Community Financial System financials
$59.83−1.09%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.01B | $940.7M | $756.2M | $702.5M | $633.7M | $617.3M | $616.3M | $587.1M | $531.9M | $440.8M |
| Gross profit | $818.0M | $746.3M | $652.1M | $679.4M | $620.6M | $596.4M | $589.8M | $569.4M | $518.1M | $429.5M |
| Gross margin | 80.9% | 79.3% | 86.2% | 96.7% | 97.9% | 96.6% | 95.7% | 97.0% | 97.4% | 97.4% |
| Operating income | $275.4M | $236.7M | $168.2M | $240.3M | $241.3M | $206.1M | $209.3M | $213.0M | $160.0M | $154.6M |
| Net income | $209.6M | $181.7M | $131.5M | $187.5M | $189.7M | $164.2M | $168.7M | $167.9M | $150.1M | $103.3M |
| Net margin | 20.7% | 19.3% | 17.4% | 26.7% | 29.9% | 26.6% | 27.4% | 28.6% | 28.2% | 23.4% |
| Diluted EPS | $3.97 | $3.44 | $2.45 | $3.46 | $3.48 | $3.08 | $3.23 | $3.24 | $3.03 | $2.32 |
| EBITDA | $275.4M | $236.7M | $168.2M | $245.0M | $242.1M | $213.5M | $217.9M | $212.5M | $186.0M | $156.3M |
| Operating cash flow | $301.9M | $242.3M | $228.4M | $214.8M | $202.8M | $179.8M | $202.8M | $221.7M | $193.0M | $135.8M |
| Free cash flow | $235.3M | $227.3M | $217.3M | $204.3M | $189.6M | $165.4M | $197.1M | $209.1M | $182.2M | $123.3M |
| Diluted shares | 52.8M | 52.9M | 53.7M | 54.2M | 54.4M | 53.3M | 52.2M | 51.7M | 49.5M | 44.5M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $301.8M | $197.0M | $191.0M | $209.9M | $1.88B | $1.65B |
| Short-term investments | $4.44B | $4.22B | $4.17B | $5.31B | $4.98B | $3.60B |
| Total debt | $458.8M | $737.3M | $407.6M | $22.7M | $5.2M | $87.3M |
| Total assets | $17.30B | $16.39B | $15.56B | $15.84B | $15.55B | $13.93B |
| Total liabilities | $15.30B | $14.63B | $13.86B | $14.28B | $13.46B | $11.84B |
| Shareholders' equity | $2.01B | $1.76B | $1.70B | $1.55B | $2.09B | $2.09B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology