Community Bank System logo
Community Bank System CBU
$ 57.25 -0.09%

Annual report 2025
added 02-27-2026

report update icon

Community Bank System Income Statement 2011-2026 | CBU

Annual Income Statement Community Bank System

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

Market Cap

3.19 B 3.33 B 2.43 B 3.25 B 3.83 B 3.34 B 3.5 B 3.1 B 2.62 B 2.6 B 1.55 B 1.37 B 1.47 B 1.13 B 984 M

Shares

52.7 M 52.8 M 53.6 M 53.9 M 54 M 53 M 51.9 M 51.4 M 49.1 M 44.4 M 41.3 M 40.8 M 40.2 M 39.5 M 36 M

Historical Prices

60.5 63.1 45.3 60.2 71 63 62.6 55.2 47.9 51.3 31.8 27.4 28.2 21.7 20.1

Net Income

210 M 182 M 132 M 188 M 190 M 165 M 169 M 169 M 151 M 104 M 91.2 M 91.4 M 78.8 M 77.1 M 73.1 M

Revenue

818 M 746 M 652 M 679 M - - 590 M 569 M 518 M 430 M 372 M 363 M 428 M 330 M 299 M

Cost of Revenue

314 M 301 M 282 M 257 M 242 M 228 M 220 M 207 M 187 M 156 M 126 M 123 M 122 M 112 M 102 M

Interest Expense

193 M 194 M 437 M 23.1 M 13 M 20.9 M 26.6 M 17.7 M 13.8 M 11.3 M 11.2 M 11.8 M 26.1 M 51 M 61.6 M

EBITDA

15.6 M 13.7 M 13 M 14.4 M 15.6 M 16 M - - - - - - - - -

Operating Expenses

- - - - - - 398 M 375 M 346 M 285 M 244 M 245 M 253 M 266 M 252 M

General and Administrative Expenses

- - - - - - 273 M 246 M 229 M 197 M 167 M 163 M 159 M 145 M 132 M

All numbers in USD currency

Quarterly Income Statement Community Bank System

2025-Q3 2025-Q2 2025-Q1 2024-Q3 2024-Q2 2024-Q1 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Shares

52.7 M 52.8 M 52.7 M 52.5 M 52.7 M 53.2 M 53.5 M 53.7 M 53.8 M - 53.8 M 53.9 M 54 M - 54 M 54 M 53.8 M - 53.6 M 52.5 M 52 M - 51.8 M 51.7 M 51.5 M - 51.2 M 51.1 M 50.9 M - 50.7 M 48.5 M 45.3 M - 44.2 M 44 M 43.9 M - 40.9 M 40.7 M 40.7 M - 40.6 M 40.6 M 40.5 M - 40.1 M 39.9 M 39.7 M - 39.4 M 39.3 M 38.6 M - 36.7 K 36.3 M 33.2 M

Net Income

55.1 M 51.3 M 49.6 M 43.9 M 47.9 M 40.9 M 44.1 M 48.3 M 5.8 M - 48.7 M 39.8 M 47.1 M - 45.3 M 47.9 M 52.8 M - 42.8 M 35.2 M 40.1 M - 39.2 M 45 M 41.9 M - 43.1 M 44.6 M 40.1 M - 35.2 M 17.2 M 26.3 M - 27.2 M 25.9 M 24.4 M - 25 M 23.8 M 22.3 M - 22.4 M 23.7 M 22.2 M - 22 M 21.1 M 20.2 M - 18.4 M 21.1 M 18.8 M - 20 M 18 M 16.2 M

Revenue

207 M 199 M 196 M 189 M 184 M 177 M - - - - 200 K 300 K 300 K - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Cost of Revenue

76.5 M 79 M 76.4 M 78 M 73.4 M 73.1 M 70.7 M 68 M 71.5 M - 66.2 M 65.4 M 61.6 M - 62.9 M 57.9 M 57.6 M - 57.3 M 54.7 M 58.3 M - 56.1 M 54 M 53.4 M - 51.1 M 52.4 M 51.9 M - 48.4 M 46.6 M 42.9 M - 38.3 M 38 M 39.1 M - 31.2 M 31 M 31 M - 30.9 M 30.4 M 30.7 M - 30.4 M 30.3 M 30.5 M - 28.1 M 26.8 M 27.4 M - 26.5 M 25.5 M 23.1 M

Interest Expense

49.1 M 48.1 M 47.4 M 51.2 M 47.6 M 45.7 M 108 M 109 M 14.9 M - 5.48 M 3.03 M 2.82 M - 3.06 M 3.26 M 3.71 M - 4.52 M 5.24 M 6.94 M - 7.37 M 6.05 M 5.82 M - 4.7 M 4.16 M 3.78 M - 4.09 M 3.39 M 2.68 M - 2.86 M 2.8 M 2.88 M - 2.92 M 2.65 M 2.61 M - 2.89 M 2.94 M 3.13 M - 5.53 M 5.71 M 9.5 M - 12.6 M 12.8 M 13.6 M - 15.8 M 15.7 M 14.8 M

EBITDA

3.87 M 3.66 M 3.64 M 3.43 M 3.4 M 3.28 M 3.58 M 3.7 M 3.3 M - 3.84 M 3.85 M 3.69 M - 11.9 M 8.01 M 4.03 M - 11.9 M 8 M 4.08 M - 11.8 M 7.68 M 3.83 M - 11.9 M 7.96 M 4 M - 12 M 7.78 M 3.67 M - 10.7 M 7.15 M 3.56 M - 9.82 M 6.53 M 3.25 M - 9.8 M 6.53 M 3.29 M - 9.06 M 5.95 M 3.01 M - 8.49 M 5.55 M 2.81 M - 8.61 M 5.66 M 2.74 M

Operating Expenses

- - - - - - - - - - 100 K 100 K 100 K - - - - - - - - - - - - - - - - - - - - - 66.2 M 66.4 M 67.7 M - 56.1 M 56 M 55.9 M - 58.8 M 55.2 M 55.9 M - 55 M 54.4 M 54.6 M - 56.1 M 49.4 M 49.4 M - 48.1 M 51.1 M -

All numbers in USD currency

The income statement is one of the three key financial reports of a company Community Bank System (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:

  • How much revenue the company earned
  • How much it spent on production, personnel, marketing, taxes, etc.
  • What profit remained in the end

Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.

Features
  • The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
  • Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
  • A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.

Reports on the profits and losses of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
Atlantic Capital Bancshares Atlantic Capital Bancshares
ACBI
- -1.48 % $ 566 M usaUSA
Signature Bank Signature Bank
SBNY
- - $ 4.41 B usaUSA
American National Bankshares American National Bankshares
AMNB
- - $ 508 M usaUSA
Metropolitan Bank Holding Corp. Metropolitan Bank Holding Corp.
MCB
$ 82.84 0.88 % $ 878 M usaUSA
Allegiance Bancshares Allegiance Bancshares
ABTX
- -0.86 % $ 1.51 B usaUSA
First Midwest Bancorp, Inc. First Midwest Bancorp, Inc.
FMBI
- -1.2 % $ 2.26 B usaUSA
Magyar Bancorp Magyar Bancorp
MGYR
$ 17.31 4.63 % $ 110 M usaUSA
MainStreet Bancshares MainStreet Bancshares
MNSB
$ 22.2 1.19 % $ 170 M usaUSA
Mid Penn Bancorp Mid Penn Bancorp
MPB
$ 31.83 0.62 % $ 693 M usaUSA
Meridian Corporation Meridian Corporation
MRBK
$ 19.02 0.63 % $ 215 M usaUSA
Midland States Bancorp Midland States Bancorp
MSBI
$ 22.02 0.82 % $ 481 M usaUSA
Citizens Holding Company Citizens Holding Company
CIZN
- -5.65 % $ 49.5 M usaUSA
BankFinancial Corporation BankFinancial Corporation
BFIN
- - $ 151 M usaUSA
ESSA Bancorp ESSA Bancorp
ESSA
- - $ 196 M usaUSA
Bank of South Carolina Corporation Bank of South Carolina Corporation
BKSC
- -0.41 % $ 66.6 M usaUSA
First Guaranty Bancshares First Guaranty Bancshares
FGBI
$ 8.47 - $ 94.6 M usaUSA
Cadence Bancorporation Cadence Bancorporation
CADE
- - $ 5.43 B usaUSA
Northeast Bank Northeast Bank
NBN
$ 110.81 0.55 % $ 982 M usaUSA
Brookline Bancorp Brookline Bancorp
BRKL
- - $ 974 M usaUSA
First Financial Northwest First Financial Northwest
FFNW
- -1.23 % $ 206 M usaUSA
Bogota Financial Corp. Bogota Financial Corp.
BSBK
$ 8.21 -1.2 % $ 105 M usaUSA
Northfield Bancorp (Staten Island, NY) Northfield Bancorp (Staten Island, NY)
NFBK
$ 13.5 0.22 % $ 542 M usaUSA
Byline Bancorp Byline Bancorp
BY
$ 31.39 0.87 % $ 1.41 B usaUSA
Banco BBVA Argentina S.A. Banco BBVA Argentina S.A.
BBAR
$ 14.66 3.97 % $ 450 B argentinaArgentina
Fulton Financial Corporation Fulton Financial Corporation
FULT
$ 20.13 0.6 % $ 3.66 B usaUSA
CBTX CBTX
CBTX
- 1.49 % $ 1.51 B usaUSA
Glen Burnie Bancorp Glen Burnie Bancorp
GLBZ
- - $ 12.5 M usaUSA
Northrim BanCorp Northrim BanCorp
NRIM
$ 22.94 0.53 % $ 507 M usaUSA
Coastal Financial Corporation Coastal Financial Corporation
CCB
$ 77.39 0.71 % $ 1.16 B usaUSA
CrossFirst Bankshares CrossFirst Bankshares
CFB
- - $ 784 M usaUSA
First Capital First Capital
FCAP
$ 49.56 2.99 % $ 166 M usaUSA
FFBW FFBW
FFBW
- - $ 68.2 M usaUSA
Spirit of Texas Bancshares, Inc. Spirit of Texas Bancshares, Inc.
STXB
- -0.23 % $ 446 M usaUSA
People's United Financial, Inc. People's United Financial, Inc.
PBCT
- - $ 8.34 B usaUSA
Home Federal Bancorp of Louisiana Home Federal Bancorp of Louisiana
HFBL
$ 16.51 - $ 50.4 M usaUSA
C&F Financial Corporation C&F Financial Corporation
CFFI
$ 80.99 10.91 % $ 262 M usaUSA
HomeStreet HomeStreet
HMST
- 1.84 % $ 262 M usaUSA
Capitol Federal Financial Capitol Federal Financial
CFFN
$ 7.14 0.42 % $ 928 M usaUSA
OceanFirst Financial Corp. OceanFirst Financial Corp.
OCFC
$ 17.79 0.51 % $ 1.02 B usaUSA
Independent Bank Corp. Independent Bank Corp.
INDB
$ 75.26 0.33 % $ 3.47 B usaUSA
Bank OZK Bank OZK
OZK
$ 45.0 0.66 % $ 5.82 B usaUSA
American River Bankshares American River Bankshares
AMRB
- 2.00 % $ 125 M usaUSA
Bank of Commerce Holdings Bank of Commerce Holdings
BOCH
- -1.56 % $ 254 M usaUSA
Customers Bancorp Customers Bancorp
CUBI
$ 68.95 1.23 % $ 2.23 B usaUSA
Pathfinder Bancorp Pathfinder Bancorp
PBHC
$ 13.12 - $ 61.9 M usaUSA
CIT Group Inc. CIT Group Inc.
CIT
- -1.4 % $ 4.74 B usaUSA
HMN Financial HMN Financial
HMNF
- -2.13 % $ 122 M usaUSA
PCB Bancorp PCB Bancorp
PCB
$ 22.33 0.52 % $ 319 M usaUSA
Columbia Financial Columbia Financial
CLBK
$ 17.48 0.11 % $ 1.78 B usaUSA