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Community Financial System Inc (CBU) Annual Income Statement

Annual · GAAP · USD millions
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Observing income statement movements over recent quarters helps explain how Community Financial System Inc adapts pricing, costs, and operating efficiency.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases596.72
Interest and Dividend Income, Securities, Operating11.03
Other Income91.53
Total Interest Income699.28
Interest Expense, Deposits162.20
Interest Expense, Short-term Borrowing0.00
Interest Expense, Subordinated Notes and Debentures0.00
Interest Expense, Borrowings0.00
Total Interest Expense192.73
Net Interest Income506.55
Provision for loan losses21.35
Total Net Interest Income485.20
Wealth Management Services37.07
Other Non-interest Income0.00
Extinguishment of Debt0.00
Loss / Gain on Investment-0.29
Other Non-Interest Income163.39
Total Non-interest Income311.46
Total Revenues796.66
Costs & Expenses
Salaries & employee benefits, SGA313.92
Restructuring, Accretion & impairment charges0.00
Other Operating Costs0.00
Unusual Expense /-Income0.00
Depreciation & Amortization13.85
Communications, Occupancy and Information Technology48.25
Professional Fees17.90
Federal Deposit Insurance Corporation Premium Expense0.00
Other Noninterest Expense42.06
Other loss /-income85.30
Total Operating Expenses521.26
Total Costs & Expenses683.46
Income & Taxes
Income /-loss before income taxes275.39
Income taxes expenses/-benefit64.94
Income after income taxes210.46
Net income/-loss of other equity0.00
Income /-loss after income taxes210.46
Net Income/-loss210.46
Income/-loss to shareholder209.58
Earnings Per Share
Basic EPS (excl. extra items)3.98
Basic Net EPS3.98
Basic shares outstanding (Mill. of Units)52.70
Diluted Net EPS3.97
Diluted average shares (Mill. of Units)52.82
Dividend per share1.86
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About Community Financial System Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.