CompanyGraph
Community Bank System, Inc.
CBU · NYSE Arca · United States
communityfinancialsystem.comFinancials as of FY2025
At a glance
- Depends onUpstream position: supplies 5 industries, depends on 0
- ScaleMarket cap is $3.62B, above the global median of $1.15B
- FinancialsHigh earnings quality
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
2.73%Below 5Y avg (3.08%)
Annual Rate
USD 1.88Paid quarterly
Payout Ratio
45.4%Sustainable
Consecutive Growth
8 yr
Paying Dividends
26 yr
Payback Period
33.8 yr
Last Ex-Dividend
Jun 15, 2026
Last Payment
Jul 10, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
3.62BUSDvs all stocks (USD)
Trailing P/E
17.23xRevenue (TTM)
814.75MUSDvs all stocks (USD)
Profit Margin
26.76%Beta
0.7850xvs all stocks
52-Week Change
18.87%vs all stocks
Forward Annual Dividend Yield
2.73%vs all stocks
Market Capitalization
3.62BUSDvs all stocks (USD)
Enterprise Value
3.71BUSDvs all stocks (USD)
Trailing P/E
17.23xForward P/E
13.25xPEG Ratio
1.16xPrice to Sales (TTM)
4.58xPrice to Book (MRQ)
1.84xEnterprise to Revenue
4.55xProfit Margin
26.76%Operating Margin
38.19%Return on Assets (TTM)
1.26%Return on Equity (TTM)
11.30%Revenue (TTM)
814.75MUSDvs all stocks (USD)
Revenue per Share (TTM)
15.46USDUpdated Jul 18, 2026Quarterly Revenue Growth
9.50%Gross Profit (TTM)
814.75MUSDvs all stocks (USD)
EBITDA (TTM)
0.00USDvs all stocks (USD)
Net Income (TTM)
218.93MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
15.30%Operating Cash Flow (TTM)
310.91MUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
209.58MUSDvs all stocks (USD)
Forward Annual Dividend Rate
1.88USDUpdated Jul 18, 2026Forward Annual Dividend Yield
2.73%vs all stocks
Trailing Annual Dividend Rate
1.88USDUpdated Jul 18, 2026Trailing Annual Dividend Yield
2.73%vs all stocks
5-Year Average Dividend Yield
3.08%vs all stocks
Payout Ratio
45.39%Revenue
818.29MUSDFY2025 · Dec 31, 2025Pre-tax Income
275.39MUSDFY2025 · Dec 31, 2025Income Tax Expense
64.94MUSDFY2025 · Dec 31, 2025Net Income
210.46MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
329.05MUSDFY2025 · Dec 31, 2025EPS (Basic)
3.98USDFY2025 · Dec 31, 2025EPS (Diluted)
3.97USDFY2025 · Dec 31, 2025Basic Shares Outstanding
52.70MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
52.70MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
210.46MUSDFY2025 · Dec 31, 2025Preferred Stock Dividends
873.00KUSDFY2025 · Dec 31, 2025Operating Cash Flow
259.80MUSDFY2025 · Dec 31, 2025Free Cash Flow
193.24MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
301.75MUSDFY2025 · Dec 31, 2025Income Tax Paid
40.50MUSDFY2025 · Dec 31, 2025Interest Paid
193.05MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
210.46MUSDFY2025 · Dec 31, 2025Depreciation & Amortization
30.20MUSDFY2025 · Dec 31, 2025Deferred Taxes (CF)
11.67MUSDFY2025 · Dec 31, 2025Stock-based Compensation
10.86MUSDFY2025 · Dec 31, 2025Other Non-cash Items
-3.39MUSDFY2025 · Dec 31, 2025Capital Expenditures
-66.55MUSDFY2025 · Dec 31, 2025Net Acquisitions
469.69MUSDFY2025 · Dec 31, 2025Purchase of Investments
-148.76MUSDFY2025 · Dec 31, 2025Sale of Investments
96.35MUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
350.73MUSDFY2025 · Dec 31, 2025Long-term Debt Issuance
0.00USDFY2025 · Dec 31, 2025Long-term Debt Payments
-160.26MUSDFY2025 · Dec 31, 2025Net Short-term Debt Issuance
-118.00MUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-11.17MUSDFY2025 · Dec 31, 2025Common Dividends Paid
-97.56MUSDFY2025 · Dec 31, 2025Other Financing Charges
-4.55MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
-386.26MUSDFY2025 · Dec 31, 2025Shares Outstanding
52.54MSharesUpdated Jul 18, 2026Float Shares
52.06MSharesUpdated Jul 18, 2026Shares Short
1.88MSharesUpdated Jul 18, 2026Short Ratio
4.63daysvs all stocks
Short % of Shares Outstanding
4.96%vs all stocks
% Held by Insiders
0.75%vs all stocks
% Held by Institutions
79.24%vs all stocks
Total Cash (MRQ)
562.65MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
10.71USDUpdated Jul 18, 2026Total Debt (MRQ)
653.97MUSDvs all stocks (USD)
Book Value per Share (MRQ)
38.52USDUpdated Jul 18, 2026Total Assets
17.30BUSDvs all stocks (USD)
Total Liabilities
15.30BUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
287.00MUSDFY2025 · Dec 31, 2025Other Short-term Investments
2.56BUSDFY2025 · Dec 31, 2025Accounts Receivable
57.73MUSDFY2025 · Dec 31, 2025Short-term Debt
0.00USDFY2025 · Dec 31, 2025Long-term Debt
458.77MUSDFY2025 · Dec 31, 2025Common Stock (Book)
54.91MUSDFY2025 · Dec 31, 2025Retained Earnings
1.39BUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
2.01BUSDvs all stocks (USD)
Treasury Stock
110.94MUSDFY2025 · Dec 31, 202552-Week Low
51.12USDUpdated Jul 18, 202652-Week High
71.11USDUpdated Jul 18, 202652-Week Change
18.87%vs all stocks
Beta
0.7850xvs all stocks
50-Day MA
64.56USDUpdated Jul 18, 2026200-Day MA
60.94USDUpdated Jul 18, 2026Avg 10-Day Volume
222.81KSharesUpdated Jul 18, 2026Avg 30-Day Volume
351.22KSharesUpdated Jul 18, 2026Diluted EPS (TTM)
4.12USDUpdated Jul 18, 2026Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
High earnings qualityNotable
Earnings Quality Score: 1.14
Supply Chain
Upstream position: supplies 5 industries, depends on 0Notable
Outgoing: 5.00Incoming: 0.00
Scale
Market cap is $3.62B, above the global median of $1.15BNotable
Market cap (USD): 3,618,406,861Global Median: 1,146,734,693.424
Revenue is $814.75M, above the global median of $520.53MNotable
Revenue (USD): 814,748,992Global Median: 520,528,949.311
Levered free cash flow is $209.58M, above the global median of $16.24MNotable
Levered free cash flow (USD): 209,582,000Global Median: 16,239,329.704
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