and the XBRL concept behind it
Revenue what customers paid for what it soldus-gaap:Revenues
Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating
Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating
Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet
Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses
us-gaap:ProvisionForLoanAndLeaseLosses
Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss
Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome
Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense
Total operating expenses the running costs togetherus-gaap:OperatingExpenses
Interest expense what its borrowing costus-gaap:InterestExpense
Share of profit of equity-method investments its share of companies it partly ownsus-gaap:IncomeLossFromEquityMethodInvestments
Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit
Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss
Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic
Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic
Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted
Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic
Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding
SI Assistanton CBU · research, not advice