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Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
63.80
-0.68 (-1.05%)
At close: Nov 3, 2026, 4:00 PM EST
64.00
+0.20 (0.31%)
After-hours: Nov 3, 2026, 7:30 PM EST

CBU Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
210.46182.48131.92188.08189.69
Depreciation & Amortization
30.228.6628.3530.4330.16
Gain (Loss) on Sale of Assets
-0.86-2.38-1.49-0.66-0.33
Gain (Loss) on Sale of Investments
13.7110.0758.21-18.69-22.52
Provision for Credit Losses
21.3522.7711.214.77-8.84
Change in Other Net Operating Assets
7.57-5.881.11-6.232.06
Other Operating Activities
8.28-1.82-10.16-0.845.98
Operating Cash Flow
301.86242.28228.42214.6202.55
Operating Cash Flow Growth
24.59%6.07%6.44%5.95%12.85%

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-68.53-20.7-18.59-12.92-13.38
Sale of Property, Plant and Equipment
1.975.747.472.430.2
Cash Acquisitions
469.69-15.62-8.52-0.67-29.33
Investment in Securities
-52.41-39.461,279-1,124-1,538
Income (Loss) Equity Investments
0.29----
Net Decrease (Increase) in Loans Originated / Sold - Investing
-532.83-765.58-923.28-1,00449.93
Investing Cash Flow
-182.1-835.62335.78-2,139-1,531

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
-65-790.3340.71
Long-Term Debt Issued
-250400--
Total Debt Issued
-315400790.3340.71
Short-Term Debt Repaid
-148.39-43.04-757.46--
Long-Term Debt Repaid
-160.26-47.07-14.97-0.1-82.09
Total Debt Repaid
-308.65-90.12-772.43-0.1-82.09
Net Debt Issued (Repaid)
-308.65224.89-372.43790.24-41.38
Issuance of Common Stock
5.287.091.021.189.82
Repurchase of Common Stock
-14.34-47.32-31.21-17.9-6.35
Common Dividends Paid
-97.56-95.78-95.1-93.39-91.05
Net Increase (Decrease) in Deposit Accounts
401.64513.59-84.19-421.161,686
Other Financing Activities
-1.38-3.09-1.210.240.25
Financing Cash Flow
-15.01599.38-583.13259.221,557

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
104.756.04-18.93-1,665229.26

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
233.33221.57209.84201.68189.17
Free Cash Flow Growth
5.31%5.59%4.04%6.61%14.86%
Free Cash Flow Margin
29.29%30.62%32.75%30.35%30.05%
Free Cash Flow Per Share
4.424.193.913.723.48

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
193.05192.87100.0423.413.75
Cash Income Tax Paid
40.543.7341.6657.1341.53
SEC Filings: 10-K · 10-Q