Community Bank System (CBU) Financials

$62.41

$-0.74 (-1.17%)

As on 09-Sep-2026 16:00EDT

Market cap

$3,341 Mln

Revenue (TTM)

$1,047 Mln

P/E Ratio

14.6

P/B Ratio

1.6

Div. Yield

3 %

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Operating Revenue	1,046.87	1,011.02	940.71	755.98	702.45	633.66
Cost of Revenue	208.43	214.08	217.18	115.31	37.87	4.17
Gross Profit	838.44	796.94	723.53	640.67	664.58	629.49
Operating Expenses	537.93	521.55	486.83	472.44	424.27	388.14
Operating Profit (EBIT)	300.52	275.39	236.71	168.23	240.31	241.35
Other Income	--	--	--	--	--	--
Profit before Tax	300.52	275.39	236.71	168.23	240.31	241.35
Provision for Tax	72.46	64.94	54.22	36.31	52.23	51.65
Profit after Tax (Net Income)	228.06	210.46	182.48	131.92	188.08	189.69
Minority Interest	--	--	--	--	--	--
Consolidated Profit	109.05	209.58	181.74	131.48	188.08	189.69

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Shareholder's Funds	2,072.76	2,006.03	1,762.84	1,697.94	1,551.71	2,100.81
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	15,360.63	15,165.80	801.95	572.10	22.72	329.89
Current Liabilities	330.38	241.97	13,821.26	13,285.72	14,261.22	210.80
Total Liabilities	18,094.15	17,413.80	16,386.04	15,555.75	15,835.65	15,552.66

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Non-Current Assets	12,920.50	17,054.31	15,822.74	12,390.27	11,421.29	6,004.08
Current Assets	4,782.58	359.49	563.30	3,165.49	4,414.36	6,845.17
Total Assets	22,546.35	17,413.80	16,386.04	15,555.75	15,835.65	15,552.66
Total Debt*	764.00	746.66	998.87	765.20	1,137.78	336.73
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Cash From Operating Activities	--	301.86	242.28	228.42	214.60	202.55
Cash Flow from Investing Activities	--	-182.10	-835.62	335.78	-2,138.99	-1,530.78
Cash from Financing Activities	--	-15.01	599.38	-583.13	259.22	1,557.49
Net Cash Inflow / Outflow	--	--	--	--	-1,665.17	229.26

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Adjusted EPS ($)	4.31	3.97	3.44	2.46	3.47	3.48
Cash EPS ($)	--	4.54	3.98	3.00	3.75	3.73
Adjusted Book Value ($)	--	37.88	33.21	31.64	28.60	38.51
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	5.70	4.56	4.26	3.96	3.71
Free Cash Flow per Share ($)	--	4.41	4.17	3.91	3.72	3.47

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
ROCE (%)	--	7.63	6.99	5.12	7.34	7.72
ROE (%)	11.18	11.17	10.55	8.12	10.30	9.02
ROA (%)	1.09	1.25	1.14	0.84	1.20	1.29
EBIT Margin (%)	28.71	27.24	25.16	22.25	34.21	38.09
Net Margin (%)	21.79	20.82	19.40	17.45	26.77	29.94
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Revenue Growth (%)	7.11	0.07	0.24	0.08	0.11	0.03
EBIT Growth (%)	19.31	16.34	40.70	-30.00	-0.43	17.12
Net Profit Growth (%)	17.17	15.33	38.32	-29.86	-0.85	15.19
EPS Growth (%)	17.07	0.16	0.40	-0.29	0.00	0.14
Book Value Growth (%)	10.49	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Price / Earnings	14.63	14.45	17.94	21.20	18.16	21.42
Price / Book Value	1.57	1.52	1.86	1.65	2.20	1.93
Dividend Yield (%)	2.98	--	--	--	--	--
EV/EBITDA	--	2.00	14.18	2.29	0.71	-8.87
Close Price ($)	67.12	57.44	61.68	52.11	62.95	74.48
High Price ($)	68.58	68.11	73.39	64.86	78.00	82.53
Low Price ($)	51.12	49.44	41.50	35.38	58.28	61.24
Market Cap ($ Cr)	3,340.58	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debt to Equity	0.21	0.37	0.57	0.45	0.73	0.16
Short term debt to equity ratio	0.16	0.12	0.22	0.21	0.72	0.16
Current Ratio	14.48	1.49	0.04	0.24	0.31	32.47
Quick Ratio	14.48	--	--	0.23	0.33	41.54
Interest Coverage	2.60	1.43	1.22	1.62	10.40	18.55

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
Debtors to sales (%)	5.82	5.71	5.78	7.21	7.49	5.66
Asset Turnover	0.05	0.06	0.06	0.05	0.04	0.04
Receivable days	--	20.24	21.14	25.88	23.01	21.59
Inventory Days	--	--	229.44	-200.48	-10,486.60	-157,585.53
Payable days	--	--	--	424.03	1,662.01	19,341.03
Cash Conversion Cycle	--	--	--	-598.63	-12,125.60	-176,904.97

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement ($ Mln)