← COMMUNITY FINANCIAL SYSTEM, INC. CBU
Market Price
$65.80
Market Cap
$3.45B
P/E Ratio
16.57
Revenue (FY 2025)
↑8.3% YoY
$54.41M
3-Yr CAGR: 11.0%
Net Income
↑15.3% YoY
$210.46M
Net Margin: 386.8%
Free Cash Flow
↑5.3% YoY
$233.33M
FCF Yield: 6.76%
EPS (Diluted)
↑15.4% YoY
$3.97
Basic: $3.98
Return on Equity
Efficiency
10.5%
ROA: 1.2%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CBU)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2024: Revenue YoY (+6.7%) is identical to Gross Profit YoY (+6.7%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+8.3%) is identical to Gross Profit YoY (+8.3%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $23.1M | — | $11.9M | $103.8M | — | $2.32 | — | $131.3M | $118.8M | — |
| FY 2017 | $26.1M | +13.0% | $12.4M | $150.7M | +45.2% | $3.03 | +30.6% | $189.7M | $178.9M | +50.5% |
| FY 2018 | $30.3M | +15.9% | $12.6M | $168.6M | +11.9% | $3.24 | +6.9% | $221.4M | $208.8M | +16.7% |
| FY 2019 | $32.2M | +6.2% | $5.6M | $169.1M | +0.3% | $3.23 | -0.3% | $202.5M | $196.8M | -5.7% |
| FY 2020 | $32.4M | +0.5% | $11.5M | $164.7M | -2.6% | $3.08 | -4.6% | $179.5M | $165.1M | -16.1% |
| FY 2021 | $34.0M | +5.0% | $21.0M | $189.7M | +15.2% | $3.48 | +13.0% | $202.5M | $189.4M | +14.7% |
| FY 2022 | $39.8M | +17.1% | $16.7M | $188.1M | -0.9% | $3.46 | -0.6% | $214.6M | $201.7M | +6.5% |
| FY 2023 | $47.1M | +18.3% | $47.1M | $131.9M | -29.9% | $2.45 | -29.2% | $228.4M | $209.8M | +4.0% |
| FY 2024 | $50.2M | +6.7% | $50.2M | $182.5M | +38.3% | $3.44 | +40.4% | $242.3M | $221.6M | +5.6% |
| FY 2025 | $54.4M | +8.3% | $54.4M | $210.5M | +15.3% | $3.97 | +15.4% | $301.9M | $233.3M | +5.3% |
Valuation
Market Price
$65.80
Market Cap
$3.45B
Enterprise Value
N/A
P/E Ratio
16.57
P/B Ratio
1.72
FCF Yield
6.76%
Dividend Yield
2.83%
Shares Outstanding
Profitability & Margins
Gross Margin
22.02%
Operating Margin
506.15%
Net Margin
386.79%
Return on Equity (ROE)
10.49%
Return on Assets (ROA)
1.22%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
10.98%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$301.75M
Total Debt
N/A
Book Value / Share
$38.17
Cash Flow Efficiency
Operating Cash Flow
$301.86M
Capital Expenditures (CapEx)
$68.53M
Free Cash Flow
$233.33M
OCF / Revenue
554.79%
FCF / Revenue
428.84%
FCF 3-Yr CAGR
4.98%
Per Share Metrics
EPS (Diluted)
$3.97
EPS (Basic)
$3.98
Dividends / Share
$1.86
Book Value / Share
$38.17
EPS YoY Growth
15.41%
Balance Sheet (FY 2025)
Total Assets
$17.30B
Total Liabilities
$15.30B
Stockholders' Equity
$2.01B
Current Assets
N/A
Current Liabilities
N/A