Community Bank System, Inc. (CBU) Earnings History
Steady Earner37 years of earnings data (1989–2025) · Positive but moderate multi-year EPS trajectory
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Community Bank System, Inc. (CBU) Earnings Overview
As of June 28, 2026, Community Bank System, Inc. (CBU) reported trailing twelve-month net income of $218M, reflecting +15.4% year-over-year growth. The company earned $4.12 per diluted share over the past four quarters, with a net profit margin of 20.8%.
Looking at the long-term picture, CBU's 5-year EPS compound annual growth rate (CAGR) stands at +5.2%, showing solid earnings momentum. The company achieved its highest annual net income of $210M in fiscal 2025, representing a new all-time high.
Community Bank System, Inc. maintains industry-leading profitability with a gross margin of 78.8%, operating margin of 27.2%, and net margin of 20.8%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including TRMK ($227M net income, 20.0% margin), WSBC ($321M net income, 15.5% margin), NBTB ($184M net income, 19.5% margin), CBU has outperformed on profitability metrics. Compare CBU vs TRMK →
CBU Earnings vs Peers
Earnings metrics vs comparable public companies
CBU Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $210M | +15.3% | $275M | $3.97 | 20.8% | 27.2% |
| 2024 | $182M | +38.3% | $237M | $3.44 | 19.4% | 25.2% |
| 2023 | $132M | -29.9% | $168M | $2.45 | 17.5% | 22.3% |
| 2022 | $188M | -0.9% | $240M | $3.46 | 26.8% | 34.2% |
| 2021 | $190M | +15.2% | $241M | $3.48 | 29.9% | 38.1% |
| 2020 | $165M | -2.6% | $206M | $3.08 | 26.7% | 33.4% |
| 2019 | $169M | +0.3% | $209M | $3.23 | 27.4% | 34.0% |
| 2018 | $169M | +11.9% | $213M | $3.26 | 28.7% | 36.3% |
| 2017 | $151M | +45.2% | $160M | $3.03 | 28.3% | 30.1% |
| 2016 | $104M | +13.8% | $155M | $2.32 | 23.6% | 35.1% |
| 2015 | $91M | -0.1% | $132M | $2.19 | 23.8% | 34.5% |
| 2014 | $91M | +15.9% | $130M | $2.22 | 24.3% | 34.6% |
| 2013 | $79M | +2.3% | $111M | $1.94 | 17.4% | 24.5% |
| 2012 | $77M | +5.4% | $109M | $1.93 | 20.2% | 28.6% |
| 2011 | $73M | +15.5% | $104M | $2.01 | 20.3% | 28.7% |
| 2010 | $63M | +52.8% | $86M | $1.89 | 18.8% | 25.6% |
| 2009 | $41M | -9.8% | $53M | $1.26 | 12.5% | 16.0% |
| 2008 | $46M | +7.1% | $57M | $1.49 | 14.2% | 17.5% |
| 2007 | $43M | +11.8% | $45M | $1.42 | 13.9% | 14.6% |
| 2006 | $38M | -24.5% | $50M | $1.26 | 13.6% | 17.9% |
| 2005 | $51M | +1.2% | $69M | $1.65 | 18.1% | 24.5% |
| 2004 | $50M | +24.3% | $67M | $1.64 | 19.5% | 26.0% |
| 2003 | $40M | +4.8% | $53M | $1.49 | 17.8% | 23.5% |
| 2002 | $39M | +101.4% | $52M | $1.47 | 16.2% | 22.1% |
| 2001 | $19M | -23.2% | $27M | $0.81 | 8.5% | 12.0% |
| 2000 | $25M | +5.2% | $35M | $1.16 | 11.7% | 16.4% |
| 1999 | $24M | +50.7% | $33M | $1.09 | 12.8% | 18.0% |
| 1998 | $16M | +0.6% | $24M | $1.02 | 11.2% | 17.4% |
| 1997 | $16M | +10.6% | $24M | $1.01 | 12.0% | 18.8% |
| 1996 | $14M | +22.6% | $24M | $0.92 | 13.2% | 22.3% |
| 1995 | $12M | +13.9% | $19M | $0.85 | 12.8% | 21.0% |
| 1994 | $10M | +5.2% | $16M | $0.90 | 15.1% | 24.6% |
| 1993 | $10M | +28.0% | $15M | $0.86 | 16.2% | 25.9% |
| 1992 | $8M | +102.7% | $11M | $0.69 | 12.2% | 17.3% |
| 1991 | $4M | +76.2% | $5M | $0.34 | 5.8% | 7.8% |
| 1990 | $2M | -53.3% | $3M | $0.20 | 3.2% | 4.5% |
| 1989 | $5M | - | $6M | $0.41 | 7.3% | 9.4% |
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CBU — Frequently Asked Questions
Quick answers to the most common questions about buying CBU stock.
What is CBU earnings per share (EPS)?
CBU trailing twelve-month (TTM) diluted EPS is $4.12, reflecting +15.4% year-over-year growth. The 5-year EPS CAGR is +5.2%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is Community Bank System, Inc.'s net income?
Community Bank System, Inc. (CBU) trailing twelve-month net income is $218M as of 2025. Earnings grew +15.4% year-over-year. Community Bank System, Inc. has been profitable for 37 consecutive years.
Is CBU profitable?
Yes, CBU is profitable with a TTM net income of $218M and a net profit margin of +20.8%. Community Bank System, Inc. has generated profits for 37 consecutive years.
What is CBU's earnings growth rate?
CBU compound annual EPS growth rates (CAGR): 1-Year: +15.4%, 3-Year: +4.7%, 5-Year: +5.2%, 10-Year: +6.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are CBU's profit margins?
Community Bank System, Inc. net profit margin is +20.8%, operating margin is +27.2%, and gross margin is +78.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.2%.
Is CBU growing earnings?
Yes, CBU earnings are accelerating — EPS growth of +15.4% exceeds the 5-year CAGR of +5.2%. TTM net income reached $218M. Earnings momentum is strengthening.
What was CBU's best earnings year?
Community Bank System, Inc.'s highest annual net income on record is $210M, achieved in fiscal year 2025. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were CBU's earnings last quarter?
CBU's most recent reported quarter was Q1 2026. Net income was $57M with diluted EPS of $1.08. For a full breakdown of all quarters, see the quarterly earnings table on this page.