Community Bank System, Inc. (CBU) — Financial statements
Income statement, balance sheet, and cash flow for Community Bank System, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 1,011↑7.5% | 941↑24.4% | 756↑7.6% | 702↑10.9% | 634 | |
| Cost of Revenue | 214↓1.4% | 217↑88.4% | 115↑204.5% | 38↑808.4% | 4 | |
| Gross Profit | 797↑10.1% | 724↑12.9% | 641↓3.6% | 665↑5.6% | 629 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 314↑4.4% | 301↑6.7% | 282↑9.5% | 257↑6.6% | 242 | |
| Selling & Marketing Expenses | 15↓5.8% | 16↑2.1% | 16↑20.1% | 13↑40.5% | 9 | |
| SG&A Expenses | 329↑3.9% | 317↑6.5% | 298↑10.0% | 270↑7.8% | 251 | |
| Other Expenses | 192↑13.2% | 170↓2.8% | 175↑13.7% | 154↑12.0% | 137 | |
| Operating Expenses | 522↑7.1% | 487↑3.0% | 472↑11.4% | 424↑9.3% | 388 | |
| Total Costs & Expenses | 736↑4.5% | 704↑19.8% | 588↑27.2% | 462↑17.8% | 392 | |
| Operating Results | ||||||
| Operating Income | 275↑16.3% | 237↑40.7% | 168↓30.0% | 240↓0.4% | 241 | |
| Depreciation & Amortization | 30↑5.4% | 29↑1.1% | 28↓6.8% | 30↑0.9% | 30 | |
| EBITDA | 306↑15.2% | 265↑35.0% | 197↓27.4% | 271↓0.3% | 272 | |
| EBIT | 275↑16.3% | 237↑40.7% | 168↓30.0% | 240↓0.4% | 241 | |
| Interest & Other Income | ||||||
| Net Interest Income | 507↑12.8% | 449↑2.7% | 437↑4.0% | 421↑12.3% | 374 | |
| Interest Income | 699↑8.7% | 644↑18.9% | 541↑22.0% | 444↑14.5% | 387 | |
| Interest Expense | 193↓0.9% | 194↑86.7% | 104↑350.7% | 23↑77.6% | 13 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 275↑16.3% | 237↑40.7% | 168↓30.0% | 240↓0.4% | 241 | |
| Income Tax Expense | 65↑19.8% | 54↑49.3% | 36↓30.5% | 52↑1.1% | 52 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 210↑15.3% | 182↑38.3% | 132↓29.9% | 188↓0.9% | 190 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 210↑15.3% | 182↑38.3% | 132↓29.9% | 188↓0.9% | 190 | |
| Bottom-Line Net Income | 210↑15.3% | 182↑38.2% | 131↓29.9% | 188↓0.9% | 189 | |
| EPS (Basic) | 3.98↑15.7% | 3.44↑40.4% | 2.45↓29.6% | 3.48↓0.9% | 3.51 | |
| EPS (Diluted) | 3.97↑15.4% | 3.44↑40.4% | 2.45↓29.2% | 3.46↓0.6% | 3.48 | |
| Weighted Average Shares | 53↓0.1% | 53↓1.6% | 54↓0.5% | 54↓0.2% | 54 | |
| Weighted Average Diluted Shares | 53↓0.1% | 53↓1.6% | 54↓0.9% | 54↓0.4% | 54 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.