CBU
Community Fin (CBU)
NYSE
$64.54+$1.04 (+1.64%)
Price as of Jun 23, 2026 4:10 PM EDT
  • $3.3B
    Market Cap
  • 17.37%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
506.6M
+12.79%
449.1M
+2.71%
437.3M
-37.75%
702.5M
+10.86%
Cost of Revenue
N/A
N/A
346.8M
N/A
N/A
N/A
N/A
N/A
Gross Profit
506.6M
+395.13%
102.3M
-76.60%
437.3M
-37.75%
702.5M
+10.86%
Sales and Marketing Expense
15.1M
-5.75%
16.1M
+2.09%
15.7M
+20.13%
13.1M
+40.52%
Research and Development Expense
-70.2M
+13.45%
-61.8M
+7.39%
-57.6M
+6.44%
-54.1M
+6.07%
Depreciation and Amortization Expense
13.8M
-2.90%
14.3M
-1.74%
14.5M
-4.62%
15.2M
+8.28%
Total Operating Expenses
521.3M
+7.07%
486.8M
+2.99%
472.7M
+11.41%
424.3M
+9.31%
Operating Profit
275.4M
+16.34%
236.7M
+40.70%
168.2M
-30.00%
240.3M
-0.43%
Interest Income
699.3M
+8.66%
643.5M
+18.87%
541.4M
+22.01%
443.7M
+14.53%
Interest Expense
-195.6M
N/A
0
+100.00%
-104.1M
+350.68%
-23.1M
+77.58%
Interest Income and Expense and Net
503.7M
-21.73%
643.5M
+47.16%
437.3M
+3.96%
420.6M
+12.34%
Total Nonoperating Income and Expense
506.6M
+12.79%
449.1M
+2.71%
437.3M
+3.96%
420.6M
+12.34%
Income before Taxes
275.4M
+16.34%
236.7M
+40.70%
168.2M
-30.00%
240.3M
-0.43%
Income Taxes
64.9M
+19.76%
54.2M
+49.35%
36.3M
-30.49%
52.2M
+1.12%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
210.5M
+15.33%
182.5M
+38.32%
131.9M
-29.86%
188.1M
-0.85%
Net Income from Continuing Operations Applicable to Common
275.4M
+16.34%
236.7M
+40.70%
168.2M
-30.00%
240.3M
-0.43%
Basic EPS and Net Income
3.98
+15.70%
3.44
+40.41%
2.45
-29.60%
3.48
-0.85%
Diluted EPS and Net Income
3.97
+15.41%
3.44
+40.41%
2.45
-29.19%
3.46
-0.57%
Basic Weighted Average Shares
52.7M
-0.10%
52.8M
-1.58%
53.6M
-0.55%
53.9M
-0.15%
Diluted Weighted Average Shares
52.8M
-0.12%
52.9M
-1.57%
53.7M
-0.89%
54.2M
-0.35%
Balance Sheet
Cash and Cash Equivalents
301.8M
+53.17%
197.0M
+3.16%
191.0M
-9.02%
209.9M
-88.81%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
301.8M
+53.17%
197.0M
+3.16%
191.0M
-9.02%
209.9M
-88.81%
Total Current Assets
448.9M
-6.05%
477.8M
+9.69%
435.6M
-2.40%
446.3M
+42.20%
Accumulated Depreciation
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Property and Plant and Equipment and Net
246.5M
+34.15%
183.8M
+5.96%
173.4M
+7.86%
160.8M
+0.08%
Total Long-Term Assets
448.9M
-6.05%
477.8M
+9.69%
435.6M
-2.40%
446.3M
+42.20%
Total Assets
17.3B
+5.60%
16.4B
+5.34%
15.6B
-1.77%
15.8B
+1.82%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
N/A
N/A
N/A
N/A
300,000
N/A
N/A
N/A
Total Current Liabilities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Debt
1.6B
-50.58%
3.2B
+689.59%
407.6M
+1,693.79%
22.7M
+339.94%
Total Long-Term Liabilities
56.7M
-94.54%
1.0B
+2,409.47%
41.4M
+33.19%
31.1M
-5.31%
Total Liabilities
15.3B
+4.61%
14.6B
+5.52%
13.9B
-2.98%
14.3B
+6.19%
Retained Earnings
-419.0M
-23.55%
-548.1M
-1.58%
-556.9M
-18.87%
-686.4M
+1,255.88%
Total Stockholders Equity
2.0B
+13.80%
1.8B
+3.82%
1.7B
+9.42%
1.6B
-26.14%
Total Shares Outstanding
54.9M
+0.39%
54.7M
+0.60%
54.4M
+0.34%
54.2M
+0.18%
Cash Flow
Cash from Operating Activities
301.9M
+24.59%
242.3M
+6.07%
228.4M
+6.44%
214.6M
+5.95%
Capital Expenditures
68.5M
+231.01%
20.7M
+11.40%
18.6M
+43.82%
12.9M
-1.93%
Cash from Investing Activities
-182.1M
-78.21%
-835.6M
-348.86%
335.8M
+115.70%
-2.1B
+39.73%
Dividends Paid
97.6M
+1.86%
95.8M
+0.71%
95.1M
+1.84%
93.4M
+2.57%
Cash from Financing Activities
-15.0M
-102.50%
599.4M
+202.79%
-583.1M
-324.96%
259.2M
-83.36%
Financials Ratio
Gross Margin
N/A
N/A
22.78%
N/A
N/A
N/A
N/A
N/A
Operating Margin
54.37%
+3.15%
52.70%
+37.00%
38.47%
+12.46%
34.21%
-10.18%
Return on Assets
1.25%
+9.35%
1.14%
+35.94%
0.84%
-29.86%
1.20%
-6.87%
Return on Equity
11.17%
+5.90%
10.55%
+29.88%
8.12%
-21.16%
10.30%
+14.14%
Revenue Growth
12.79%
+372.61%
2.71%
+107.17%
-37.75%
-447.68%
10.86%
+320.26%
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Equity Ratio
N/A
N/A
N/A
N/A
0.24
N/A
N/A
N/A
Debt-to-Assets Ratio
N/A
N/A
N/A
N/A
0.03
N/A
N/A
N/A

Earnings & Revenue History

Debt-to-Assets

Cash Flow