CBU
Community Bank System Inc
NYSE: CBU · FINANCIAL SERVICES · BANKS - REGIONAL
$62.23
-1.49% today
Updated 2026-04-29
Market cap
$3.27B
P/E ratio
15.68
P/S ratio
4.10x
EPS (TTM)
$3.97
Dividend yield
—
52W range
$50 – $67
Volume
0.2M
Community Bank System Inc (CBU) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $281.18M | $309.52M | $324.33M | $332.32M | $337.07M | $360.28M | $380.65M | $453.68M | $375.24M | $382.92M | $440.81M | $531.88M | $587.11M | $616.35M | $617.28M | $633.65M | $702.45M | $755.98M | $940.71M | $928.71M |
| Revenue growth (YoY) | — | +10.1% | +4.8% | +2.5% | +1.4% | +6.9% | +5.7% | +19.2% | -17.3% | +2.0% | +15.1% | +20.7% | +10.4% | +5.0% | +0.2% | +2.7% | +10.9% | +7.6% | +24.4% | -1.3% |
| Cost of revenue | $103.68M | $122.27M | $109.08M | $93.07M | $73.80M | $66.29M | $60.08M | $34.06M | $18.97M | $17.65M | $19.37M | $24.76M | $28.52M | $34.98M | $35.09M | $4.17M | $37.87M | $115.31M | $217.18M | $246.71M |
| Gross profit | $177.50M | $187.26M | $215.25M | $239.25M | $263.27M | $293.99M | $320.56M | $419.62M | $356.27M | $365.27M | $421.44M | $507.11M | $558.60M | $581.36M | $582.19M | $629.49M | $664.58M | $640.67M | $723.53M | $682.00M |
| Gross margin | 63.1% | 60.5% | 66.4% | 72.0% | 78.1% | 81.6% | 84.2% | 92.5% | 94.9% | 95.4% | 95.6% | 95.3% | 95.1% | 94.3% | 94.3% | 99.3% | 94.6% | 84.7% | 76.9% | 73.4% |
| R&D | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $67.10M | $75.71M | $111.11M | $132.47M | $123.43M | $131.97M | $145.28M | $158.77M | $162.54M | $167.22M | $190.90M | $224.48M | $246.46M | $261.32M | $228.38M | $241.50M | $257.34M | $281.80M | $300.78M | $236.21M |
| Operating income | $50.30M | $45.18M | $56.69M | $53.07M | $86.39M | $103.53M | $108.81M | $111.03M | $129.69M | $132.22M | $154.60M | $159.97M | $212.99M | $209.34M | $206.08M | $241.35M | $240.31M | $168.23M | $236.71M | $291.65M |
| Operating margin | 17.9% | 14.6% | 17.5% | 16.0% | 25.6% | 28.7% | 28.6% | 24.5% | 34.6% | 34.5% | 35.1% | 30.1% | 36.3% | 34.0% | 33.4% | 38.1% | 34.2% | 22.3% | 25.2% | 31.4% |
| EBITDA | $66.19M | $54.19M | $73.06M | $71.54M | $103.33M | $120.15M | $125.58M | $128.26M | $147.50M | $149.42M | $174.99M | $193.43M | $247.34M | $241.56M | $236.72M | $271.51M | $270.74M | $196.58M | $265.36M | $317.25M |
| EBITDA margin | 23.5% | 17.5% | 22.5% | 21.5% | 30.7% | 33.3% | 33.0% | 28.3% | 39.3% | 39.0% | 39.7% | 36.4% | 42.1% | 39.2% | 38.3% | 42.8% | 38.5% | 26.0% | 28.2% | 34.2% |
| EBIT | $50.30M | $45.18M | $56.69M | $53.07M | $86.39M | $103.53M | $108.81M | $111.03M | $129.69M | $132.22M | $154.60M | $159.97M | $212.99M | $209.34M | $206.08M | $241.35M | $240.31M | $168.23M | $236.71M | $291.65M |
| Interest expense | $97.09M | $120.26M | $102.35M | $83.28M | $66.60M | $61.56M | $50.98M | $26.07M | $11.79M | $11.20M | $11.29M | $13.78M | $17.68M | $26.55M | $20.88M | $13.01M | $23.10M | $104.10M | $194.41M | $192.72M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $38.38M | $42.89M | $45.94M | $41.45M | $63.32M | $73.14M | $77.07M | $78.83M | $91.35M | $91.23M | $103.81M | $150.72M | $168.64M | $169.06M | $164.68M | $189.69M | $188.08M | $131.92M | $182.48M | $210.46M |
| Net income growth (YoY) | — | +11.8% | +7.1% | -9.8% | +52.8% | +15.5% | +5.4% | +2.3% | +15.9% | -0.1% | +13.8% | +45.2% | +11.9% | +0.3% | -2.6% | +15.2% | -0.9% | -29.9% | +38.3% | +15.3% |
| Profit margin | 13.6% | 13.9% | 14.2% | 12.5% | 18.8% | 20.3% | 20.2% | 17.4% | 24.3% | 23.8% | 23.6% | 28.3% | 28.7% | 27.4% | 26.7% | 29.9% | 26.8% | 17.5% | 19.4% | 22.7% |