Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

COMMUNITY FINANCIAL SYSTEM, INC.
Next earnings Jul 28, 2026 · consensus $1.19 EPS, $223M rev
Last earnings -1.5% on 2026-04-29
Revenue grew 9.6% YoY; but high leverage (liabilities/equity 7.6x).
Sources: SEC EDGAR (CIK 0000723188, latest 10-Q filed 2026-05-08) · EODHD · as of 6/22/2026, 12:29:40 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Middling fundamentals offset by an attractive price (~64% below fair value) — worth a look on the value angle.
COMMUNITY FINANCIAL SYSTEM, INC. shows $818M in FY2025 revenue (+9.6% YoY), a 25.7% net margin, and 10.5% ROE.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $679M | $652M | $746M | $818M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $190M | $188M | $132M | $182M | $210M |
| Diluted EPS | $3.48 | $3.46 | $2.45 | $3.44 | $3.97 |
| Net margin | — | 27.7% | 20.2% | 24.5% | 25.7% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1483 tracked peers · median
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Last 90 days: 0 open-market buys · 1 sale
| 2026-06-10 | Durkee Deresa Fischer SVP, Chief Accounting Officer | Exercise | 427.00 @ $51.64 | $22.1K |
| 2026-06-10 | Durkee Deresa Fischer SVP, Chief Accounting Officer | Exercise | 1.20K @ $44.27 | $52.9K |
| 2026-06-10 | Durkee Deresa Fischer SVP, Chief Accounting Officer | Tax | 1.33K @ $64.77 | $85.9K |
| 2026-06-08 | STICKELS ERIC Director | Sell | 2.00K @ $63.98 | $128K |
| 2026-05-04 | Wlos Marya Burgio EVP & Chief Financial Officer | Tax | 273.00 @ $63.62 | $17.4K |
| 2026-04-29 | STEELE SALLY A Director | Exercise | 9.00 | |
| 2026-04-29 | Pecor Raymond C III Director | Exercise | 9.00 | |
| 2026-04-29 | Parente John Director | Exercise | 9.00 |