stockrowCommunity 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
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Community Financial System, Inc. (CBU) Gross margin
Community Financial System, Inc.'s gross margin over the twelve months to 30 September 2026 was 82.8%, up 1.8 percentage points from fiscal 2025 (80.9%). Over the past ten years it has ranged from 79.3% (fiscal 2024) to 98.0% (fiscal 2021); the current reading is higher than 18% of that period. That is above the Banks Regional industry median of 69.8% and above the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 80.9% | 1.60 |
| FY2024 | 79.3% | (6.90) |
| FY2023 | 86.2% | (10.48) |
| FY2022 | 96.7% | (1.24) |
| FY2021 | 98.0% | 1.33 |
| FY2020 | 96.6% | 0.93 |
| FY2019 | 95.7% | (1.30) |
| FY2018 | 97.0% | (0.42) |
| FY2017 | 97.4% | (0.03) |
| FY2016 | 97.4% | 0.37 |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 83.6% | 0.41 |
| Jun 2026 | 83.2% | 0.66 |
| Mar 2026 | 82.5% | 0.72 |
| Dec 2025 | 81.8% | 0.94 |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| PRK Park National Corporation compare | 84.7% |
| CBU Community Financial System, Inc. | 82.8% |
| TOWN Towne Bank compare | 79.3% |
| FIBK First Interstate BancSystem, Inc. compare | 79.0% |
| MCHB Mechanics Bancorp compare | 78.1% |
| NIC Nicolet Bankshares Inc. compare | 74.2% |
| FFBC First Financial Bancorp. compare | 74.0% |
| SBCF Seacoast Banking Corporation of Florida compare | 71.8% |
| SFNC Simmons First National Corporation compare | 69.9% |
| Banks Regional industry median | 69.8% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on CBU
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement