Community Financial System, Inc. (CBU)

NYSE: CBU · Real-Time Price · USD

64.85

-0.47 (-0.72%)

At close: Aug 7, 2026, 4:00 PM EDT

64.81

-0.04 (-0.06%)

After-hours: Aug 7, 2026, 7:00 PM EDT

CBU Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	228.06	210.46	182.48	131.92	188.08	189.69
Depreciation & Amortization	35.27	29.42	27.94	27.5	29.63	29.64
Provision for Credit Losses	20.79	21.35	22.77	11.2	14.78	-8.84
Stock-Based Compensation	11.02	10.86	8.37	9.27	7.74	6.33
Other Adjustments	7.11	22.2	6.59	47.42	-19.38	-16.35
Changes in Other Operating Activities	-5.65	7.57	-5.88	1.11	-6.23	2.06
Operating Cash Flow	308.27	301.86	242.28	228.42	214.6	202.55
Operating Cash Flow Growth	29.09%	24.59%	6.07%	6.44%	5.95%	12.85%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Change in Loans Held-for-Investment	-772.6	-532.83	-765.58	-923.28	-1,004	49.93
Net Change in Securities and Investments	39.81	-15.06	-39.46	1,279	-1,124	-1,538
Cash Acquisitions	443.4	469.69	-15.62	-8.52	-0.67	-29.33
Capital Expenditures	-61.6	-68.53	-20.7	-18.59	-12.92	-13.73
Sale of Property, Plant & Equipment	1.96	1.97	5.74	7.47	2.43	0.2
Other Investing Activities	-	-37.35	0	0	-0.25	-0.65
Investing Cash Flow	-380.57	-182.1	-835.62	335.78	-2,139	-1,531

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Change in Deposits	344.83	401.64	513.59	-84.19	-421.16	1,686
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	19.36	-148.39	21.96	-757.46	790.33	40.71
Long-Term Debt Issued	-	0	250	400	0	0
Long-Term Debt Repaid	-149.4	-160.26	-47.07	-14.97	-0.1	-82.09
Net Long-Term Debt Issued (Repaid)	-149.4	-160.26	202.93	385.03	-0.1	-82.09
Issuance of Common Stock	11.71	5.28	7.09	1.02	1.18	9.82
Repurchase of Common Stock	-27.15	-11.17	-45.84	-30.02	-16.63	-5.11
Net Common Stock Issued (Repurchased)	-15.44	-5.89	-38.75	-29	-15.45	4.72
Common Dividends Paid	-98.58	-97.56	-95.78	-95.1	-93.39	-91.05
Other Financing Activities	-7.54	-4.55	-4.57	-2.41	-1.05	-0.99
Financing Cash Flow	93.22	-15.01	599.38	-583.13	259.22	1,557

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Cash Flow	20.93	104.75	6.04	-18.93	-1,665	229.26

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Free Cash Flow	246.67	233.33	221.57	209.84	201.68	188.82
Free Cash Flow Growth	24.08%	5.31%	5.59%	4.04%	6.81%	14.59%
FCF Margin	30.23%	29.29%	30.62%	32.74%	30.35%	30.00%
Free Cash Flow Per Share	4.67	4.42	4.19	3.91	3.72	3.47

SEC Filings: 10-K · 10-Q