How Community Financial System makes money

Period

FY2025

How does Community Financial System make money? This Sankey traces every dollar of revenue through the income statement — into cost of revenue, R&D, SG&A, and taxes — and shows what's left as profit. Pick any fiscal year, recent quarter, or the trailing twelve months. Straight from SEC filings.

Community Financial System Inc. · FY2025 · year ended 2025-12-31

Revenue$818MGross profit$818M · 100%Cost of revenue$0 · 0%Operating income$818M · 100%Operating expenses$0 · 0%Pre-tax income$275M · 34%Other expense$543M · 66%Net income$210M · 26%Income tax$65M · 8%

Each fiscal year from SEC filings. Percentages are share of revenue, so the green profit nodes read directly as gross / operating / net margin. Line items a company doesn't break out are derived from their siblings so the flows balance; small residuals show as “Other.” For informational purposes only.