CBU NYSE
Community Bank System, Inc.
1W: +1.5%
1M: +1.1%
3M: -2.8%
YTD: +8.7%
1Y: +11.4%
3Y: +52.0%
5Y: -9.7%
$63.41
+0.25 (+0.40%)
Weekly Expected Move ±2.6%
$58
$60
$62
$63
$65
Overview
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Income Statement
Cash Flow
Balance Sheet
Earnings
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Revenue Segmentation
By Product / Service
Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$929M
-1.3% ▼
5Y CAGR: +8.5%
Gross Profit
$682M
-5.7% ▼
5Y CAGR: +3.2%
Operating Income
$292M
+23.2% ▲
5Y CAGR: +7.2%
Net Income
$210M
+15.3% ▲
5Y CAGR: +5.0%
EPS (Diluted)
$3.98
+15.7% ▲
5Y CAGR: +5.3%
EBITDA
$317M
+19.6% ▲
5Y CAGR: +6.0%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $634M | $702M | $756M | $941M | $929M |
| YoY Growth | +2.7% | +10.9% | +7.6% | +24.4% | -1.3% |
| Cost of Revenue | $4M | $38M | $115M | $217M | $247M |
| Gross Profit | $629M | $665M | $641M | $724M | $682M |
| Gross Margin | 99.3% | 94.6% | 84.7% | 76.9% | 73.4% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $251M | $270M | $298M | $317M | $251M |
| Operating Expenses | $388M | $424M | $472M | $487M | $390M |
| Operating Income | $241M | $240M | $168M | $237M | $292M |
| Operating Margin | 38.1% | 34.2% | 22.3% | 25.2% | 31.4% |
| Interest Expense | $13M | $23M | $104M | $194M | $193M |
| Income Before Tax | $241M | $240M | $168M | $237M | $275M |
| Tax Expense | $52M | $52M | $36M | $54M | $65M |
| Net Income | $190M | $188M | $132M | $182M | $210M |
| Net Margin | 29.9% | 26.8% | 17.5% | 19.4% | 22.7% |
| EPS (Diluted) | $3.48 | $3.46 | $2.45 | $3.44 | $3.98 |
| EBITDA | $272M | $271M | $197M | $265M | $317M |
| Shares Outstanding | 54M | 54M | 54M | 53M | 56M |