Community Financial System, Inc. (CBU)

CBU Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	218.06	210.46	182.48	131.92	188.08	189.69
Depreciation & Amortization	31.8	29.42	27.94	27.5	29.63	29.64
Provision for Credit Losses	20.3	21.35	22.77	11.2	14.78	-8.84
Stock-Based Compensation	10.78	10.86	8.37	9.27	7.74	6.33
Other Adjustments	12.03	22.2	6.59	47.42	-19.38	-16.35
Changes in Other Operating Activities	5.99	7.57	-5.88	1.11	-6.23	2.06
Operating Cash Flow	310.91	301.86	242.28	228.42	214.6	202.55
Operating Cash Flow Growth	38.25%	24.59%	6.07%	6.44%	5.95%	12.85%
Net Change in Loans Held-for-Investment	-726.7	-532.83	-765.58	-923.28	-1,004	49.93
Net Change in Securities and Investments	20.71	-15.06	-39.46	1,279	-1,124	-1,538
Payments for Business Acquisitions	457.07	469.69	-15.62	-8.52	-0.67	-29.33
Capital Expenditures	-69.23	-68.53	-20.7	-18.59	-12.92	-13.73
Sale of Property, Plant & Equipment	1.05	1.97	5.74	7.47	2.43	0.2
Other Investing Activities	-	-37.35	0	0	-0.25	-0.65
Investing Cash Flow	-354.46	-182.1	-835.62	335.78	-2,139	-1,531
Net Change in Deposits	434.34	401.64	513.59	-84.19	-421.16	1,686
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-65.55	-148.39	21.96	-757.46	790.33	40.71
Long-Term Debt Issued	-	0	250	400	0	0
Long-Term Debt Repaid	-148.83	-160.26	-47.07	-14.97	-0.1	-82.09
Net Long-Term Debt Issued (Repaid)	-148.83	-160.26	202.93	385.03	-0.1	-82.09
Issuance of Common Stock	9.06	5.28	7.09	1.02	1.18	9.82
Repurchase of Common Stock	-26.63	-11.17	-45.84	-30.02	-16.63	-5.11
Net Common Stock Issued (Repurchased)	-17.57	-5.89	-38.75	-29	-15.45	4.72
Common Dividends Paid	-98.12	-97.56	-95.78	-95.1	-93.39	-91.05
Other Financing Activities	-6.27	-4.55	-4.57	-2.41	-1.05	-0.99
Financing Cash Flow	97.7	-15.01	599.38	-583.13	259.22	1,557
Net Cash Flow	54.15	104.75	6.04	-18.93	-1,665	229.26
Free Cash Flow	241.68	233.33	221.57	209.84	201.68	188.82
Free Cash Flow Growth	3.58%	5.31%	5.59%	4.04%	6.81%	14.59%
FCF Margin	30.52%	29.29%	30.62%	32.74%	30.35%	30.00%
Free Cash Flow Per Share	4.58	4.42	4.19	3.91	3.72	3.47
Levered Free Cash Flow	37.79	18.67	386.76	526.98	198.46	125.59
Unlevered Free Cash Flow	-31.45	-31.53	1.35	10.02	10.47	17.98

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q