Community Bank System, Inc.
Financial ServicesNYSE:CBU · New York Stock Exchange
+$0.83 today
Vol 0.30M · Avg 0.24M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$1.0B of revenue converted into $218.1M of net income for the selected period. Gross margin is 79.4% and net margin is 21.3%, showing how much revenue survives after costs and taxes. EPS is $4.12, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.0B +7.5% | $940.7M +24.4% | $756.0M +7.6% | $702.5M +10.9% | $633.7M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $214.1M -1.4% | $217.2M +88.4% | $115.3M +204.5% | $37.9M +808.4% | $4.2M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $796.9M +10.1% | $723.5M +12.9% | $640.7M -3.6% | $664.6M +5.6% | $629.5M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 78.8% +1.9pp | 76.9% -7.8pp | 84.7% -9.9pp | 94.6% -4.7pp | 99.3% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $329.1M +3.9% | $316.8M +6.5% | $297.5M +10.0% | $270.4M +7.8% | $250.8M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $521.5M +7.1% | $486.8M +3.0% | $472.4M +11.4% | $424.3M +9.3% | $388.1M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $30.2M +5.4% | $28.7M +1.1% | $28.4M -6.8% | $30.4M +0.9% | $30.2M | $374.2M | $1.2B | $631.8M |
| EBITDA | $305.6M +15.2% | $265.4M +35.0% | $196.6M -27.4% | $270.7M -0.3% | $271.5M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 30.2% +2.0pp | 28.2% +2.2pp | 26.0% -12.5pp | 38.5% -4.3pp | 42.8% | 5.6% | 46.3% | 42.0% |
| Operating Income | $275.4M +16.3% | $236.7M +40.7% | $168.2M -30.0% | $240.3M -0.4% | $241.3M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 27.2% +2.1pp | 25.2% +2.9pp | 22.3% -12.0pp | 34.2% -3.9pp | 38.1% | 16.6% | 24.1% | 22.0% |
| Interest Income | $699.3M +8.7% | $643.5M +18.9% | $541.4M +22.0% | $443.7M +14.5% | $387.4M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $192.7M -0.9% | $194.4M +86.7% | $104.1M +350.7% | $23.1M +77.6% | $13.0M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $275.4M +16.3% | $236.7M +40.7% | $168.2M -30.0% | $240.3M -0.4% | $241.3M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 27.2% +2.1pp | 25.2% +2.9pp | 22.3% -12.0pp | 34.2% -3.9pp | 38.1% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $64.9M +19.8% | $54.2M +49.3% | $36.3M -30.5% | $52.2M +1.1% | $51.7M | $1.3B | -$1.6B | $745.2M |
| Net Income | $210.5M +15.3% | $182.5M +38.3% | $131.9M -29.9% | $188.1M -0.9% | $189.7M | $4.9B | $4.8B | $4.7B |
| Net Margin | 20.8% +1.4pp | 19.4% +1.9pp | 17.5% -9.3pp | 26.8% -3.2pp | 29.9% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $4 +15.7% | $3 +40.4% | $2 -29.6% | $3 -0.9% | $4 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $4 +15.4% | $3 +40.4% | $2 -29.2% | $3 -0.6% | $3 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $52.7M -0.1% | $52.8M -1.6% | $53.6M -0.5% | $53.9M -0.2% | $54.0M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $52.8M -0.1% | $52.9M -1.6% | $53.7M -0.9% | $54.2M -0.4% | $54.4M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Fulton Financial Corporation
NASDAQ:FULT
$4.46B
Cathay General Bancorp
NASDAQ:CATY
$4.09B
Renasant Corporation
NYSE:RNST
$3.95B
WSFS Financial Corporation
NASDAQ:WSFS
$3.92B
BankUnited, Inc.
NYSE:BKU
$3.56B
WesBanco, Inc.
NASDAQ:WSBC
$3.54B
First Hawaiian, Inc.
NASDAQ:FHB
$3.49B
FB Financial Corporation
NYSE:FBK
$2.83B
The Bancorp, Inc.
NASDAQ:TBBK
$2.39B
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does CBU generate?
Community Bank System, Inc. (CBU) reported $1.01B of revenue in fiscal 2025.
Is CBU profitable?
Community Bank System, Inc. (CBU) reported $210.46M of net income, with a net margin of 20.8%.
Explore More
Continue the stock analysis
Jump to another research area for this company.