Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | $679M | $652M | $746M | $818M |
| Revenue growth | — | — | — | — | — | — | — | -4.0% | 14.4% | 9.6% |
| Net income | $104M | $151M | $169M | $169M | $165M | $190M | $188M | $132M | $182M | $210M |
| Net margin | — | — | — | — | — | — | 27.7% | 20.2% | 24.5% | 25.7% |
| EPS (diluted) | $2.32 | $3.03 | $3.24 | $3.23 | $3.08 | $3.48 | $3.46 | $2.45 | $3.44 | $3.97 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $136M | $190M | $221M | $203M | $179M | $203M | $215M | $228M | $242M | $302M |
| Capital expenditures | $12.4M | $10.8M | $12.6M | $5.69M | $14.8M | $13.4M | $12.9M | $18.6M | $20.7M | $68.5M |
| Free cash flow | $123M | $179M | $209M | $197M | $165M | $189M | $202M | $210M | $222M | $233M |
| Share buybacks | $3.47M | $3.31M | $298K | $286K | $271K | $5.11M | $16.6M | $30.0M | $45.8M | $11.2M |
| Dividends paid | $55.0M | $62.3M | $71.5M | $80.2M | $87.1M | $91.1M | $93.4M | $95.1M | $95.8M | $97.6M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $174M | $221M | $212M | $205M | $1.65B | $1.88B | $210M | $191M | $197M | $302M |
| Total assets | $8.67B | $10.7B | $10.6B | $11.4B | $13.9B | $15.6B | $15.8B | $15.6B | $16.4B | $17.3B |
| Total liabilities | $7.47B | $9.11B | $8.89B | $9.56B | $11.8B | $13.5B | $14.3B | $13.9B | $14.6B | $15.3B |
| Long-term debt | — | — | — | — | — | — | — | — | $990M | — |
| Shareholders' equity | $1.20B | $1.64B | $1.71B | $1.86B | $2.10B | $2.10B | $1.55B | $1.70B | $1.76B | $2.01B |
| Retained earnings | $615M | $701M | $796M | $883M | $960M | $1.06B | $1.15B | $1.19B | $1.28B | $1.39B |
| Shares (wtd avg diluted) | 44.5M | 49.5M | 51.7M | 52.2M | 53.3M | 54.4M | 54.2M | 53.7M | 52.9M | 52.8M |
Every figure is extracted from COMMUNITY FINANCIAL SYSTEM, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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