# Community Financial System, Inc.: overview

CBU · NYSE · CIK 723188 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/cbu.md) · [Financials](/companies/cbu/financials.md) · [Filings](/companies/cbu/filings.md) · [Insiders](/companies/cbu/insiders.md)

Latest reported revenue: [$223.2m](/filings/0001104659-26-092717.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 7, 2026 (XBRL us-gaap:Revenues, accession 0001104659-26-092717).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [189](/filings/0001104659-25-107791.md) | [196 d](/filings/0001410578-25-000247.md) | [196](/filings/0001104659-26-057940.md) | [199](/filings/0001104659-26-092717.md) | [207](/filings/0001104659-25-107791.md) | [215 d](/filings/0001104659-26-021651.md) | [213](/filings/0001104659-26-057940.md) | [223](/filings/0001104659-26-092717.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [23.2%](/filings/0001104659-25-107791.md) | [25.4% d](/filings/0001104659-26-021651.md) | [25.3%](/filings/0001104659-26-057940.md) | [25.8%](/filings/0001104659-26-092717.md) | [26.6%](/filings/0001104659-25-107791.md) | [25.3% d](/filings/0001104659-26-021651.md) | [26.8%](/filings/0001104659-26-057940.md) | [27.5%](/filings/0001104659-26-092717.md) |
| Diluted EPS | $ per share | [0.83](/filings/0001104659-25-107791.md) | not reported | [0.93](/filings/0001104659-26-057940.md) | [0.97](/filings/0001104659-26-092717.md) | [1.04](/filings/0001104659-25-107791.md) | not reported | [1.08](/filings/0001104659-26-057940.md) | [1.16](/filings/0001104659-26-092717.md) |
| Free cash flow | $m | [51.9 d](/filings/0001104659-25-107791.md) | [58.5 d](/filings/0001104659-26-021651.md) | [52.0](/filings/0001104659-26-057940.md) | [36.4 d](/filings/0001104659-26-092717.md) | [83.4 d](/filings/0001104659-25-107791.md) | [61.6 d](/filings/0001104659-26-021651.md) | [60.3](/filings/0001104659-26-057940.md) | [41.4 d](/filings/0001104659-26-092717.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | [679](/filings/0001410578-25-000247.md) | [652](/filings/0001104659-26-021651.md) | [746](/filings/0001410578-25-000247.md) | [818](/filings/0001104659-26-021651.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | [27.7%](/filings/0001410578-25-000247.md) | [20.2%](/filings/0001104659-26-021651.md) | [24.5%](/filings/0001104659-26-021651.md) | [25.7%](/filings/0001104659-26-021651.md) |
| Diluted EPS | $ per share | [3.48](/filings/0001410578-24-000095.md) | [3.46](/filings/0001410578-25-000247.md) | [2.45](/filings/0001104659-26-021651.md) | [3.44](/filings/0001104659-26-021651.md) | [3.97](/filings/0001104659-26-021651.md) |
| Free cash flow | $m | [189](/filings/0001410578-24-000095.md) | [202](/filings/0001410578-25-000247.md) | [210](/filings/0001104659-26-021651.md) | [222](/filings/0001104659-26-021651.md) | [233](/filings/0001104659-26-021651.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/cbu/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $507.2m | 7,556,770 |  | Added +42,948 |
| [FMR LLC](/funds/315066.md) | 2026-06-30 | $246.9m | 3,678,108 |  | Added +651,736 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $238.2m | 3,549,062 |  | Added +23,302 |
| [NEUBERGER BERMAN GROUP LLC](/funds/1465109.md) | 2026-06-30 | $232.0m | 3,456,640 |  | Reduced −258,785 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $223.9m | 3,313,651 |  | Added +163,311 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $158.7m | 2,364,665 |  | Reduced −9,474 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $123.7m | 1,843,474 |  | Added +25,079 |
| [MORGAN STANLEY](/funds/895421.md) | 2026-06-30 | $112.9m | 1,682,284 |  | Reduced −178,802 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $91.3m | 1,359,907 |  | Added +62,166 |
| [FEDERATED HERMES, INC.](/funds/1056288.md) | 2026-06-30 | $49.6m | 738,531 |  | Reduced −16,270 |

## Recent filings

[All 1,807 filings](/companies/cbu/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-27 | 09:00 ET | [8-K](/filings/0001104659-26-119002.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001104659-26-119002 |
| 2026-08-21 | 16:15 ET | [8-K](/filings/0001104659-26-099690.md) | 7.01 Regulation FD disclosure | 0001104659-26-099690 |
| 2026-08-07 | 16:16 ET | [10-Q](/filings/0001104659-26-092717.md) | Quarterly report, period 2026-06-30 | 0001104659-26-092717 |
| 2026-07-28 | 09:20 ET | [8-K](/filings/0001104659-26-087355.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001104659-26-087355 |
| 2026-06-01 | 07:00 ET | [8-K](/filings/0001104659-26-068535.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0001104659-26-068535 |
| 2026-05-22 | 17:00 ET | [8-K](/filings/0001104659-26-065800.md) | 5.07 Shareholder vote results | 0001104659-26-065800 |
| 2026-05-13 | 09:15 ET | [8-K](/filings/0001104659-26-059861.md) | 7.01 Regulation FD disclosure | 0001104659-26-059861 |
| 2026-05-08 | 16:16 ET | [10-Q](/filings/0001104659-26-057940.md) | Quarterly report, period 2026-03-31 | 0001104659-26-057940 |
| 2026-04-29 | 08:25 ET | [8-K](/filings/0001104659-26-050927.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001104659-26-050927 |
| 2026-03-27 | 07:00 ET | [DEF 14A](/filings/0001140361-26-011565.md) | Proxy statement, period 2026-05-20 | 0001140361-26-011565 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001104659-26-021651.md), filed Feb 27, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, locked when the 8-K was accepted. It is scored when the 10-Q or 10-K is ingested. [See the target](/leagues/2026q3/targets/29a02f5c-85bb-4a40-8b6e-bea926e78611)

## About the filer

- CIK: 723188
- Tickers: CBU
- Exchange: NYSE
- SIC code: 6021 National Commercial Banks
- State of incorporation: DE
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 27, 2026, 09:01 ET. No prices; not investment advice.