Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
64.81
-0.27 (-0.41%)
Jul 31, 2026, 4:00 PM EDT - Market closed
CBU Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 |
Cash & Equivalents | 258.17 | 572.17 | 301.76 | 245.25 | 237.25 | 518.02 | 197 | 346.11 | 201.49 | 338.38 | 190.96 | 455.81 | 222.78 | 189.3 | 209.9 | 247.39 | 197.63 | 1,021 | 1,875 | 2,323 |
Securities and Investments | 4,524 | 4,391 | 4,407 | 4,381 | 4,350 | 4,301 | 4,218 | 4,288 | 4,167 | 4,152 | 4,165 | 3,960 | 4,232 | 4,631 | 5,315 | 5,227 | 5,643 | 5,832 | 4,979 | 4,403 |
Other Earning Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0.12 |
Gross Loans | 11,283 | 11,131 | 10,950 | 10,750 | 10,519 | 10,421 | 10,432 | 10,252 | 10,024 | 9,884 | 9,705 | 9,450 | 9,171 | - | 8,809 | - | 8,145 | 7,422 | - | 7,283 |
Allowance for Loan Losses | - | -90.19 | -87.92 | -84.94 | -81.85 | -82.84 | -79.11 | -76.17 | -71.44 | -70.09 | -66.67 | -64.95 | -63.28 | -63.17 | -61.06 | -60.36 | -55.54 | -50.15 | -49.87 | -49.5 |
Net Loans | 11,283 | 11,041 | 10,862 | 10,665 | 10,437 | 10,338 | 10,353 | 10,176 | 9,952 | 9,813 | 9,638 | 9,385 | 9,107 | 17,902 | 8,748 | 17,027 | 8,089 | 7,372 | 14,697 | 7,233 |
Net Property, Plant & Equipment | - | 247.45 | 246.51 | 212.67 | 201.1 | 189.76 | 183.76 | 178.43 | 178.1 | 170.97 | 173.42 | 174.75 | 158.35 | 158.56 | 160.78 | 161.97 | 169.02 | 158.4 | 160.65 | 160.78 |
Accrued Interest and Accounts Receivable | - | 56.56 | 57.73 | 54.53 | 57.58 | 53.54 | 54.34 | 50.82 | 58.09 | 53.76 | 54.53 | 46.93 | 46.09 | 42.48 | 52.61 | 41.63 | 43.22 | 38.59 | 35.89 | 34.07 |
Other Intangible Assets | - | 53.97 | 54.74 | 44.18 | 43.56 | 45.81 | 48.25 | 48.13 | 53.52 | - | 52.59 | 55.94 | 57.75 | 57.98 | 61 | 64.24 | 68.08 | 63.96 | 65.23 | 68.98 |
Goodwill | - | 889.35 | 887.98 | 855.79 | 854.82 | 854.52 | 853.23 | 852.49 | 852.26 | - | 845.4 | 845.4 | 843.96 | 842.94 | 841.84 | 844.98 | 849.81 | 799.08 | 799.11 | 799.13 |
Long-Term Investments | - | 36.74 | 37.07 | 37.35 | - | - | 0 | - | - | - | - | - | - | - | - | - | - | - | - | - |
Other Non-Earning Assets | - | 457.04 | 448.93 | 462.17 | 483.37 | 463 | 477.83 | 465.67 | 444.39 | 425.59 | 435.61 | 462.38 | 439.73 | 414.8 | 446.3 | 523.8 | 427.91 | 341.2 | 313.85 | 308.89 |
Total Assets | 17,764 | 17,745 | 17,303 | 16,958 | 16,665 | 16,764 | 16,386 | 16,405 | 15,907 | 15,859 | 15,556 | 15,386 | 15,108 | 15,256 | 15,836 | 15,595 | 15,488 | 15,626 | 15,553 | 15,331 |
Interest-bearing deposits | - | 11,137 | 10,704 | 10,370 | 10,113 | 10,366 | 9,884 | 9,889 | 9,488 | 9,797 | 9,290 | 9,250 | 9,017 | 9,161 | 8,872 | 9,204 | 9,266 | 9,281 | 8,990 | 8,859 |
Noninterest-bearing deposits | 3,873 | 3,733 | 3,683 | 3,687 | 3,589 | 3,526 | 3,557 | 3,587 | 3,649 | 3,555 | 3,639 | 3,781 | 3,855 | 3,950 | 4,141 | 4,282 | 4,092 | 4,037 | 3,922 | 3,865 |
Total Deposits | 14,710 | 14,870 | 14,387 | 14,057 | 13,702 | 13,892 | 13,442 | 13,476 | 13,138 | 13,352 | 12,928 | 13,031 | 12,872 | 13,111 | 13,012 | 13,486 | 13,358 | 13,318 | 12,911 | 12,724 |
Short-Term Interbank Borrowing and Repurchase Agreements | 764.1 | 647.35 | 689.93 | 763.35 | 894.46 | 862.04 | 998.87 | 948.42 | 932.17 | 682.36 | 765.2 | 647.09 | 484.75 | 380.29 | 1,135 | 492.04 | 309.23 | 302.4 | 326.61 | 319.68 |
Long-Term Debt | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 3.25 | 3.26 | 3.26 | 3.27 | 3.28 | 3.28 |
Other Liabilities | 216.5 | 203.4 | 220.24 | 198.66 | 185.7 | 176.14 | 182.64 | 195.16 | 166.57 | 167.33 | 164.5 | 153.51 | 134.11 | 130.98 | 133.86 | 151.76 | 155.88 | 150.45 | 210.8 | 214.39 |
Total Liabilities | 15,691 | 15,721 | 15,297 | 15,019 | 14,782 | 14,930 | 14,623 | 14,620 | 14,237 | 14,202 | 13,858 | 13,831 | 13,491 | 13,622 | 14,284 | 14,133 | 13,826 | 13,774 | 13,452 | 13,261 |
Common Stock | - | 55 | 54.91 | 54.89 | 54.89 | 54.85 | 54.7 | 54.57 | 54.55 | 54.54 | 54.37 | 54.36 | 54.36 | 54.36 | 54.19 | 54.19 | 54.19 | 54.16 | 54.09 | 54.07 |
Treasury Stock | - | -125.79 | -110.95 | -110.9 | -99.87 | -99.83 | -100.54 | -100.49 | -100.45 | -89.03 | -55.59 | -51.2 | -46.04 | -36.33 | -26.49 | -26.43 | -26.37 | -13.46 | -10.61 | -5.69 |
Additional Paid-in Capital | - | 1,094 | 1,088 | 1,085 | 1,082 | 1,078 | 1,076 | 1,069 | 1,066 | 1,064 | 1,060 | 1,057 | 1,055 | 1,053 | 1,050 | 1,048 | 1,046 | 1,044 | 1,041 | 1,039 |
Accumulated Other Comprehensive Income | - | -419.46 | -413.61 | -447.83 | -481.54 | -499.86 | -542.19 | -488.19 | -579.99 | -578.06 | -550 | -684.86 | -604.92 | -571.35 | -678.68 | -738.68 | -511.09 | -314.41 | -42.27 | -55.53 |
Retained Earnings | - | 1,420 | 1,388 | 1,358 | 1,328 | 1,301 | 1,275 | 1,250 | 1,230 | 1,206 | 1,189 | 1,179 | 1,159 | 1,135 | 1,152 | 1,124 | 1,099 | 1,082 | 1,058 | 1,038 |
Total Common Shareholders' Equity | - | 2,024 | 2,006 | 1,939 | 1,883 | 1,834 | 1,763 | 1,785 | 1,670 | 1,657 | 1,698 | 1,555 | 1,617 | 1,634 | 1,552 | 1,461 | 1,662 | 1,852 | 2,101 | 2,070 |
Shareholders' Equity | 2,073 | 2,024 | 2,006 | 1,939 | 1,883 | 1,834 | 1,763 | 1,785 | 1,670 | 1,657 | 1,698 | 1,555 | 1,617 | 1,634 | 1,552 | 1,461 | 1,662 | 1,852 | 2,101 | 2,070 |
Total Liabilities & Equity | 17,764 | 17,745 | 17,303 | 16,958 | 16,665 | 16,764 | 16,386 | 16,405 | 15,907 | 15,859 | 15,556 | 15,386 | 15,108 | 15,256 | 15,836 | 15,595 | 15,488 | 15,626 | 15,553 | 15,331 |
Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.25 | 3.26 | 3.26 | 3.27 | 3.28 | 3.28 |
Net Cash (Debt) | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -3.25 | -3.26 | -3.26 | -3.27 | -3.28 | -3.28 |
Net Cash Growth (YoY) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net Cash Per Share | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.06 | -0.06 | -0.06 | -0.06 | -0.06 | -0.06 |
Book Value | 0 | 2,024 | 2,006 | 1,939 | 1,883 | 1,834 | 1,763 | 1,785 | 1,670 | 1,657 | 1,698 | 1,555 | 1,617 | 1,634 | 1,552 | 1,461 | 1,662 | 1,852 | 2,101 | 2,070 |
Book Value Per Share | - | 38.34 | 37.88 | 36.72 | 35.45 | 34.66 | 33.21 | 33.88 | 31.66 | 31.08 | 31.64 | 29.01 | 30.07 | 30.23 | 28.60 | 26.99 | 30.65 | 34.06 | 38.51 | 38.04 |
Tangible Book Value | 0 | 1,081 | 1,063 | 1,039 | 984.71 | 933.74 | 861.36 | 884.32 | 764.4 | 1,657 | 799.95 | 653.61 | 715.7 | 733.1 | 648.87 | 551.94 | 743.81 | 989.07 | 1,236 | 1,202 |
Tangible Book Value Per Share | - | 20.47 | 20.08 | 19.68 | 18.54 | 17.64 | 16.23 | 16.79 | 14.49 | 31.08 | 14.91 | 12.19 | 13.30 | 13.56 | 11.96 | 10.20 | 13.72 | 18.19 | 22.66 | 22.09 |