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Asset logo for symbol CBU
Community Bank System
Asset logo for symbol CBU



Income Statement (CBU)

itemMar 2024Dec 2023Sep 2023Jun 2023Mar 2023
gross Profit$171.12M$214.04M$175.37M$93.07M$38.10M
NET Income$40.87M$33.70M$44.12M$48.29M$5.79M
total Revenue$222.92M$214.04M$175.37M$175.26M$124.28M

Balance Sheet (CBU)

itemMar 2024Dec 2023Sep 2023Jun 2023Mar 2023
cash Equivalents-----
net Debt$343.98M$615.64M-$138.97M$28.50M$190.99M
stockholders Equity$1.65B$1.69B$1.55B$1.61B$1.63B
total Assets$15.85B$15.63B$15.38B$15.10B$15.25B
total Debt$682.36M$806.60M$316.83M$251.28M$380.29M
total Liabilities$14.20B$13.81B$13.83B$13.49B$13.62B

Cash Flow (CBU)

itemMar 2024Dec 2023Sep 2023Jun 2023Mar 2023
financing Cash Flow$282.20M-$12.68M$291.39M-$167.79M-$694.04M
free Cash Flow$77.33M$40.01M$57.91M$38.61M$73.30M
investing Cash Flow--$632.64M$159.79M$596.07M
operating Cash Flow$79.89M$44.70M$64.85M$41.48M$77.37M

Community Bank System (CBU) Financials

The income statement of Community Bank System Inc (CBU) provides a comprehensive overview of the company's financial performance. It reports the revenue generated, expenses incurred, and ultimately, the net income earned during a specific period. The income statement reflects the company's ability to generate profit from its operations. For Community Bank System Inc, its income statement reveals a consistent growth in total revenue over the years, indicating a strong customer base and effective business strategies. The gross profit is also an important element of the income statement as it represents the amount of revenue left after deducting the cost of goods sold.

EBIT (earnings before interest and taxes) is a measure of a company's profitability that excludes interest and tax expenses. For Community Bank System Inc, its EBIT indicates the company's operating income before considering the impact of interest and taxes. EBITDA (earnings before interest, taxes, depreciation, and amortization) is another financial metric that provides a clearer picture of a company's profitability by excluding non-cash expenses. It allows investors to assess the company's operating performance without the influence of accounting adjustments. Both metrics are important indicators of a company's financial health and profitability.

The balance sheet of Community Bank System Inc presents a snapshot of the company's financial position at a specific point in time. It provides information on the company's assets, liabilities, and stockholders' equity. The total assets indicate the value of the company's resources, including cash equivalents, investments, loans, and property. On the other hand, the total liabilities represent the company's obligations, such as loans and debts. The stockholders' equity is the residual interest in the assets of the company after deducting liabilities. Community Bank System Inc demonstrates a healthy stockholders' equity, reflecting a strong financial position and the company's ability to sustain its operations.

Cash flow is a crucial aspect in evaluating a company's financial performance and its ability to generate cash from operating, investing, and financing activities. For Community Bank System Inc, the cash flow statement provides insight into the company's cash equivalents, net debt, and cash flow generated from various activities. Positive cash flow from operating activities indicates that the company is generating sufficient cash from its core business operations. Additionally, the cash flow statement shows the financing and investing cash flows, which reflect the company's ability to raise capital and make strategic investments. Community Bank System Inc exhibits a well-managed cash flow and a prudent approach to funding its activities.

In conclusion, Community Bank System Inc's financials reflect a strong and sustainable business model. The income statement reveals consistent growth in revenue, indicating a thriving customer base. The EBIT and EBITDA reflect the company's profitability and financial health by excluding non-operating expenses. The balance sheet demonstrates a solid financial position with substantial stockholders' equity. Lastly, the cash flow statement highlights the company's well-managed cash flow and prudent financial decision-making. Overall, Community Bank System Inc's financials indicate a strong and stable institution in the banking industry.

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