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Community Financial System, Inc.

NYSE•CBU
CEO: Mr. Dimitar A. Karaivanov
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1985-11-26
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Financial System, Inc. was founded in 1866 and is headquartered in Dewitt, New York.
Contact Information
5790 Widewaters Parkway, Dewitt, NY, 13214-1883, United States
315-445-2282
communityfinancialsystem.com
Market Cap
$3.03B
P/E (TTM)
15.3
13.4
Dividend Yield
3.2%
52W High
$67.50
52W Low
$49.44
52W Range
44%
Rank34Top 27.8%
4.7
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$181.47M-26.31%
4-Quarter Trend

EPS

$1.03+9.57%
4-Quarter Trend

FCF

$46.16M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Profit Growth Achieved Net income rose 15.3% to $210.5M in 2025, driven by strong net interest income growth across all segments.
NIM Expansion Continues Net Interest Margin grew 25 basis points to 3.29%, supported by higher average loan yields and lower funding costs.
Asset Quality Remains Solid Provision for credit losses decreased 6.2% to $21.4M; ACL coverage ratio improved significantly to 156% year-over-year.
Strategic Branch Acquisition Completed acquisition of seven Santander branches, adding $543.7M in deposits and $31.9M in loans during Q4 2025.

Risk Factors

Interest Rate Profitability Risk Rate changes affect NII; sensitivity analysis models potential earnings fluctuations based on various interest rate scenarios.
Commercial Real Estate Credit Potential deterioration in the CRE market could negatively affect loan loss allowance adequacy and asset quality metrics.
Liquidity Funding Pressures Risk of deposit outflows due to competition or market volatility, impacting funding stability and reliance on borrowings.
Regulatory Compliance Costs Subject to extensive federal oversight (FRB, OCC, SEC), increasing operational costs from new rules implementation.

Outlook

NIM Outlook Sensitivity Future NII highly dependent on interest rate movements; models show positive impact from rising rates over 12 months.
ACL Macroeconomic Reliance Future credit costs rely heavily on management's weighted forecasts for unemployment, GDP growth, and housing prices.
Branch Network Optimization Strategy focuses on optimizing footprint via de novo expansion and branch consolidation efforts to align with digital trends.
Cybersecurity Threat Evolution Expecting increased frequency and sophistication of cyberattacks, requiring continuous investment in security and AI governance.

Peer Comparison

Revenue (TTM)

BMA stock ticker logoBMA
$4.01T
-43.6%
BKU stock ticker logoBKU
$2.14B
+5.8%
FULT stock ticker logoFULT
$1.89B
+5.1%

Gross Margin (Latest Quarter)

BMA stock ticker logoBMA
65349.8%
-18.7pp
FIBK stock ticker logoFIBK
97.7%
+36.7pp
WSFS stock ticker logoWSFS
75.9%
+2.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BMA$4.26B39.04.7%6.4%
FULT$3.54B9.211.6%4.0%
WSFS$3.43B11.910.6%1.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-9.4%
Growth Under Pressure
4Q Net Income CAGR
3.1%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 27, 2026
|
EPS:$1.09
|
Revenue:$216.37M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data