Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
62.86
-0.48 (-0.76%)
Sep 15, 2026, 3:31 PM EDT - Market open
CBU Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
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 | 243.41 | 557.41 | 301.76 | 245.25 | 231.18 | 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 |
Investment Securities | 3,898 | 3,802 | 3,808 | 3,775 | 3,697 | 3,676 | 3,625 | 3,692 | 3,613 | 3,647 | 3,679 | 3,529 | 3,799 | 4,187 | 4,839 | 4,777 | 5,154 | 5,319 | 4,441 | 3,352 |
Trading Asset Securities | 4.53 | 5.23 | 7.54 | 7.99 | 6.53 | 3.74 | 2.66 | 5.35 | 0.89 | 0.04 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | - | 0.04 | 0.13 | 0.03 | 0.43 |
Mortgage-Backed Securities | 589.19 | 559.62 | 568.97 | 572.42 | 574.87 | 553.51 | 514.15 | 521.47 | 475.25 | 441.77 | 420.53 | 370.42 | 375.97 | 395.24 | 396.9 | 398.31 | 440.5 | 471.42 | 497.4 | 535.07 |
Total Investments | 4,491 | 4,367 | 4,385 | 4,356 | 4,278 | 4,233 | 4,142 | 4,219 | 4,089 | 4,089 | 4,099 | 3,900 | 4,175 | 4,582 | 5,236 | 5,175 | 5,595 | 5,791 | 4,938 | 3,888 |
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 | 8,982 | 8,809 | 8,544 | 8,145 | 7,422 | 7,374 | 7,283 |
Allowance for Loan Losses | -91.7 | -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 | 11,191 | 11,041 | 10,862 | 10,665 | 10,437 | 10,338 | 10,353 | 10,176 | 9,952 | 9,813 | 9,638 | 9,385 | 9,107 | 8,919 | 8,748 | 8,483 | 8,089 | 7,372 | 7,324 | 7,233 |
Property, Plant & Equipment | 250.25 | 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 |
Goodwill | 900.65 | 889.35 | 887.98 | 855.79 | 854.82 | 854.52 | 853.23 | 852.49 | 852.26 | 849.79 | 845.4 | 845.4 | 843.96 | 842.94 | 841.84 | 844.98 | 849.81 | 799.08 | 799.11 | 799.13 |
Other Intangible Assets | 63.04 | 53.97 | 54.74 | 44.18 | 43.56 | 45.81 | 48.25 | 48.13 | 53.52 | 54.65 | 52.59 | 55.94 | 57.75 | 57.98 | 61 | 64.24 | 68.08 | 63.96 | 65.23 | 68.98 |
Loans Held for Sale | 1.57 | 0.15 | 0.11 | 0.34 | 1.19 | 0.5 | 1.47 | 0.74 | 1.23 | 0.09 | 0.41 | 0.6 | 1.4 | 0.3 | - | - | - | - | - | 0.12 |
Accrued Interest Receivable | 60.89 | 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 |
Restricted Cash | 14.76 | 14.76 | - | - | 6.07 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Other Current Assets | - | - | 0.5 | - | - | - | 1.4 | - | - | - | 2.7 | - | - | - | 5.4 | 5.1 | - | - | - | - |
Long-Term Deferred Tax Assets | - | - | 62.69 | - | - | - | 114.05 | - | - | - | 79.89 | - | - | - | 149.63 | - | - | - | - | - |
Other Real Estate Owned & Foreclosed | 7.7 | - | 5.78 | 5.64 | 7.95 | 2.75 | 2.78 | 2.28 | 1.66 | 1.74 | 1.16 | 0.58 | 0.62 | 0.51 | 0.5 | 0.53 | 0.62 | 0.42 | 0.72 | 0.89 |
Other Long-Term Assets | 498.63 | 484.99 | 405.64 | 481.53 | 501.03 | 489.35 | 388.92 | 490.74 | 474.17 | 457.29 | 385.02 | 494.76 | 471.26 | 447.55 | 321.91 | 551.74 | 462.58 | 374.23 | 347.02 | 816.48 |
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 |
Liabilities
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 |
Interest Bearing Deposits | 8,018 | 8,377 | 10,155 | 7,790 | 7,703 | 8,026 | 9,212 | 7,629 | 7,348 | 7,677 | 8,842 | 9,250 | 9,017 | 9,161 | 8,743 | 9,204 | 9,266 | 9,281 | 8,753 | 8,859 |
Institutional Deposits | 2,820 | 2,760 | 548.48 | 2,580 | 2,410 | 2,340 | 672.98 | 2,260 | 2,140 | 2,120 | 447.99 | - | - | - | 129.08 | - | - | - | 236.76 | - |
Non-Interest 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 Borrowings | 338.43 | 207.65 | 238.69 | 299.89 | 317.27 | 270.12 | 382.22 | 322.47 | 393.48 | 287.24 | 357.6 | 330.25 | 467.47 | 363.01 | 1,115 | 472.57 | 289.76 | 300.53 | 324.72 | 316.77 |
Current Portion of Leases | - | - | 12.61 | - | - | - | 11.58 | - | - | - | 9.66 | - | - | - | 9 | - | - | - | - | - |
Accrued Interest Payable | 208.45 | 196.77 | 132.66 | 190.83 | 179.46 | 172.6 | 107.13 | 190.15 | 166.14 | 167.33 | 106.09 | 153.51 | 134.11 | 130.98 | 87.1 | 151.76 | 155.87 | 150.45 | 96.07 | 214.38 |
Long-Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.25 | 3.26 | 3.26 | 3.27 | 3.28 | 3.28 |
Federal Home Loan Bank Debt, Long-Term | 433.72 | 446.32 | 458.77 | 471.28 | 583.44 | 595.46 | 619.31 | 630.97 | 539.12 | 395.12 | 407.6 | 316.84 | 17.28 | 17.28 | 19.47 | 19.47 | 19.47 | 1.86 | 1.89 | 2.91 |
Long-Term Leases | - | - | 52.45 | - | - | - | 46.03 | - | - | - | 31.75 | - | - | - | 22.1 | - | - | - | 32.83 | - |
Pension & Post-Retirement Benefits | - | - | 13.51 | - | - | - | 15.23 | - | - | - | 15.8 | - | - | - | 15.67 | - | - | - | 21.65 | - |
Long-Term Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 60.25 | - |
Other Long-Term Liabilities | - | - | 1.5 | - | - | - | - | - | - | - | 1.2 | - | - | - | - | - | - | - | - | - |
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 |
Shareholders' Equity
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 |
Common Stock | 55.07 | 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 |
Additional Paid-In Capital | 1,100 | 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 |
Retained Earnings | 1,457 | 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 |
Treasury Stock | -126.36 | -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 |
Comprehensive Income & Other | -413.06 | -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 |
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 |
Additional Metrics
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 |
Total Debt | 772.15 | 653.97 | 762.52 | 771.17 | 900.7 | 865.57 | 1,059 | 953.44 | 932.61 | 682.36 | 806.61 | 647.09 | 484.75 | 380.29 | 1,169 | 495.3 | 312.49 | 305.67 | 362.72 | 322.96 |
Net Cash (Debt) | -524.21 | -91.33 | -453.22 | -517.93 | -663 | -343.81 | -859.48 | -601.98 | -730.22 | -343.95 | -615.64 | -191.27 | -261.95 | -190.99 | -958.97 | -247.91 | -114.83 | 715.39 | 1,512 | 2,000 |
Net Cash Growth (YoY) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -62.04% | 22.05% | 36.92% |
Net Cash Per Share | -9.93 | -1.73 | -8.58 | -9.80 | -12.56 | -6.51 | -16.25 | -11.35 | -13.70 | -6.42 | -11.46 | -3.55 | -4.85 | -3.53 | -17.69 | -4.57 | -2.11 | 13.14 | 27.80 | 36.83 |
Filing Date Shares Outstanding | 52.62 | 52.55 | 52.72 | 52.66 | 52.86 | 52.85 | 52.71 | 52.56 | 52.54 | 52.77 | 53.33 | 53.39 | 53.53 | 53.73 | 53.77 | 53.73 | 53.73 | 53.91 | 53.86 | 53.93 |
Total Common Shares Outstanding | 52.6 | 52.54 | 52.68 | 52.66 | 52.87 | 52.84 | 52.67 | 52.55 | 52.52 | 52.76 | 53.33 | 53.43 | 53.53 | 53.72 | 53.74 | 53.74 | 53.73 | 53.91 | 53.88 | 53.93 |
Book Value Per Share | 39.41 | 38.52 | 38.08 | 36.82 | 35.62 | 34.71 | 33.47 | 33.97 | 31.80 | 31.40 | 31.84 | 29.10 | 30.22 | 30.41 | 28.88 | 27.19 | 30.92 | 34.35 | 38.99 | 38.38 |
Tangible Book Value | 1,109 | 1,081 | 1,063 | 1,039 | 984.71 | 933.74 | 861.36 | 884.32 | 764.4 | 752.52 | 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 | 21.09 | 20.57 | 20.18 | 19.73 | 18.63 | 17.67 | 16.35 | 16.83 | 14.55 | 14.26 | 15.00 | 12.23 | 13.37 | 13.65 | 12.07 | 10.27 | 13.84 | 18.35 | 22.95 | 22.29 |