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) Return on invested capital
Community Financial System, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 9.50%, up 1.5 percentage points from fiscal 2025 (7.96%). Over the past ten years it has ranged from 5.34% (fiscal 2023) to 65.6% (fiscal 2021); the current reading is higher than 64% of that period. That is above the Banks Regional industry median of 8.45% and above the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 7.96% | 1.54 |
| FY2024 | 6.42% | 1.08 |
| FY2023 | 5.34% | (1.84) |
| FY2022 | 7.18% | (58.39) |
| FY2021 | 65.6% | 41.40 |
| FY2020 | 24.2% | 16.36 |
| FY2019 | 7.81% | (0.47) |
| FY2018 | 8.28% | 0.73 |
| FY2017 | 7.55% | (1.12) |
| FY2016 | 8.67% | 2.41 |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| TOWN Towne Bank compare | 19.6% |
| PRK Park National Corporation compare | 13.2% |
| FIBK First Interstate BancSystem, Inc. compare | 11.6% |
| MCHB Mechanics Bancorp compare | 11.0% |
| NIC Nicolet Bankshares Inc. compare | 9.55% |
| CBU Community Financial System, Inc. | 9.50% |
| FFBC First Financial Bancorp. compare | 7.45% |
| SBCF Seacoast Banking Corporation of Florida compare | 5.28% |
| SFNC Simmons First National Corporation compare | 4.71% |
| Banks Regional industry median | 8.45% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
More on CBU
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- 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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement