Community Financial System, Inc. income statement

In fiscal 2025, Community Financial System, Inc. reported revenue of $818m, up 9.6% on the year before and net income of $210m, or $3.97 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Community Financial System, Inc.: income statement, annual
Fiscal year	2009Dec 2009	2010Dec 2010	2011Dec 2011	2012Dec 2012	2013Dec 2013	2014Dec 2014	2015Dec 2015	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025	LTMJun 2026
Revenue	249	270	299	330	340	363	372	430	518	569	590	597	621	679	652	746	818	859
Interest expense	83	67	62	51	26	12	11	11	14	18	27	21	13	23	104	194	193	188
Net interest income	166	182	209	230	238	244	248	274	316	345	359	368	374	421	437	449	507	535
Non-interest income	84	89	89	99	102	119	123	156	202	224	231	228	246	259	215	297	311	323
Non-interest expense	186	177	190	—	—	—	233	267	347	345	372	377	388	424	473	487	521	538
Provision for credit losses	10	7	5	9	8	7	6	8	11	11	8	14	−9	15	11	23	21	21
Income before tax	53	86	104	109	111	130	132	155	160	213	209	206	241	240	168	237	275	301
Income tax	12	23	30	32	32	38	41	51	9	44	40	41	52	52	36	54	65	72
Net income	41	63	73	77	79	91	91	104	151	169	169	165	190	188	132	182	210	228
Diluted EPS	$1.26	$1.89	$2.01	$1.93	$1.94	$2.22	$2.19	$2.32	$3.03	$3.24	$3.23	$3.08	$3.48	$3.46	$2.45	$3.44	$3.97	$4.32
Diluted shares (average)	33m	33m	36m	40m	41m	41m	41m	44m	49m	52m	52m	53m	54m	54m	54m	53m	53m	53m

US$ millions unless shown otherwise. Fiscal quarters.

Community Financial System, Inc.: income statement, quarterly
Quarter	2024 Q3Sept 2024	2024 Q4Dec 2024	2025 Q1Mar 2025	2025 Q2Jun 2025	2025 Q3Sept 2025	2025 Q4Dec 2025	2026 Q1Mar 2026	2026 Q2Jun 2026
Revenue	189	196	196	199	207	215	213	223
Interest expense	51	50	47	48	49	48	45	45
Net interest income	113	120	120	125	128	133	135	139
Non-interest income	76	76	76	75	79	82	79	84
Non-interest expense	124	126	125	129	128	139	133	138
Provision for credit losses	8	6	7	4	6	5	6	5
Income before tax	57	65	64	66	73	72	75	81
Income tax	13	15	15	15	18	17	17	19
Net income	44	50	50	51	55	54	57	61
Diluted EPS	$0.83	$0.94	$0.93	$0.97	$1.04	$1.03	$1.08	$1.16

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

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Figures from Community Financial System, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Community Financial System, Inc.