Community Bank System, Inc. (CBU) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 134.71M | 133.43M | 128.16M | 124.75M | 120.21M | 119.97M | 112.75M | 109.41M | 106.99M | 109.19M | 107.79M | 109.28M | 111.03M | 112.22M | 110.39M | 103.14M | 94.87M | 95.74M | 92.61M | 92.11M |
| NII Growth % | 12.06% | 11.21% | 13.68% | 14.02% | 12.36% | 9.88% | 4.6% | 0.12% | -3.64% | -2.7% | -2.36% | 5.95% | 17.03% | 17.21% | 19.2% | 11.98% | 0.98% | 2.47% | -0.38% | 0.17% |
| Net Interest Margin % | 0.76% | 0.77% | 0.76% | 0.75% | 0.72% | 0.73% | 0.69% | 0.69% | 0.67% | 0.7% | 0.7% | 0.72% | 0.73% | 0.71% | 0.71% | 0.67% | 0.61% | 0.62% | 0.6% | 0.62% |
| Interest Income | 179.99M | 181.47M | 177.28M | 172.88M | 167.65M | 169.93M | 163.9M | 157.04M | 152.66M | 146.33M | 137.56M | 131.62M | 125.88M | 123.98M | 115.88M | 106.17M | 97.7M | 98.73M | 95.67M | 95.36M |
| Interest Expense | 45.27M | 48.04M | 49.12M | 48.13M | 47.44M | 49.96M | 51.16M | 47.63M | 45.67M | 37.14M | 29.77M | 22.34M | 14.85M | 11.76M | 5.48M | 3.03M | 2.82M | 2.99M | 3.06M | 3.25M |
| Loan Loss Provision | 5.64M | 4.98M | 5.56M | 4.12M | 6.69M | 6.21M | 7.71M | 2.71M | 6.15M | 4.07M | 2.88M | 752K | 3.5M | 2.77M | 5.06M | 6.04M | 906K | 2.16M | -944K | -4.34M |
| Non-Interest Income | 78.57M | 82.31M | 78.89M | 74.51M | 76.04M | 76.31M | 76.2M | 74.39M | 70.28M | 67.77M | 67.59M | 65.98M | 13.25M | 63.71M | 65.25M | 64.1M | 65.67M | 63.94M | 64.31M | 59.46M |
| Non-Interest Income % | 30.39% | 31.2% | 30.79% | 30.12% | 31.2% | 30.99% | 31.74% | 32.14% | 31.53% | 31.65% | 32.95% | 33.39% | 9.53% | 33.94% | 36.02% | 37.64% | 40.2% | 39.3% | 40.2% | 38.41% |
| Total Revenue | 258.56M | 263.78M | 256.17M | 247.39M | 243.68M | 246.25M | 240.1M | 231.43M | 222.94M | 214.09M | 205.14M | 197.61M | 139.13M | 187.69M | 181.12M | 170.27M | 163.37M | 162.66M | 159.97M | 154.82M |
| Revenue Growth % | 6.11% | 7.12% | 6.69% | 6.9% | 9.3% | 15.02% | 17.04% | 17.11% | 60.24% | 14.07% | 13.26% | 16.05% | -14.83% | 15.38% | 13.22% | 9.98% | 4.59% | 5.37% | 1.8% | 3.12% |
| Non-Interest Expense | 133.04M | 138.84M | 128.32M | 129.1M | 125.29M | 125.54M | 124.2M | 119M | 118.08M | 129.09M | 116.5M | 113.04M | 113.81M | 105.85M | 108.19M | 110.42M | 99.81M | 100.91M | 100.44M | 93.54M |
| Efficiency Ratio | 51.45% | 52.63% | 50.09% | 52.19% | 51.42% | 50.98% | 51.73% | 51.42% | 52.97% | 60.3% | 56.79% | 57.2% | 81.8% | 56.4% | 59.73% | 64.85% | 61.09% | 62.04% | 62.78% | 60.42% |
| Operating Income | 74.61M | 71.92M | 73.17M | 66.04M | 64.27M | 64.54M | 57.03M | 62.09M | 53.04M | 43.8M | 55.99M | 61.47M | 6.97M | 67.31M | 62.4M | 50.78M | 59.83M | 56.6M | 57.43M | 62.36M |
| Operating Margin % | 28.86% | 27.27% | 28.56% | 26.69% | 26.37% | 26.21% | 23.75% | 26.83% | 23.79% | 20.46% | 27.29% | 31.11% | 5.01% | 35.86% | 34.45% | 29.82% | 36.62% | 34.8% | 35.9% | 40.28% |
| Operating Income Growth % | 16.1% | 11.43% | 28.3% | 6.35% | 21.16% | 47.37% | 1.86% | 1.01% | 660.69% | -34.93% | -10.27% | 21.07% | -88.35% | 18.92% | 8.65% | -18.58% | -7.89% | -3.63% | 6.92% | 41.05% |
| Pretax Income | 74.61M | 71.92M | 73.17M | 66.04M | 64.27M | 64.54M | 57.03M | 62.09M | 53.04M | 43.8M | 55.99M | 61.47M | 6.97M | 67.31M | 62.4M | 50.78M | 59.83M | 56.6M | 57.43M | 62.36M |
| Pretax Margin % | 28.86% | 27.27% | 28.56% | 26.69% | 26.37% | 26.21% | 23.75% | 26.83% | 23.79% | 20.46% | 27.29% | 31.11% | 5.01% | 35.86% | 34.45% | 29.82% | 36.62% | 34.8% | 35.9% | 40.28% |
| Income Tax | 17.4M | 17.5M | 18.08M | 14.71M | 14.65M | 14.75M | 13.13M | 14.18M | 12.17M | 10.09M | 11.86M | 13.18M | 1.18M | 14.78M | 13.71M | 10.97M | 12.78M | 13.04M | 12.09M | 14.42M |
| Effective Tax Rate % | 23.31% | 24.33% | 24.71% | 22.27% | 22.8% | 22.85% | 23.02% | 22.83% | 22.95% | 23.04% | 21.18% | 21.44% | 16.85% | 21.96% | 21.97% | 21.61% | 21.35% | 23.03% | 21.06% | 23.12% |
| Net Income | 57.22M | 54.42M | 55.09M | 51.33M | 49.61M | 49.79M | 43.9M | 47.91M | 40.87M | 33.71M | 44.13M | 48.29M | 5.8M | 52.53M | 48.69M | 39.8M | 47.05M | 43.56M | 45.34M | 47.94M |
| Net Margin % | 22.13% | 20.63% | 21.5% | 20.75% | 20.36% | 20.22% | 18.28% | 20.7% | 18.33% | 15.74% | 21.51% | 24.44% | 4.17% | 27.99% | 26.88% | 23.38% | 28.8% | 26.78% | 28.34% | 30.97% |
| Net Income Growth % | 15.33% | 9.3% | 25.48% | 7.13% | 21.39% | 47.73% | -0.52% | -0.78% | 604.93% | -35.83% | -9.37% | 21.32% | -87.68% | 20.58% | 7.4% | -16.98% | -10.96% | -6.28% | 5.9% | 36.02% |
| Net Income (Continuing) | 57.22M | 54.42M | 55.09M | 51.33M | 49.61M | 49.79M | 43.9M | 47.91M | 40.87M | 33.71M | 44.13M | 48.29M | 5.8M | 52.53M | 48.69M | 39.8M | 47.05M | 43.56M | 45.34M | 47.94M |
| EPS (Diluted) | 1.08 | 1.03 | 1.04 | 0.97 | 0.94 | 0.93 | 0.83 | 0.91 | 0.76 | 0.63 | 0.82 | 0.89 | 0.11 | 0.97 | 0.90 | 0.73 | 0.87 | 0.80 | 0.83 | 0.88 |
| EPS Growth % | 14.89% | 10.75% | 25.3% | 6.59% | 23.68% | 47.62% | 1.22% | 2.25% | 590.91% | -35.05% | -8.89% | 21.92% | -87.36% | 21.25% | 8.43% | -17.05% | -10.31% | -6.98% | 5.06% | 33.33% |
| EPS (Basic) | 1.08 | 1.03 | 1.04 | 0.97 | 0.94 | 0.94 | 0.84 | 0.91 | 0.77 | 0.63 | 0.82 | 0.90 | 0.11 | 0.97 | 0.90 | 0.74 | 0.87 | 0.80 | 0.84 | 0.89 |
| Diluted Shares Outstanding | 52.97M | 52.96M | 53.04M | 53.12M | 52.78M | 53.08M | 52.68M | 52.94M | 53.47M | 53.66M | 53.61M | 53.79M | 54.05M | 54.25M | 54.13M | 54.22M | 54.38M | 54.56M | 54.41M | 54.47M |