State Ledger
Company profile

COMMUNITY FINANCIAL SYSTEM, INC. CIK 723188

Ticker
CBU (NYSE)
Industry
National Commercial Banks
Headquarters
Syracuse, NY 13214
Fiscal year end
2025 (FY)
Market Data
Close
$58.83
Change
-$0.61
Change %
-1.03%
Volume
10,666

CBU · trading date Oct 13, 2026 · previous close $59.44 · source: Alpaca (IEX feed, not consolidated full-market data).

Key Financials
Revenue
$818.01M
Net income
$210.46M
Total assets
$17.30B
Total liabilities
$15.30B
Stockholders' equity
$2.01B
Cash & equivalents
$301.76M
Operating income
—
Operating cash flow
$301.86M
Capital expenditures
$68.53M

Fiscal year 2025, via 10-K filed 2026-02-27. A dash means this figure wasn't reported in the source filing under a field State Ledger recognizes - not that the value is zero.

Financial Performance
Operating margin
—
Net margin
25.7%
Free cash flow
$233.33M
Free cash flow margin
28.5%
Liabilities / assets
88.4%
Equity / assets
11.6%
CapEx / revenue
8.4%
Operating cash flow / net income
1.43×

Derived from the fiscal year 2025 figures above. These metrics are mathematical calculations and do not represent a rating or assessment of the company.

Financial History
Fiscal yearRevenueNet incomeAssetsLiabilitiesEquity
2025 $818.01M $210.46M $17.30B $15.30B $2.01B
2024 $746.30M $182.48M $16.39B $14.62B $1.76B
2023 $652.12M $131.92M $15.56B $13.86B $1.70B
2022 $679.36M $188.08M $15.84B $14.28B $1.55B
2021 — $189.69M $15.55B $13.45B $2.10B
Company Details
SIC code
6021
State of incorporation
DE
Active filer
Yes
Most recent SEC filing
Form 4
2026-09-18
Financials filed via
Form 10-K
filed 2026-02-27

"Most recent SEC filing" may differ from the filing used for the financial figures above.

Location
Syracuse, NY 13214
333 BUTTERNUT DRIVE
Data & Methodology

SEC EDGAR submissions API (identity, collected Sep 19, 2026, 15:11 UTC) and SEC XBRL Company Facts API (financials, collected Sep 26, 2026, 15:41 UTC) · figures as originally filed, not restated · a dash always means a value wasn't reported, never a real zero.

← Back to New York — Public Companies