Community Bank System, Inc. (CBU) Income Statement
CBU 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCBU revenue and net income
Where CBU's revenue goes
2025Each bar shows an amount and its share of revenue. CBU kept 20.8% of revenue as net income.
CBU profit margins
CBU growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +7.5% | +12.9% | +10.4% | +10.2% |
| Gross profit | +10.1% | +6.2% | +6.5% | +8.1% |
| Operating income | +16.3% | +4.6% | +6.0% | +7.6% |
| Net income | +15.3% | +3.8% | +5.0% | +8.7% |
| EPS (diluted) | +17.8% | +4.1% | +4.6% | +5.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CBU quarterly EPS vs estimates
Community Bank System beat the analyst EPS estimate in 3 of the last 8 quarters. Next report: October 27, 2026 (estimate $1.19).
CBU income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.01B | $940.7M | $756.0M | $702.5M | $633.7M | $617.3M | $616.3M | $587.1M | $531.9M | $440.8M |
| Cost of revenue | $214.1M | $217.2M | $115.3M | $37.9M | $4.2M | $35.1M | $35.0M | $28.5M | $24.8M | $19.4M |
| Gross profit | $796.9M | $723.5M | $640.7M | $664.6M | $629.5M | $582.2M | $581.4M | $558.6M | $507.1M | $421.4M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $329.1M | $316.8M | $297.5M | $270.4M | $250.8M | $237.8M | $272.7M | $255.8M | $234.5M | $198.4M |
| Total operating expenses | $521.5M | $486.8M | $472.4M | $424.3M | $388.1M | $376.1M | $372.0M | $345.6M | $347.1M | $266.8M |
| Operating income | $275.4M | $236.7M | $168.2M | $240.3M | $241.3M | $206.1M | $209.3M | $213.0M | $160.0M | $154.6M |
| Interest income | $699.3M | $643.5M | $519.0M | $443.7M | $387.4M | $389.3M | $385.7M | $362.7M | $329.5M | $285.2M |
| Interest expense | $192.7M | $194.4M | $104.1M | $23.1M | $13.0M | $20.9M | $26.6M | $17.7M | $13.8M | $11.3M |
| Income before taxes | $275.4M | $236.7M | $168.2M | $240.3M | $241.3M | $206.1M | $209.3M | $213.0M | $160.0M | $154.6M |
| Income taxes | $64.9M | $54.2M | $36.3M | $52.2M | $51.7M | $41.4M | $40.3M | $44.3M | $9.2M | $50.8M |
| Net income | $210.5M | $182.5M | $131.9M | $188.1M | $189.7M | $164.7M | $169.1M | $168.6M | $150.7M | $103.8M |
| EBITDA | $305.6M | $265.4M | $196.6M | $270.7M | $271.5M | $236.7M | $241.6M | $247.3M | $193.4M | $175.0M |
| EPS (diluted) | $4.04 | $3.43 | $3.35 | $3.58 | $3.49 | $3.23 | $3.28 | $3.24 | $2.26 | $2.33 |
| Gross margin | 78.8% | 76.9% | 84.7% | 94.6% | 99.3% | 94.3% | 94.3% | 95.1% | 95.3% | 95.6% |
| Operating margin | 27.2% | 25.2% | 22.3% | 34.2% | 38.1% | 33.4% | 34.0% | 36.3% | 30.1% | 35.1% |
| Net margin | 20.8% | 19.4% | 17.5% | 26.8% | 29.9% | 26.7% | 27.4% | 28.7% | 28.3% | 23.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $268.4M | $258.6M | $263.8M | $256.2M | $247.4M | $243.7M | $246.2M | $240.1M | $231.4M | $222.9M | $214.1M | $205.1M |
| Cost of revenue | $49.8M | $50.9M | $53.0M | $54.7M | $52.2M | $54.1M | $56.2M | $58.9M | $50.3M | $51.8M | $41.2M | $32.6M |
| Gross profit | $218.5M | $207.7M | $210.8M | $201.5M | $195.1M | $189.6M | $190.1M | $181.2M | $181.1M | $171.1M | $172.9M | $172.5M |
| Sales, general & admin | $6.9M | $97.7M | $85.3M | $81.1M | $83.0M | $79.6M | $80.8M | $82.4M | $77.6M | $76.1M | $75.2M | $75.3M |
| Total operating expenses | $137.7M | $133.0M | $138.8M | $128.3M | $129.1M | $125.3M | $125.5M | $124.2M | $119.0M | $118.1M | $129.1M | $116.5M |
| Operating income | $80.8M | $74.6M | $71.9M | $73.2M | $66.0M | $64.3M | $64.5M | $57.0M | $62.1M | $53.0M | $43.8M | $56.0M |
| Interest income | $184.4M | $180.0M | $181.5M | $177.3M | $172.9M | $167.6M | $169.9M | $163.9M | $157.0M | $152.7M | $146.3M | $137.6M |
| Interest expense | $45.2M | $45.3M | $48.0M | $49.1M | $48.1M | $47.4M | $50.0M | $51.2M | $47.6M | $45.7M | $37.1M | $29.8M |
| Income before taxes | $80.8M | $74.6M | $71.9M | $73.2M | $66.0M | $64.3M | $64.5M | $57.0M | $62.1M | $53.0M | $43.8M | $56.0M |
| Income taxes | $19.5M | $17.4M | $17.5M | $18.1M | $14.7M | $14.7M | $14.7M | $13.1M | $14.2M | $12.2M | $10.1M | $11.9M |
| Net income | $61.3M | $57.2M | $54.4M | $55.1M | $51.3M | $49.6M | $49.8M | $43.9M | $47.9M | $40.9M | $33.7M | $44.1M |
| EBITDA | $91.3M | $84.1M | $80.3M | $80.5M | $73.3M | $71.6M | $71.7M | $64.0M | $69.5M | $60.1M | $50.8M | $63.0M |
| EPS (diluted) | $1.16 | $1.08 | $1.07 | $1.05 | $0.99 | $0.93 | $0.94 | $0.83 | $0.90 | $0.76 | $0.76 | $0.82 |
| Gross margin | 81.4% | 80.3% | 79.9% | 78.7% | 78.9% | 77.8% | 77.2% | 75.5% | 78.2% | 76.8% | 80.8% | 84.1% |
| Operating margin | 30.1% | 28.9% | 27.3% | 28.6% | 26.7% | 26.4% | 26.2% | 23.8% | 26.8% | 23.8% | 20.5% | 27.3% |
| Net margin | 22.9% | 22.1% | 20.6% | 21.5% | 20.7% | 20.4% | 20.2% | 18.3% | 20.7% | 18.3% | 15.7% | 21.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CBU's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CBU financial results
In fiscal year 2025 (ended December 31, 2025), Community Bank System reported revenue of $1.0 billion, up 7.5% from the year before. It had net income of $210.5 million (up 15.3%), a net profit margin of 20.8%. Diluted earnings per share came to $4.04. Over five years revenue grew at an average rate of 10.4% a year.
See the CBU stock overview for the latest quote and news, or the CBU chart for price history and technical indicators.
CBU income statement FAQ
What is Community Bank System's annual revenue?
Community Bank System reported total revenue of $1.0 billion for fiscal year 2025, which ended on December 31, 2025. That was up 7.5% from $940.7 million the previous year.
Is Community Bank System profitable?
Yes. Community Bank System reported net income of $210.5 million in fiscal 2025, a net profit margin of 20.8%; its operating margin was 27.2%.
What is Community Bank System's gross margin?
Community Bank System's gross margin was 78.8% in fiscal 2025: for every $100 of revenue, Community Bank System kept $79 after the direct cost of its products and services.
How fast is Community Bank System growing?
Revenue grew 10.4% a year on average over the last five fiscal years, from $617.3 million to $1.0 billion.
What are Community Bank System's earnings per share?
Community Bank System earned $4.04 per diluted share in fiscal 2025, compared with $3.43 a year earlier.
When will Community Bank System report its next earnings?
Community Bank System is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 before the market opens.
When does Community Bank System's fiscal year end?
Community Bank System's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.