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Friday 6 November 2026 Export CBU’s income statement to Excel — free account

Community Financial System, Inc.

CBU Financial Banks Regional

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%
Market cap
$3.4B
P/E
14.7×
Fwd P/E
13.6×
Dividend yield
2.93%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Community Financial System, Inc. (CBU) Debt to equity

Alert me on Debt to equity

Community Financial System, Inc.'s debt to equity at the end of the quarter to 30 September 2026 was 0.2×, down 0.0× from fiscal 2025 (0.2×). Over the past ten years it has ranged from 0.0× (fiscal 2021) to 0.5× (fiscal 2022); the current reading is higher than 64% of that period. That is above the Banks Regional industry median of 0.2× and above the Financial sector median of 0.2×.

Debt to equity, annual

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Annual newest first

Period Debt to equity Change
FY2025 0.2× (45.33%)
FY2024 0.4× 54.18%
FY2023 0.3× (46.78%)
FY2022 0.5× 20,292.00%
FY2021 0.0× (93.98%)
FY2020 0.0× (18.79%)
FY2019 0.1× (12.35%)
FY2018 0.1× (23.69%)
FY2017 0.1× (10.43%)
FY2016 0.1× (75.88%)

Quarterly newest first

Period Debt to equity Change
Sep 2026 0.2× (29.15%)
Jun 2026 0.3× 32.70%
Mar 2026 0.2× (3.59%)
Dec 2025 0.2× (17.76%)
43 more quarters

Against its own ten years

Low 0.0× High 0.5×
Ten-year median 0.1×
Current reading's percentile 64

Debt to equity against peers

Company Debt to equity
PRK Park National Corporation compare 0.0×
NIC Nicolet Bankshares Inc. compare 0.0×
TOWN Towne Bank compare 0.0×
MCHB Mechanics Bancorp compare 0.0×
FIBK First Interstate BancSystem, Inc. compare 0.1×
CBU Community Financial System, Inc. 0.2×
FFBC First Financial Bancorp. compare 0.3×
SBCF Seacoast Banking Corporation of Florida compare 0.4×
SFNC Simmons First National Corporation compare 0.5×
Banks Regional industry median 0.2×
Financial sector median 0.2×
Market median 0.1×

What Debt to equity is

Debt to Equity Ratio shows how much a company relies on borrowed money compared with the money its shareholders have in the business.

(Long Term Debt (Total) + Current Part of Debt) ÷ Shareholders Equity (Total)

The full definition of Debt to equity →

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