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