Community Bank System, Inc. (CBU) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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CBU EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CBU Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 73.4% | 31.4% | 22.7% |
| 2024 | 76.9% | 25.2% | 19.4% |
| 2023 | 84.7% | 22.3% | 17.5% |
| 2022 | 94.6% | 34.2% | 26.8% |
| 2021 | 99.3% | 38.1% | 29.9% |
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Community Bank System, Inc. (CBU) Earnings Overview
As of May 8, 2026, Community Bank System, Inc. (CBU) reported trailing twelve-month net income of $210M, reflecting +15.7% year-over-year growth. The company earned $3.75 per diluted share over the past four quarters, with a net profit margin of 22.7%.
Looking at the long-term picture, CBU's 5-year EPS compound annual growth rate (CAGR) stands at +5.3%, 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 73.4%, operating margin of 31.4%, and net margin of 22.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including TRMK ($224M net income, 20.0% margin), WSBC ($223M net income, 15.5% margin), NBTB ($169M 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% | $292M | $3.98 | 22.7% | 31.4% |
| 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% |
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Start ComparisonCBU — Frequently Asked Questions
Quick answers to the most common questions about buying CBU stock.
Is CBU growing earnings?
CBU EPS is $3.75, with earnings growth accelerating to +15.7%. This exceeds the 5-year CAGR of +5.3%. TTM net income reached $210M.
What are CBU's profit margins?
Community Bank System, Inc. net margin is +22.7%, with operating margin at +31.4%. Above-average margins indicate pricing power.
How consistent are CBU's earnings?
CBU earnings data spans 1989-2025. The accelerating earnings trend is +15.7% YoY. Historical data enables comparison across business cycles.