Community Financial System Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $858.9M+15.1% YoYTTM through 30 Jun 2026
Net Income $228.1M+25.0% YoYTTM through 30 Jun 2026
Free Cash Flow $246.7MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 34.6% |
| Net Margin | 26.6% |
Returns
11.3%ROE
1.3%ROA
8.1%ROIC
Balance Sheet Health
Debt / Equity0.23x
Net Debt-$162.6Mnet cash position
Cash & Equivalents$258.2M
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin28.7%
Rule of 4033.0
Earnings-Beat Rate25.0%
Multi-Year Trend
RevenueFY2025: $818M
Diluted EPS$4.31TTMFY2025: $3.97
Dividend
$1.41Per share, FY20262.80%Yield-3.6%5-yr growth
Capital Allocation
Capex Intensity7.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Banking and Corporate | $587M | +12.0% | View detailsExpected continued expansion in the Greater Lehigh Valley region and organic loan and deposit growth to drive banking business performance in 2026. |
| Employee Benefit Services | $142M | +3.6% | View detailsContinued expansion of national practice in employee benefit trust and retirement plan administration. |
| Insurance Services | $54.4M | +8.0% | View detailsEnhanced revenue stream through strategic minority investment in Leap Holdings, Inc. |
| Wealth Management Services | $39.4M | +14.7% | View detailsClearPoint acquisition is anticipated to substantially broaden the range and scale of wealth management offerings. |
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