COMMUNITY FINANCIAL SYSTEM, INC. (CBU)

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=jivedata("CBU","financials")

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COMMUNITY FINANCIAL SYSTEM, INC.

CBU • CIK 0000723188

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$445,167	$545,767	$596,715	$619,185
Interest Income, Securities, Operating, Taxable	$82,368	$85,734	$91,534	$92,803
Interest Income, Securities, Operating, Tax Exempt	$13,853	$12,027	$11,026	$11,101
Interest Income (Expense), Net	$437,285	$449,117	$506,550	$535,446
Interest and Dividend Income, Operating	$541,388	$643,528	$699,275	$723,089
Provision for Loan, Lease, and Other Losses	$11,203	$22,773	$21,350	$20,786
Interest Income (Expense), after Provision for Loan Loss	$426,082	$426,344	$485,200	$514,660
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$168,231	$236,705	$275,394	$300,518
Income Tax Expense (Benefit)	$36,307	$54,224	$64,939	$72,456
Net Income (Loss) Attributable to Parent	$131,924	$182,481	$210,455	$228,062
Interest Expense, Deposits	$85,337	$159,520	$162,200	$161,031
InterestExpenseOperating	—	$194,411	$192,725	$187,643
Insurance Services Revenue	$47,094	$50,249	$54,410	$52,602
Debt Securities, Available-for-sale, Realized Gain (Loss)	$-52,329	$-487	$0	$0
Gain (Loss) on Extinguishment of Debt	$242	$0	$0	$0
Equity Securities, FV-NI, Unrealized Gain (Loss)	$-47	$1,231	$375	$206
Income (Loss) from Equity Method Investments	—	—	$-285	$-1,074
Noninterest Income	$214,834	$297,186	$311,457	$323,498
Labor and Related Expense	$281,803	$300,779	$313,915	$321,205
Communications and Information Technology	$57,585	$61,843	$70,161	$74,897
Occupancy, Net	$42,550	$43,658	$48,249	$52,832
Business Development	$15,731	$16,059	$15,135	$13,095
Professional Fees	$15,921	$15,323	$17,898	$18,065
Amortization of Intangible Assets	$14,511	$14,259	$13,846	$15,649
Other Noninterest Expense	$34,278	$34,309	$42,059	$41,897
Noninterest Expense	$472,685	$486,825	$521,263	$537,640

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss) Attributable to Parent	$131,924	$182,481	$210,455	$228,062
Net Cash Provided by (Used in) Operating Activities	$228,420	$242,276	$301,859	$308,271
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	$-18,934	$6,042	$104,751	$20,926
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$190,962	$197,004	$301,755	$355,907
Depreciation	$12,991	$13,676	$15,577	$19,617
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$597,823	$59,688	$52,608	$58,950
Amortization of Intangible Assets	$14,511	$14,259	$13,846	$15,649
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$208	$9,103	$29,890	$39,253
Proceeds from Maturities, Prepayments and Calls of Other Investments	$14,945	$398	$13,849	$13,224
Share-based Payment Arrangement, Noncash Expense	$9,269	$8,374	$10,859	$11,023
Proceeds from Sale of Debt Securities, Available-for-sale	$733,789	$57,538	$0	$0
Gain (Loss) on Extinguishment of Debt	$242	$0	$0	$0
Payments to Acquire Held-to-maturity Securities	$63,284	$152,645	$109,813	$57,617
Provision for Loan, Lease, and Other Losses	$11,203	$22,773	$21,350	$20,786
Increase (Decrease) in Deferred Income Taxes	$7,503	$-674	$-11,669	$-11,669
Payments for (Proceeds from) Loans and Leases	$923,280	$765,581	$532,831	$772,600
Amortization of Mortgage Servicing Rights (MSRs)	$849	$722	$779	$808
Payments to Acquire Businesses, Net of Cash Acquired	$8,517	$15,620	$-469,692	$-443,402
Debt Securities, Available-for-sale, Realized Gain (Loss)	$-52,329	$-487	$0	$0
Payments to Acquire Equity Method Investments	—	—	$37,350	$37,350
Equity Securities, FV-NI, Unrealized Gain (Loss)	$-47	$1,231	$375	$206
Bank Owned Life Insurance Income	$2,412	$2,496	$3,387	$4,034
Payments to Acquire Property, Plant, and Equipment	$18,585	$20,703	$68,528	$61,604
Net Cash Provided by (Used in) Investing Activities	$335,776	$-835,617	$-182,103	$-380,567
Income (Loss) from Equity Method Investments	—	—	$-285	$-1,074
Increase (Decrease) in Other Operating Assets and Liabilities, Net	$-1,106	$5,878	$-7,573	$5,647
Increase (Decrease) in Deposits	$-84,187	$513,586	$401,644	$344,832
Proceeds from (Payments for) in Securities Sold under Agreements to Repurchase	$-42,058	$-43,042	$-30,390	$-23,044
Increase (Decrease) in Loans from Federal Home Loan Banks	$400,000	$250,000	$0	$0
Payment for Contingent Consideration Liability, Financing Activities	$1,214	$3,087	$1,382	$3,342
Proceeds from Issuance of Common Stock	$1,015	$7,091	$5,277	$11,709
Payments for Repurchase of Common Stock	$30,233	$46,029	$11,168	$27,153
Payments of Ordinary Dividends, Common Stock	$95,102	$95,777	$97,560	$98,581
Net Cash Provided by (Used in) Financing Activities	$-583,130	$599,383	$-15,005	$93,222
Interest Paid, Excluding Capitalized Interest, Operating Activities	$100,040	$192,871	$193,054	$188,305
Income Taxes Paid	$41,661	$43,728	$40,499	$46,136
Dividends Payable	$24,168	$24,410	$25,000	$25,459
Real Estate Owned, Transfer to Real Estate Owned	$1,051	$3,109	$7,390	$1,275
Right-of-Use Asset Obtained in Exchange for Finance Lease Liability	—	$8,608	$0	$0
Fair Value of Assets Acquired	$243	$497	$36,678	$157,913
Liabilities Assumed	$18	$1,908	$545,748	$667,120

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Import this data to Google Sheets with:

=jivedata("CBU","financials")

Full statements spill as a table. For one cell: =jivedata("CBU","Revenue") or =jivedata("CBU","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.