Company / Return on Assets (ROA)
Community Bank System, Inc. Return on Assets (ROA) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Assets (ROA)
1.2%
FY2025
5-year range
0.9% / 1.2%
FY2021-FY2025
Trend
+9.9%
vs FY2024
Sector context
#214 of 402
Financials
What the data says
At 1.2%, Community Bank System, Inc.'s return on assets (roa) ranks #214 of 402 in the Financials sector. Return on Assets (ROA) has fluctuated over the past 10 years, ranging from 0.9% in FY2023 to 1.6% in FY2018.
Based on SEC 10-K filings.
1.2% in FY2025 with a 5-year CAGR of +0.0%.
Improved from 0.9% to 1.2% over the past 2 years.
Financials sector context is included.
Return on Assets (ROA) over time
Growth rates
- 3-Year Change
- +0.0pp
- 5-Year Change
- +0.0pp
- 10-Year Change
- -
Sector benchmark
#214 of 402 in FinancialsTop 53% of 402This company 1.2% Sector average 2.8%
▼
-55.8% below sector average
Key checks
Key Insights
- In FY2025, return on assets (roa) increased 9.9% year-over-year.
- Currently 1.5pp below the Financials sector average.
- Peak return on assets (roa) was recorded in FY2018.
- Lowest return on assets (roa) in the period was in FY2023.
Company context
Key Data Points
- Altman Z-Score 0.17 (distress zone, below 1.8 threshold)
- Strong profit margin: 25.8%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Return on Assets (ROA)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 1.2% | +9.9% |
| FY2024 | 1.1% | +30.6% |
| FY2023 | 0.9% | -28.6% |
| FY2022 | 1.2% | -2.5% |
| FY2021 | 1.2% | +3.4% |
| FY2020 | 1.2% | -20.3% |
| FY2019 | 1.5% | -6.9% |
| FY2018 | 1.6% | +13.6% |
| FY2017 | 1.4% | +16.7% |
| FY2016 | 1.2% | +12.1% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026