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Community Financial System Inc

NYSE:CBUFinancial ServicesCBOEFTSE:MRUTNASDAQ:NQUSSG

$60.81+1.60%At closeAt close · Wed 21 Oct · ≈ AED 223.32 · Market cap $3.2B · Next earnings Tue 27 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	94.3%	99.3%	94.6%	84.7%	76.9%	78.8%	—	—
Operating margin	33.4%	38.1%	34.2%	22.3%	25.2%	27.2%	27.2%	+0.0 pts
Net margin	26.7%	29.9%	26.8%	17.5%	19.4%	20.8%	20.8%	+0.0 pts
EBITDA margin	38.3%	42.8%	38.5%	26.0%	28.2%	30.2%	—	—
Return on equity	7.8%	9.0%	12.1%	7.8%	10.4%	10.5%	10.5%	+0.0 pts
Return on assets	1.2%	1.2%	1.2%	0.8%	1.1%	1.2%	1.2%	+0.0 pts
Return on capital employed	9.4%	11.5%	15.3%	7.4%	9.2%	1.6%	—	—
Debt / equity	0.2×	0.2×	0.7×	0.5×	0.6×	0.4×	0.4×	+0.0%
Debt / assets	2.7%	2.1%	7.2%	4.9%	6.1%	4.3%	—	—
Interest coverage	9.9×	18.6×	10.4×	1.6×	1.2×	1.4×	—	—
Current ratio	0.4×	0.5×	0.3×	0.2×	0.0×	1.5×	1.5×	+0.0%
Quick ratio	0.4×	0.5×	0.3×	0.2×	0.0×	1.5×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.0×	1.2×	1.2×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Receivables turnover	15.8×	17.7×	13.4×	13.9×	17.3×	17.5×	—	—
Dividend payout	52.9%	48.0%	49.7%	72.1%	52.5%	46.4%	—	—