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Friday 6 November 2026
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Community Financial System, Inc.
Community Financial System, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 7.44% from fiscal 2024.
- Revenue
- +6.18%
- EPS
- +11.5%
- Free cash flow
- +16.0%
- Total debt
- −21.9%
Quarter to September 2026, against a year earlier
64.94
0.79
−1.20%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
14.43 | 17.88 | 21.39 | 17.89 | 21.22 | 20.10 | 21.76 | 17.77 | 17.84 | 26.55 |
Piotroski F-Score |
8 | 7 | 7 | 5 | 5 | 6 | 6 | 7 | 6 | 7 |
P/S ratio |
2.99 | 3.46 | 3.71 | 4.78 | 6.34 | 5.34 | 5.95 | 5.08 | 4.95 | 6.19 |
P/FCF ratio |
12.87 | 14.32 | 12.93 | 16.44 | 21.24 | 20.00 | 18.66 | 14.30 | 14.72 | 22.13 |
P/Operating CF |
35.79 | 49.50 | 62.82 | 46.87 | 81.18 | 60.84 | 49.92 | 55.62 | 51.78 | 85.39 |
P/B ratio |
1.51 | 1.85 | 1.65 | 2.16 | 1.91 | 1.57 | 1.98 | 1.74 | 1.61 | 2.28 |
Price to Tangible BV |
2.85 | 3.78 | 3.51 | 5.17 | 3.25 | 2.62 | 3.60 | 3.29 | 3.25 | 3.80 |
EV/Sales |
3.11 | 4.03 | 4.09 | 5.60 | 3.39 | 2.82 | 5.78 | 4.89 | 4.77 | 6.02 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
10.43 | 15.66 | 13.53 | 18.34 | 10.62 | 9.71 | 17.58 | 12.97 | 13.37 | 19.56 |
EV/FCF |
13.38 | 16.70 | 14.22 | 19.29 | 11.36 | 10.56 | 18.10 | 13.76 | 14.18 | 21.55 |
Quick Ratio |
0.02 | 0.01 | 0.01 | 0.02 | 0.14 | 0.14 | 0.02 | 0.02 | 0.02 | 0.02 |
Current Ratio |
0.76 | 0.76 | 0.74 | 0.67 | 0.69 | 0.77 | 0.75 | 0.74 | 0.72 | 0.69 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.65% | 4.50% | 2.96% | 5.00% | 0.03% | 0.63% | 0.83% | 0.94% | 1.16% | 1.18% |
Debt/Equity |
0.23 | 0.42 | 0.27 | 0.51 | 0.00 | 0.04 | 0.05 | 0.06 | 0.08 | 0.09 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 |
Operating CF/Net income |
1.44 | 1.33 | 1.74 | 1.14 | 1.07 | 1.09 | 1.20 | 1.32 | 1.26 | 1.31 |
Capex/Depreciation |
(1.50) | (0.38) | (0.32) | (0.90) | (1.72) | (0.75) | (0.22) | (0.51) | (0.40) | (0.78) |
| 11.12% | 10.50% | 8.09% | 10.27% | 9.00% | 8.29% | 9.45% | 10.03% | 10.60% | 8.83% | |
| 1.24% | 1.14% | 0.84% | 1.20% | 1.28% | 1.30% | 1.53% | 1.57% | 1.55% | 1.20% | |
ROIC |
7.96% | 6.42% | 5.34% | 7.18% | 65.57% | 24.17% | 7.81% | 8.28% | 7.55% | 8.67% |
Return on Tangible Assets |
(6.22%) | (5.87%) | (3.94%) | (4.34%) | (4.67%) | (6.48%) | (7.60%) | (7.64%) | (6.27%) | (4.81%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
52.32% | 52.66% | 62.07% | 59.66% | 57.50% | 60.15% | 57.74% | 57.73% | 59.26% | 60.74% |
Intangible Assets out of Total Assets |
0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.08 | 0.08 | 0.06 |
Share Based Compensation of Revenue |
1.07% | 0.89% | 1.23% | 1.10% | 1.00% | 1.04% | 0.86% | 1.03% | 0.97% | 1.09% |
Graham Net Nets |
(1.33) | (1.23) | (1.42) | (1.57) | (1.05) | (0.84) | (0.68) | (0.81) | (1.00) | (0.87) |
Graham Number |
58.38 | 50.93 | 41.95 | 47.48 | 55.44 | 52.64 | 51.29 | 49.72 | 47.70 | 37.74 |
Earnings Yield |
6.93% | 5.59% | 4.67% | 5.59% | 4.71% | 4.98% | 4.60% | 5.63% | 5.61% | 3.77% |
Free Cash Flow Yield |
7.77% | 6.98% | 7.73% | 6.08% | 4.71% | 5.00% | 5.36% | 7.00% | 6.79% | 4.52% |
Revenue per Share |
19.18 | 17.83 | 14.11 | 13.03 | 11.74 | 11.66 | 11.91 | 11.47 | 10.89 | 10.00 |
Operating CF per Share |
5.73 | 4.59 | 4.26 | 3.98 | 3.75 | 3.39 | 3.91 | 4.33 | 3.88 | 3.08 |
Capex per Share |
(1.26) | (0.28) | (0.21) | (0.19) | (0.24) | (0.27) | (0.11) | (0.25) | (0.22) | (0.28) |
Free Cash Flow per Share |
4.47 | 4.31 | 4.05 | 3.79 | 3.51 | 3.12 | 3.80 | 4.08 | 3.66 | 2.80 |
Cash per Share |
5.73 | 3.73 | 3.56 | 3.89 | 34.74 | 31.07 | 3.96 | 4.14 | 4.53 | 3.94 |
Shareholders Equity per Share |
38.07 | 33.42 | 31.68 | 28.79 | 38.92 | 39.72 | 35.86 | 33.50 | 33.48 | 27.17 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
38.07 | 33.42 | 31.68 | 28.79 | 38.92 | 39.72 | 35.86 | 33.50 | 33.48 | 27.17 |
Free Cash Flow |
235.31 | 227.32 | 217.31 | 204.11 | 189.37 | 165.09 | 196.82 | 208.76 | 178.86 | 123.33 |
Working Capital |
(3,617.16) | (3,281.31) | (3,513.78) | (4,481.98) | (4,211.95) | (2,698.17) | (2,382.89) | (2,318.79) | (2,519.15) | (2,257.47) |
Capital Expenditures |
(66.55) | (14.96) | (11.11) | (10.49) | (13.18) | (14.39) | (5.69) | (12.65) | (10.82) | (12.44) |
Net Current Asset Value |
(4,075.93) | (4,018.62) | (3,974.39) | (5,273.11) | (4,217.12) | (2,785.45) | (2,477.75) | (2,418.71) | (2,644.03) | (2,359.64) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.07 | 0.02 | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.03 |
Price to Operating Income |
10.99 | 13.75 | 16.69 | 13.69 | 16.60 | 15.64 | 16.84 | 14.06 | 14.21 | 17.78 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.18 | 0.21 | 0.20 | 0.07 | 0.05 | 0.12 | 0.16 | 0.21 | 0.22 | 0.14 |
Cash ROIC |
8.51% | 8.43% | 9.25% | 8.00% | 4.76% | 4.30% | 9.13% | 10.31% | 9.03% | 8.37% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
27,247.55 | 25,236.35 | 45,327.84 | 205,614.67 | 362,282.98 | 196,268.94 | 123,650.31 | 171,833.09 | 223,672.95 | 228,741.76 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
13,914.40 | 13,184.92 | 12,970.22 | 12,961.74 | 12,068.07 | 10,109.97 | 8,658.67 | 8,383.40 | 7,760.19 | 6,974.71 |
Average Assets |
16,844.67 | 15,970.90 | 15,695.70 | 15,694.16 | 14,741.88 | 12,670.69 | 11,008.79 | 10,676.75 | 9,706.32 | 8,609.55 |
Average Common Equity |
1,884.43 | 1,730.39 | 1,624.82 | 1,826.26 | 2,102.46 | 1,979.67 | 1,784.51 | 1,674.55 | 1,416.71 | 1,169.37 |
Columns are period end dates · fundamentals updated 2 Nov 2026