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Community Financial System CBU Technology & Communications

Segments

By segment

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Banking And Corporate Services$14.95M+10.8%
Employee Benefit Services$1.22M+12.4%
Insurance Services$971K+11.2%
Wealth Management Services$735K+8.2%

Other financials

Income statement

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Revenue$213.3M+8.7%
Net income$57.2M+15.3%
EPS (diluted)$1.08+16.1%

Balance sheet

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Cash & equivalents$572.2M+10.5%
Total debt$437.7M-25.3%
Total equity$2.0B+10.4%
Total assets$17.7B+5.8%

Cash flow

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Operating cash flow$71.6M+14.5%
CapEx$11.3M+6.7%
Free cash flow$60.3M+16.1%

Valuation

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Market cap$3.39B+2.6%

Profitability

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Net margin26.1%+1.1pp
FCF margin28.9%+3.3pp

Returns & leverage

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Return on equity11.3%+0.3pp
Debt / equity0.2×-0.1×

Questions, answered.

What does technology & communications mean?
Spending on technology systems, digital platforms, cybersecurity, data centers, telecommunications, and related infrastructure.