Community Financial System annual return on equity
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Community Financial System Return on Equity (ROE) Growth & History (CBU)
Community Financial System's return on equity was 11.17% for fiscal 2025.
View full Community Financial System company overviewCommunity Financial System annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 11.17% | +0.62 pp |
| 2024 | 2024-12-31 | 10.55% | +2.43 pp |
| 2023 | 2023-12-31 | 8.12% | −2.18 pp |
| 2022 | 2022-12-31 | 10.30% | +1.28 pp |
| 2021 | 2021-12-31 | 9.02% | +0.70 pp |
| 2020 | 2020-12-31 | 8.32% | −1.16 pp |
| 2019 | 2019-12-31 | 9.47% | −0.60 pp |
| 2018 | 2018-12-31 | 10.07% | −0.57 pp |
| 2017 | 2017-12-31 | 10.64% | +1.76 pp |
| 2016 | 2016-12-31 | 8.88% | +0.31 pp |
| 2015 | 2015-12-31 | 8.57% | −1.23 pp |
| 2014 | 2014-12-31 | 9.80% | +0.94 pp |
| 2013 | 2013-12-31 | 8.86% | −0.32 pp |
| 2012 | 2012-12-31 | 9.19% | −1.40 pp |
| 2011 | 2011-12-31 | 10.59% | −0.21 pp |
| 2010 | 2010-12-31 | 10.80% | — |
Community Financial System quarterly return on equity
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Q3.11
Q4.11
Q1.12
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Q1.13
Q2.13
Q3.13
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Q3.14
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Q2.15
Q3.15
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Q2.16
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Q4.16
Q1.17
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Q4.17
Q1.18
Q2.18
Q3.18
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Q1.20
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Q4.21
Q1.22
Q2.22
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Q4.22
Q1.23
Q2.23
Q3.23
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Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 2.99% | +0.23 pp |
| Q1 2026 | 2026-03-31 | 2.84% | +0.08 pp |
| Q4 2025 | 2025-12-31 | 2.76% | −0.05 pp |
| Q3 2025 | 2025-09-30 | 2.88% | +0.34 pp |
| Q2 2025 | 2025-06-30 | 2.76% | −0.12 pp |
| Q1 2025 | 2025-03-31 | 2.76% | +0.32 pp |
| Q4 2024 | 2024-12-31 | 2.81% | +0.73 pp |
| Q3 2024 | 2024-09-30 | 2.54% | −0.24 pp |
| Q2 2024 | 2024-06-30 | 2.88% | −0.09 pp |
| Q1 2024 | 2024-03-31 | 2.44% | +2.07 pp |
| Q4 2023 | 2023-12-31 | 2.07% | −1.41 pp |
| Q3 2023 | 2023-09-30 | 2.78% | −0.34 pp |
| Q2 2023 | 2023-06-30 | 2.97% | +0.70 pp |
| Q1 2023 | 2023-03-31 | 0.36% | −2.02 pp |
| Q4 2022 | 2022-12-31 | 3.49% | +1.40 pp |
| Q3 2022 | 2022-09-30 | 3.12% | +0.92 pp |
| Q2 2022 | 2022-06-30 | 2.27% | −0.11 pp |
| Q1 2022 | 2022-03-31 | 2.38% | −0.21 pp |
| Q4 2021 | 2021-12-31 | 2.09% | −0.12 pp |
| Q3 2021 | 2021-09-30 | 2.19% | +0.15 pp |
| Q2 2021 | 2021-06-30 | 2.38% | +0.64 pp |
| Q1 2021 | 2021-03-31 | 2.59% | +0.50 pp |
| Q4 2020 | 2020-12-31 | 2.21% | −0.11 pp |
| Q3 2020 | 2020-09-30 | 2.05% | −0.10 pp |
| Q2 2020 | 2020-06-30 | 1.74% | −0.79 pp |
| Q1 2020 | 2020-03-31 | 2.09% | −0.32 pp |
| Q4 2019 | 2019-12-31 | 2.32% | −0.09 pp |
| Q3 2019 | 2019-09-30 | 2.15% | −0.44 pp |
| Q2 2019 | 2019-06-30 | 2.52% | −0.19 pp |
| Q1 2019 | 2019-03-31 | 2.42% | −0.04 pp |
| Q4 2018 | 2018-12-31 | 2.41% | −2.05 pp |
| Q3 2018 | 2018-09-30 | 2.59% | +0.37 pp |
| Q2 2018 | 2018-06-30 | 2.71% | +1.51 pp |
| Q1 2018 | 2018-03-31 | 2.46% | +0.35 pp |
| Q4 2017 | 2017-12-31 | 4.46% | +2.30 pp |
| Q3 2017 | 2017-09-30 | 2.23% | +0.03 pp |
| Q2 2017 | 2017-06-30 | 1.20% | −0.92 pp |
| Q1 2017 | 2017-03-31 | 2.11% | +0.02 pp |
| Q4 2016 | 2016-12-31 | 2.16% | +0.33 pp |
| Q3 2016 | 2016-09-30 | 2.19% | −0.25 pp |
| Q2 2016 | 2016-06-30 | 2.12% | −0.25 pp |
| Q1 2016 | 2016-03-31 | 2.08% | −0.14 pp |
| Q4 2015 | 2015-12-31 | 1.84% | −0.53 pp |
| Q3 2015 | 2015-09-30 | 2.45% | +0.12 pp |
| Q2 2015 | 2015-06-30 | 2.37% | −0.16 pp |
| Q1 2015 | 2015-03-31 | 2.23% | −0.24 pp |
| Q4 2014 | 2014-12-31 | 2.37% | +0.59 pp |
| Q3 2014 | 2014-09-30 | 2.33% | −0.23 pp |
| Q2 2014 | 2014-06-30 | 2.53% | +0.08 pp |
| Q1 2014 | 2014-03-31 | 2.47% | +0.20 pp |
| Q4 2013 | 2013-12-31 | 1.78% | −0.30 pp |
| Q3 2013 | 2013-09-30 | 2.56% | +0.51 pp |
| Q2 2013 | 2013-06-30 | 2.45% | +0.00 pp |
| Q1 2013 | 2013-03-31 | 2.27% | −0.06 pp |
| Q4 2012 | 2012-12-31 | 2.08% | −0.40 pp |
| Q3 2012 | 2012-09-30 | 2.05% | −0.64 pp |
| Q2 2012 | 2012-06-30 | 2.44% | −0.25 pp |
| Q1 2012 | 2012-03-31 | 2.33% | — |
| Q4 2011 | 2011-12-31 | 2.48% | — |
| Q3 2011 | 2011-09-30 | 2.69% | — |
| Q2 2011 | 2011-06-30 | 2.69% | — |
Community Financial System return on equity trends
Over the last five fiscal years, Community Financial System's return on equity increased from 8.32% to 11.17%, a change of +2.85 percentage points. The latest reported quarter, Q2 2026, shows 2.99%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Community Financial System source filings ↗