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CBU

Community Bank System, Inc.

CBU

Community Bank System, Inc. • NYSE
$56.76 ▼ -0.98% (-0.56)
Market Cap $2.99 B
52w High $69.97
52w Low $49.44
Dividend Yield 1.85%
P/E 14.63
Volume 174.40K
Outstanding Shares 52.66M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $256.17M ▲ $128.319M ▼ $55.088M ▲ 21.504% ▲ $1.04 ▲ $80.489M ▲
Q2-2025 $247.386M ▲ $129.102M ▲ $51.331M ▲ 20.749% ▲ $0.97 ▲ $73.255M ▲
Q1-2025 $243.683M ▼ $125.29M ▼ $49.614M ▼ 20.36% ▲ $0.94 $71.588M ▼
Q4-2024 $246.245M ▲ $125.539M ▲ $49.793M ▲ 20.221% ▲ $0.94 ▲ $71.731M ▲
Q3-2024 $240.097M $124.203M $43.901M 18.285% $0.84 $64.002M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $2.69B ▲ $16.665B ▼ $14.782B ▼ $1.883B ▲
Q1-2025 $834.271M ▲ $16.764B ▲ $14.93B ▲ $1.834B ▲
Q4-2024 $508.963M ▼ $16.386B ▼ $14.623B ▲ $1.763B ▼
Q3-2024 $3.232B ▲ $16.405B ▲ $14.62B ▲ $1.785B ▲
Q2-2024 $3.01B $15.907B $14.237B $1.67B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $51.331M ▲ $53.688M ▼ $-153.662M ▼ $-180.799M ▼ $-280.773M ▼ $36.385M ▼
Q1-2025 $49.614M ▼ $62.509M ▼ $-30.311M ▲ $288.819M ▲ $321.017M ▲ $51.954M ▼
Q4-2024 $49.793M ▲ $65.738M ▲ $-210.631M ▲ $-4.213M ▼ $-149.106M ▼ $58.536M ▲
Q3-2024 $43.901M ▼ $56.858M ▲ $-239.069M ▼ $326.828M ▲ $144.617M ▲ $51.926M ▲
Q2-2024 $47.915M $39.787M $-171.241M $-5.434M $-136.888M $33.777M

Revenue by Products

Product Q1-2023Q2-2023Q1-2025Q2-2025
Insurance Services
Insurance Services
 $0 ▲$0 ▲$10.00M ▲$10.00M ▲
Wealth Management Services
Wealth Management Services
 $0 ▲$0 ▲$10.00M ▲$10.00M ▲
All Other
All Other
 $20.00M ▲$20.00M ▲$0 ▼$0 ▲
Banking
Banking
 $20.00M ▲$20.00M ▲$0 ▼$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Community Bank System shows a healthy, fairly steady earnings profile over the past five years. Revenue has trended upward, and core profitability has generally held up well, even through shifting interest-rate environments. There was a noticeable soft patch in the prior year, with earnings and per‑share profit dipping, but results have since recovered close to their earlier highs. Overall, this looks like a bank that absorbs bumps in the cycle without large swings in performance, supported by solid margins rather than razor‑thin ones.

Balance Sheet

Balance Sheet The balance sheet has grown over time, with total assets steadily expanding. Equity remains solid, though it has not grown as fast as assets, which means the business is operating with somewhat more leverage than a few years ago. Cash balances are much lower than they were at the peak of pandemic-era liquidity, but have since been stable, suggesting excess cash was redeployed into loans and securities. Debt has increased compared with earlier years, yet still appears manageable relative to the size of the institution. Overall, the balance sheet looks sound, but with a bit less of a cushion than in the past.

Cash Flow

Cash Flow Cash generation is a quiet strength here. Operating cash flow has inched up over time, and the bank consistently produces more cash from operations than it spends on investments in the business. Capital spending is modest and predictable, so free cash flow has been both positive and gradually improving. This pattern suggests the company has room to keep investing in growth initiatives, supporting dividends, and maintaining flexibility without stretching its finances.

Competitive Edge

Competitive Edge Community Bank System’s main edge is its diversified model and deep local roots. Instead of relying mainly on traditional lending and deposit spreads, it draws a large share of revenue from fee-based businesses like benefits administration, insurance, and wealth management. That diversification helps smooth earnings when lending conditions are tougher. The bank also benefits from long-standing customer relationships and a base of relatively low-cost deposits, which is valuable in a higher-rate world. On the other hand, it still faces the usual regional bank pressures: competition from larger national banks and digital-only players, sensitivity to local economic health, and ongoing scrutiny of funding costs and credit quality.

Innovation and R&D

Innovation and R&D For a regional bank, Community Bank System is leaning meaningfully into technology and product innovation. The upcoming CB2GO digital platform is a major step toward a more modern, app‑centric banking experience, which can help retention and attract younger, more digital customers if adoption goes well. In wealth management, the move to a more advanced client-relationship system should improve service and cross‑selling. The bank also taps into fintech innovation through partnerships rather than building everything itself, which limits risk and cost. Execution remains key: the benefits will depend on how smoothly the new platform rolls out and how effectively staff use these tools to deepen customer relationships.

Summary

Overall, Community Bank System looks like a steadily run, diversified regional financial group with a resilient earnings record and solid cash generation. Its mix of traditional banking, benefits administration, insurance, and wealth management gives it multiple growth levers and reduces reliance on interest spreads alone. The balance sheet is generally sound, though with somewhat less excess liquidity and a bit more leverage than a few years ago, which places more importance on disciplined risk management. Strategic investments in digital banking and technology suggest the bank is not standing still in the face of industry change. Key things to watch going forward are credit quality, funding costs, the success of the CB2GO rollout, and how well the diversified fee businesses continue to grow alongside the core banking franchise.

NEWS

November 10, 2025 · 6:45 AM UTC

Community Bank, N.A. Completes Acquisition of Seven Former Santander Bank, N.A.

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October 21, 2025 · 6:45 AM UTC

Community Financial System, Inc. Reports Third Quarter 2025 Results

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October 15, 2025 · 4:15 PM UTC

Community Financial System, Inc. Announces Quarterly Dividend

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September 22, 2025 · 10:00 AM UTC

Community Financial System Announces Third Quarter 2025 Earnings Conference Call

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September 17, 2025 · 4:15 PM UTC

Community Financial System, Inc. Appoints John A. Vaccaro as New Independent Director

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