COMMUNITY FINANCIAL SYSTEM, INC.
About COMMUNITY FINANCIAL SYSTEM, INC.
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.
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Financial summary
- Revenue FY2025
- $818.0M
- Net income
- $210.5M
- Total assets
- $17.3B
- Market cap
- $3.3B
- Operating margin
- 33.7%
- Net margin
- 25.7%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $818.0M
- Operating expenses
- $542.6M
- Operating income
- $275.4M
- Income tax
- $64.9M
- Net income
- $210.5M
- EPS (basic)
- $3.98
- EPS (diluted)
- $3.97
Balance sheet
- Total assets
- $17.3B
- Current assets
- $17.3B
- Total liabilities
- $15.3B
- Current liabilities
- $15.3B
- Shareholders’ equity
- $2.0B
Cash flow
- Operating cash flow
- $301.9M
- Investing cash flow
- -$182.1M
- Financing cash flow
- -$15.0M
- Net cash flow
- $104.8M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $3.3B
- P/E ratio
- 16.1
- EPS (diluted)
- $3.97
- Dividend yield
- 2.94%
- Shares outstanding
- 52.3M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jul 18, 1984
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $210.5M in FY2025.
- Revenue grew 111% from FY2021 to FY2025.
- Trading 4% below its 52-week high.
- Pays a dividend yielding about 2.94% annually.
- Valued at a price-to-earnings (P/E) ratio of 16.1.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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