Community Financial System, Inc. (CBU)

From the record

Community Financial System, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Community Financial System, Inc.'s 10 filed years say what it did: revenue went from $285 million in fiscal 2016 to $699 million in fiscal 2025, up 10.5% a year; it rose in 8 of 9 years; the deepest fall was 0% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Community Financial System, Inc.'s diluted share count shrank about 0.9% a year, and dividends and buybacks returned about 49% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 6 sales and 3 purchases of their own stock on the open market in the year to 2026-09-30, buying about $75 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Community Financial System, Inc. earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 0.1% over the year (the filed statements).

From the record

Community Financial System, Inc.'s standing among 79 graded names in its industry family: revenue of $699 million in fiscal 2025 ranks in the top 49% by size; a net margin of 30.1% ranks in the top 17%; revenue growth of 16.4% a year over the last 3 filed years ranks in the bottom 41% (its annual reports).

From the record

Community Financial System, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Karaivanov, Dimitar (President & CEO, as filed), filing under that title since 2024-02-14, 2.7 years (bottom 22% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 5 years (bottom 21%); 13 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (bottom 6%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Community Financial System, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $302 million against no long-term debt tagged leaves 1.7% of its assets as net cash, bottom 40% of its family; cash from operations less capital spending is 33.4% of revenue (top 11%) (its annual report).

From the record

Community Financial System, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 16.4% a year over the last three filed years against 10.5% over all 10, speeding up (top 42% of its family); the newest year grew 8.7% (top 22%); capital spending grew 74.4% a year (top 2%) (its annual reports). Community Financial System, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Community Financial System, Inc.'s newest year against its own record: revenue of $699 million in fiscal 2025 came in 9.8% below the $775 million its prior three years' pace pointed to (top 30% of its family); net income of $210 million against a prior three-year average of $167 million (top 40%); a net margin of 30.1% against 31.7% before (top 47%) (its annual reports).