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Friday 6 November 2026
Export CBU’s income statement to Excel — free account
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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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
14.43 | 14.24 | 15.57 | 13.44 |
P/S ratio |
2.99 | 3.01 | 3.37 | 2.96 | |
P/FCF ratio |
12.87 | 12.73 | 14.21 | 12.66 | |
P/Operating CF |
35.79 | 43.16 | 69.17 | 61.64 | |
P/B ratio |
1.51 | 1.53 | 1.70 | 1.52 | |
Price to Tangible BV |
2.85 | 2.86 | 3.18 | 2.85 | |
EV/Sales |
3.11 | 2.85 | 3.67 | — | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | — | |
EV/Operating CF |
10.43 | 9.41 | 12.47 | — | |
EV/FCF |
13.38 | 12.06 | 15.47 | — | |
Quick Ratio |
0.02 | 0.04 | 0.02 | 0.03 | |
Current Ratio |
0.76 | 0.77 | 0.77 | 0.77 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
2.65% | 2.52% | 3.41% | 2.37% | |
Debt/Equity |
0.23 | 0.22 | 0.29 | 0.21 | |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | |
Operating CF/Net income |
1.56 | 1.25 | 0.83 | 0.00 | |
Capex/Depreciation |
(1.87) | (0.83) | (0.59) | — | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
53.05% | 51.99% | 51.40% | 52.30% | |
Intangible Assets out of Total Assets |
0.05 | 0.05 | 0.05 | 0.05 | |
Share Based Compensation of Revenue |
1.13% | 1.15% | 1.03% | 0.00% | |
Graham Net Nets |
(1.33) | (1.30) | (1.17) | (1.24) | |
Graham Number |
58.38 | 59.69 | 61.81 | 0.00 | |
Earnings Yield |
6.93% | 7.02% | 6.42% | 7.44% | |
Free Cash Flow Yield |
7.77% | 7.86% | 7.04% | 7.90% | |
Revenue per Share |
5.00 | 4.91 | 5.10 | 5.15 | |
Operating CF per Share |
1.60 | 1.36 | 0.97 | 0.00 | |
Capex per Share |
(0.43) | (0.21) | (0.16) | 0.00 | |
Free Cash Flow per Share |
1.17 | 1.15 | 0.82 | 0.00 | |
Cash per Share |
6.43 | 11.56 | 5.60 | 8.04 | |
Shareholders Equity per Share |
38.07 | 38.44 | 39.40 | 38.42 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
38.07 | 38.44 | 39.40 | 38.42 | |
Free Cash Flow |
61.74 | 60.30 | 42.88 | — | |
Working Capital |
(3,580.10) | (3,568.09) | (3,538.02) | (3,485.75) | |
Capital Expenditures |
(22.83) | (11.26) | (8.17) | — | |
Net Current Asset Value |
(4,038.87) | (4,014.41) | (4,144.53) | (3,906.72) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | — | |
Capex to Sales |
0.09 | 0.04 | 0.03 | 0.00 | |
Price to Operating Income |
10.99 | 10.81 | 11.75 | 10.21 | |
| Other line items | |||||
Average Payables |
13,914.40 | 14,381.09 | 14,206.09 | 14,460.98 | |
Average Assets |
16,844.67 | 17,254.58 | 17,214.40 | 17,372.89 | |
Average Common Equity |
1,884.43 | 1,929.03 | 1,977.93 | — |
Columns are period end dates · fundamentals updated 2 Nov 2026