Security
Community Financial System, Inc. · CBU
CBUNYSECommon stockCurrentCIK 723188Updated Oct 28, 2026
Name history
COMMUNITY BANK SYSTEM, INC. · through May 10, 2024COMMUNITY BANK NA, a subsidiary of Community Bank System Inc · through Aug 5, 2013COMMUNITY BANK NA, a subsidiary of Community Bank System Inc. · through Jul 26, 2013COMMUNITY BANK SYSTEM INC · through Jul 24, 2013
CBU price & chart
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NYSE:CBU on TradingView ↗About the company
Community Financial System, Inc. is a diversified financial services company that is focused on four main business lines - banking services, employee benefit services, insurance services and wealth management services. Its banking subsidiary, Community Bank, N.A., is among the country’s 100 largest banking institutions with over $17 billion in assets and operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, Western Massachusetts and Southern New Hampshire. The Company’s Benefit Plans Administrative Services, Inc. subsidiary is a leading provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting services to customers on a national scale. The Company’s OneGroup NY, Inc. subsidiary is a top 63 U.S. insurance agency. The Company also offers comprehensive financial planning, trust administration and wealth management services through its Nottingham Financial Group operating unit. The Company is listed on the New York Stock Exchange and the Company’s stock trades under the symbol CBU. For more information about the Company and each of its four main business lines v…
In the news
Business Rewards Platform PayRewards Launches in U.S.: NYSE Content Update ↗
Seeking Alpha
Community Financial System, Inc. (CBU) Q3 2026 Earnings Call Transcript ↗
Community Financial System Non-GAAP EPS of $1.27 beats by $0.08, revenue of $227.29M in-line ↗
Here are the major earnings before the open Tuesday ↗
SEC disclosures
COMMUNITY FINANCIAL SYSTEM, INC. files 8-K: Material Event ↗
Recent filings
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
4 filing
4 filing
Regulation FD Disclosure
Items 7.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 16,957,804,000Source | 16,404,700,000Source | 17,763,770,000Source | 16,665,018,000Source | 15,906,816,000Source | 17,744,859,000Source | 16,764,296,000Source | 15,858,670,000Source | 17,303,296,000Source | 16,386,044,000Source | 15,555,753,000Source | 15,835,651,000Source |
| Property, Plant and Equipment, NetUSD | 212,667,000Source | 178,429,000Source | 250,251,000Source | 201,101,000Source | 178,095,000Source | 247,445,000Source | 189,762,000Source | 170,974,000Source | 246,505,000Source | 183,759,000Source | 173,418,000Source | 160,778,000Source |
| GoodwillUSD | 855,790,000Source | 852,493,000Source | 900,650,000Source | 854,817,000Source | 852,258,000Source | 889,347,000Source | 854,522,000Source | 849,790,000Source | 887,975,000Source | 853,225,000Source | 845,396,000Source | 841,841,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | — | 48,130,000Source | — | — | 53,522,000Source | — | — | 54,649,000Source | — | — | 52,591,000Source | 60,996,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 245,247,000Source | 346,110,000Source | 258,174,000Source | 237,248,000Source | 201,493,000Source | 572,173,000Source | 518,021,000Source | 338,381,000Source | 301,755,000Source | 197,004,000Source | 190,962,000Source | 209,896,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 53,175,000Source | 46,240,000Source | 40,036,000Source | 30,069,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 15,018,854,000Source | 14,619,753,000Source | 15,691,005,000Source | 14,781,927,000Source | 14,236,636,000Source | 15,720,867,000Source | 14,930,221,000Source | 14,201,715,000Source | 15,297,262,000Source | 14,623,209,000Source | 13,857,816,000Source | 14,283,946,000Source |
| Stockholders’ equity: | ||||||||||||
| Additional Paid in CapitalUSD | 1,084,821,000Source | 1,069,258,000Source | 1,100,368,000Source | 1,081,954,000Source | 1,065,937,000Source | 1,094,103,000Source | 1,078,253,000Source | 1,063,508,000Source | 1,088,047,000Source | 1,075,537,000Source | 1,060,289,000Source | 1,050,231,000Source |
| Retained Earnings (Accumulated Deficit)USD | 1,357,973,000Source | 1,249,793,000Source | 1,456,743,000Source | 1,327,660,000Source | 1,230,133,000Source | 1,420,143,000Source | 1,300,658,000Source | 1,205,994,000Source | 1,387,636,000Source | 1,275,331,000Source | 1,188,869,000Source | 1,152,452,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -453,164,000Source | -494,032,000Source | -417,627,000Source | -486,835,000Source | -585,794,000Source | -423,992,000Source | -505,114,000Source | -583,816,000Source | -418,990,000Source | -548,085,000Source | -556,892,000Source | -686,439,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,938,950,000Source | 1,784,947,000Source | 2,072,765,000Source | 1,883,091,000Source | 1,670,180,000Source | 2,023,992,000Source | 1,834,075,000Source | 1,656,955,000Source | 2,006,034,000Source | 1,762,835,000Source | 1,697,937,000Source | 1,551,705,000Source |
| Liabilities and EquityUSD | 16,957,804,000Source | 16,404,700,000Source | 17,763,770,000Source | 16,665,018,000Source | 15,906,816,000Source | 17,744,859,000Source | 16,764,296,000Source | 15,858,670,000Source | 17,303,296,000Source | 16,386,044,000Source | 15,555,753,000Source | 15,835,651,000Source |
| Additional Financial Items | ||||||||||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -435,709,000Source | -467,848,000Source | -408,333,000Source | -469,334,000Source | -559,270,000Source | -416,535,000Source | -487,567,000Source | -556,952,000Source | -412,466,000Source | -530,492,000Source | -529,688,000Source | — |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | 17,455,000Source | 26,184,000Source | 6,388,000Source | 17,501,000Source | 26,524,000Source | 6,456,000Source | 17,547,000Source | 26,864,000Source | 6,524,000Source | 17,593,000Source | 27,204,000Source | 31,301,000Source |
| Dividends PayableUSD | 24,975,000Source | 24,324,000Source | 24,912,000Source | 24,514,000Source | 23,828,000Source | 24,888,000Source | 24,429,000Source | 23,887,000Source | 25,000,000Source | 24,410,000Source | 24,168,000Source | 23,762,000Source |
| Long-term Debt, Excluding Current MaturitiesUSD | — | — | — | — | — | — | — | — | — | 990,198,000Source | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 2,970,000Source | 3,048,000Source | 10,859,000Source | 8,374,000Source | 9,269,000Source | 7,738,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 71,558,000Source | 62,509,000Source | 301,859,000Source | 242,276,000Source | 228,420,000Source | 214,600,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | 12,862,000Source | 242,000Source | -469,692,000Source | 15,620,000Source | 8,517,000Source | 668,000Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -202,664,000Source | -30,311,000Source | -182,103,000Source | -835,617,000Source | 335,776,000Source | -2,138,985,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 11,260,000Source | 10,555,000Source | 68,528,000Source | 20,703,000Source | 18,585,000Source | 12,922,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 15,511,000Source | 48,000Source | 11,168,000Source | 46,029,000Source | 30,233,000Source | 16,614,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 401,524,000Source | 288,819,000Source | -15,005,000Source | 599,383,000Source | -583,130,000Source | 259,217,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 24,823,000Source | 24,268,000Source | 97,560,000Source | 95,777,000Source | 95,102,000Source | 93,387,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 245,247,000Source | 346,110,000Source | 258,174,000Source | 237,248,000Source | 572,173,000Source | 518,021,000Source | 301,755,000Source | 197,004,000Source | 190,962,000Source | 209,896,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 45,714,000Source | 47,641,000Source | 193,054,000Source | 192,871,000Source | 100,040,000Source | 23,402,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 40,499,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 3,258,000Source | 3,369,000Source | 4,408,000Source | 3,369,000Source | 4,246,000Source | 3,482,000Source | 13,846,000Source | 14,259,000Source | 14,511,000Source | 15,214,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | — | — | — | — | 991,000Source | 556,000Source | 3,387,000Source | 2,496,000Source | 2,412,000Source | 2,147,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | 0Source | -255,000Source | — | 0Source | — | — | 0Source | -487,000Source | -52,329,000Source | — |
| DepreciationUSD | — | — | 3,871,000Source | 3,431,000Source | 6,086,000Source | 3,657,000Source | 5,255,000Source | 3,644,000Source | 15,577,000Source | 13,676,000Source | 12,991,000Source | 14,411,000Source |
| Dividends PayableUSD | — | — | 24,975,000Source | 24,324,000Source | 24,912,000Source | 24,514,000Source | 24,888,000Source | 24,429,000Source | 25,000,000Source | 24,410,000Source | 24,168,000Source | 23,762,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | — | — | 236,000Source | 101,000Source | 4,710,000Source | -1,000Source | -401,000Source | 245,000Source | 375,000Source | 1,231,000Source | — | — |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | 0Source | 0Source | -4,234,000Source | 0Source | 0Source | 0Source | 0Source | 0Source | — | — |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | — | — | 236,000Source | 101,000Source | 476,000Source | -1,000Source | -401,000Source | 245,000Source | 375,000Source | 1,231,000Source | -47,000Source | -44,000Source |
| Gain (Loss) on Extinguishment of DebtUSD | — | — | — | 0Source | — | — | — | — | 0Source | 0Source | 242,000Source | 0Source |
| GoodwillUSD | — | — | 855,790,000Source | 852,493,000Source | 900,650,000Source | 854,817,000Source | 889,347,000Source | 854,522,000Source | 887,975,000Source | 853,225,000Source | 845,396,000Source | 841,841,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | — | — | -463,000Source | 0Source | -326,000Source | 0Source | -285,000Source | — | — | — |
| Income Tax Expense (Benefit)USD | — | — | 18,081,000Source | 13,129,000Source | 19,481,000Source | 14,706,000Source | 17,396,000Source | 14,654,000Source | 64,939,000Source | 54,224,000Source | 36,307,000Source | 52,233,000Source |
| Insurance Services RevenueUSD | — | — | 14,137,000Source | 13,652,000Source | 13,195,000Source | 13,388,000Source | 12,586,000Source | 14,201,000Source | 54,410,000Source | 50,249,000Source | 47,094,000Source | 39,810,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 55,088,000Source | 43,901,000Source | 61,334,000Source | 51,331,000Source | 57,218,000Source | 49,614,000Source | 210,455,000Source | 182,481,000Source | 131,924,000Source | 188,081,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 54,846,000Source | 43,709,000Source | 61,180,000Source | 51,091,000Source | 57,022,000Source | 49,416,000Source | 209,582,000Source | 181,741,000Source | 131,477,000Source | 187,548,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | 6,119,000Source | 2,337,000Source | 5,277,000Source | 7,091,000Source | 1,015,000Source | 1,184,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 18,097,000Source | 12,315,000Source | 52,608,000Source | 59,688,000Source | 597,823,000Source | 262,256,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 5,564,000Source | 7,709,000Source | 4,607,000Source | 4,117,000Source | 5,636,000Source | 6,690,000Source | 21,350,000Source | 22,773,000Source | 11,203,000Source | 14,773,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | — | 7,709,000Source | — | — | — | — | — | — | 11,203,000Source | 14,773,000Source |
| Gain (Loss) on Investments | — | — | — | — | — | — | — | — | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 207,052,000Source | 188,942,000Source | 223,155,000Source | 199,256,000Source | 213,286,000Source | 196,248,000Source | 818,007,000Source | 746,303,000Source | — | — |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 73,169,000Source | 57,030,000Source | 80,815,000Source | 66,037,000Source | 74,614,000Source | 64,268,000Source | 275,394,000Source | 236,705,000Source | 168,231,000Source | 240,314,000Source |
| Income Tax Expense (Benefit)USD | — | — | 18,081,000Source | 13,129,000Source | 19,481,000Source | 14,706,000Source | 17,396,000Source | 14,654,000Source | 64,939,000Source | 54,224,000Source | 36,307,000Source | 52,233,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 55,088,000Source | 43,901,000Source | 61,334,000Source | 51,331,000Source | 57,218,000Source | 49,614,000Source | 210,455,000Source | 182,481,000Source | 131,924,000Source | 188,081,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.04Source | 0.83Source | 1.16Source | 0.97Source | 1.08Source | 0.94Source | 3.98Source | 3.44Source | 2.45Source | 3.48Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.04Source | 0.83Source | 1.16Source | 0.97Source | 1.08Source | 0.93Source | 3.97Source | 3.44Source | 2.45Source | 3.46Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 52,689,000Source | 52,520,000Source | 52,613,000Source | 52,785,000Source | 52,655,000Source | 52,715,000Source | 52,700,000Source | 52,755,000Source | 53,601,000Source | 53,896,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 52,804,000Source | 52,680,000Source | 52,783,000Source | 52,869,000Source | 52,785,000Source | 52,919,000Source | 52,821,000Source | 52,883,000Source | 53,725,000Source | 54,208,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 3,258,000Source | 3,369,000Source | 4,408,000Source | 3,369,000Source | 4,246,000Source | 3,482,000Source | 13,846,000Source | 14,259,000Source | 14,511,000Source | 15,214,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | — | — | — | — | 991,000Source | 556,000Source | 3,387,000Source | 2,496,000Source | 2,412,000Source | 2,147,000Source |
| Business Combination, Acquisition Related CostsUSD | — | — | 747,000Source | 66,000Source | 231,000Source | 1,525,000Source | 433,000Source | 1,000Source | 3,663,000Source | 213,000Source | 63,000Source | 5,021,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.47Source | 0.46Source | 0.47Source | 0.46Source | 0.47Source | 0.46Source | 1.86Source | 1.82Source | 1.78Source | 1.74Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | — | — | 0Source | 0Source | -4,234,000Source | 0Source | 0Source | 0Source | 0Source | 0Source | — | — |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | — | — | -463,000Source | 0Source | -326,000Source | 0Source | -285,000Source | — | — | — |
| Insurance Services RevenueUSD | — | — | 14,137,000Source | 13,652,000Source | 13,195,000Source | 13,388,000Source | 12,586,000Source | 14,201,000Source | 54,410,000Source | 50,249,000Source | 47,094,000Source | 39,810,000Source |
| Interest ExpenseUSD | — | — | 49,118,000Source | 51,155,000Source | 45,208,000Source | 48,130,000Source | 45,275,000Source | 47,435,000Source | 192,725,000Source | 194,411,000Source | 104,103,000Source | 23,099,000Source |
| InterestExpenseOperatingUSD | — | — | 49,118,000Source | 51,155,000Source | 45,208,000Source | 48,130,000Source | 45,275,000Source | 47,435,000Source | 192,725,000Source | 194,411,000Source | — | — |
| Interest Expense, Securities Sold under Agreements to RepurchaseUSD | — | — | — | — | — | — | — | — | 3,061,000Source | 4,584,000Source | 3,094,000Source | — |
| Interest Income (Expense), NetUSD | — | — | 128,165,000Source | 112,745,000Source | 139,144,000Source | 124,748,000Source | 134,712,000Source | 120,212,000Source | 506,550,000Source | 449,117,000Source | 437,285,000Source | 420,630,000Source |
| Labor and Related ExpenseUSD | — | — | 76,532,000Source | 78,022,000Source | 82,431,000Source | 79,021,000Source | 80,322,000Source | 76,442,000Source | 313,915,000Source | 300,779,000Source | 281,803,000Source | 257,339,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 54,846,000Source | 43,709,000Source | 61,180,000Source | 51,091,000Source | 57,022,000Source | 49,416,000Source | 209,582,000Source | 181,741,000Source | 131,477,000Source | 187,548,000Source |
| Other Cost and Expense, OperatingUSD | — | — | — | — | — | — | — | — | — | — | 447,868,000Source | 404,333,000Source |
| Revenue Not from Contract with Customer, OtherUSD | — | — | 236,000Source | -154,000Source | 4,710,000Source | -1,000Source | -401,000Source | 245,000Source | 375,000Source | 744,000Source | — | — |
| Gain (Loss) on Investments | — | — | — | — | — | — | — | — | — | — | — | — |
Filing attachments
tm2628320d1_ex99-1.htm · 8-K · 2026-10-27
Exhibit 99.1 News Release For further information, please contact: 333 Marya Burgio Wlos, Butternut Drive, Syracuse, N.Y. 13214 EVP & Chief Financial Officer Office: (315) 299-2946 Community Financial System, Inc. Reports Third Quarter 2026 Results SYRACUSE, N.Y. - October 27, 2026 - Community Financial Syste…
Read attachment ↗tm2621422d1_ex99-1.htm · 8-K · 2026-07-28
EX-99.1 2 tm2621422d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 News Release For further information, please contact: 333 Marya Burgio Wlos, Butternut Drive, Syracuse, N.Y. 13214 EVP & Chief Financial Officer Office: (315) 299-2946 Community Financial System, Inc. Reports Second Quarter 2026 Results SYRACUSE, …
Read attachment ↗cbu-20251231xex99d1.htm · 11-K · 2026-06-18
Table of Contents Exhibit 99.1 COMMUNITY FINANCIAL SYSTEM, INC. 401(K) EMPLOYEE STOCK OWNERSHIP PLAN FINANCIAL STATEMENTS AND SUPPLEMENTAL SCHEDULE * * * Table of Contents Community Financial System, Inc. 401(k) Employee Stock Ownership Plan ──────────────────────────────────────────────────────────────────────────────────────── Page(s) Report of Independent Registered Public Accounting Firm …
Read attachment ↗tm2615918d1_ex99-1.htm · 8-K · 2026-06-01
EX-99.1 2 tm2615918d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 News Release For further information, please contact: 333 Marya Butternut Drive Burgio Wlos, EVP & Chief Financial Officer Syracuse, N.Y. 13214 Office: (315) 299-2946 Community Financial System, Inc. Completes Acquisition of ClearPoint Fe…
Read attachment ↗tm2613014d1_ex99-1.htm · 8-K · 2026-04-29
EX-99.1 2 tm2613014d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 News Release For further information, please contact: 333 Butternut Drive, Syracuse, N.Y. 13214 Marya Burgio Wlos, EVP & Chief Financial Officer Office: (315) 299-2946 Community Financial System, Inc. Reports First Quarter 2026 Results SYRACUSE, N.Y. - April 29, 2026 - Commun…
Read attachment ↗cbu-20251231xex4d5.htm · 10-K · 2026-02-27
Exhibit 4.5 DESCRIPTION OF COMMUNITY FINANCIAL SYSTEM, INC.’S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 As of December 31, 2025, Community Financial System, Inc. (the “Company” or “our”) had one class of securities, our common stock, par value $1.00 per share (“Common Stock”), registered under Section 12 of the Securities Exchange Act of 1934, as amended. The Common Stock is listed on the New York Stock Exchange under the symbol “CBU.” The following d…
Read attachment ↗