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Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
59.93
+0.39 (0.66%)
Oct 1, 2026, 4:00 PM EDT - Market closed

CBU Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Net Income
61.3357.2254.4255.0951.3349.6149.7943.947.9240.8733.7144.1348.295.852.5348.6939.8147.0643.5645.34
Depreciation & Amortization
10.79.718.347.327.227.327.196.977.457.046.977.027.167.27.57.687.727.537.577.72
Gain (Loss) on Sale of Assets
-0.87-0.180.66-0.52-0.46-0.53-1.23-0.2-0.09-0.87-0.42-0.01-0.66-0.4-0.09-0.270.15-0.450.08-0.41
Gain (Loss) on Sale of Investments
-1.664.283.993.573.42.753.582.631.692.182.111.981.2952.84-4.2-4.85-5.09-4.55-5.24-5.52
Provision for Credit Losses
4.615.644.985.564.126.696.217.712.716.154.072.880.753.52.775.066.040.912.16-0.94
Change in Other Net Operating Assets
-25.25-7.42-1.6228.64-13.61-5.83-1.67-5.63-21.3422.763.866.95-16.76.9910.66-13.45-3.44-0-7.5817.23
Other Operating Activities
-1.03-0.9910.56-0.9-0.82-0.56-0.01-0.61-0.6-0.61-8.15-0.6-0.58-0.830.71-0.6-0.5-0.447.48-0.52
Operating Cash Flow
51.0571.5684.58101.0953.6962.5165.7456.8639.7979.8944.7164.8641.4877.3771.5644.1246.9851.9449.5264.95
Operating Cash Flow Growth (YoY)
-4.91%14.48%28.66%77.79%34.94%-21.76%47.04%-12.34%-4.09%3.26%-37.53%47.00%-11.70%48.97%44.51%-32.07%78.84%-15.97%-8.71%117.35%

Investing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Capital Expenditures
-9.67-11.26-23.01-17.66-17.3-10.56-7.2-4.93-6.01-2.56-4.7-6.95-2.87-4.07-2.91-4.55-2.88-2.58-3.08-4.61
Sale of Property, Plant and Equipment
1.51-0.180.280.60.932.661.440.431.221.571.542.731.630.51.450.120.370.10.1
Cash Acquisitions
-13.73-12.86474.16-4.17-0.06-0.24-4.07-1.09-4.47-6-0.22-1.93-4.32-2.06-1.01-2.81-2.46--26.43
Investment in Securities
3.9813.89.7-19.21-20.94-21.97-9.983.33-13.42-19.39-30.28170.19358.91779.8618.27119.72-55.19-1,207-569.42-363.98
Income (Loss) Equity Investments
0.460.330.29-----------------
Net Decrease (Increase) in Loans Originated / Sold - Investing
-161.85-192.35-177.35-241.06-115.951.53-192.05-237.81-147.77-187.95-263.25-286.08-194.66-179.29-268.67-399.28-286.24-49.56-91.56-37.68
Investing Cash Flow
-179.77-202.66283.69-281.82-153.66-30.31-210.63-239.07-171.24-214.68-296.87-123.23159.8596.07-253.82-282.67-341.39-1,261-663.97-432.6

Financing Activities

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Short-Term Debt Issued
-----5.03--------------
Total Debt Issued
172.8---12.47.375.0352.15-11.75274.6-100300--642.4881.8566-7.9632.76
Short-Term Debt Repaid
--30.14----118----70.35----752.05----24.19--
Long-Term Debt Repaid
--12.37----23.8----12.51----5.22----0.02--
Total Debt Repaid
-55.96-42.5-73.35-118.6325.13-141.8-1.724.62-30.17-82.8718.08-137.69104.44-757.26-0.02100.93-76.79-24.21-1.0289.1
Net Debt Issued (Repaid)
116.84-42.5-73.35-131.0332.5-136.7750.4512.88244.43-82.87118.08162.31104.44-757.26642.46182.78-10.79-24.216.93121.85
Issuance of Common Stock
3.986.120.660.951.332.344.391.310.440.960.30.050.150.510.10.290.310.490.680.47
Repurchase of Common Stock
-0.93-18.64-0.39-11.4-0.11-2.44-0.02-0.08-11.45-35.76-4.41-5.19-9.82-12.01-0.14-0.14-13.06-4.56-4.95-0.14
Common Dividends Paid
-24.71-24.82-24.73-24.31-24.24-24.27-24.17-23.75-23.84-24.03-24.05-23.61-23.73-23.71-23.71-23.23-23.22-23.24-23.23-22.66
Net Increase (Decrease) in Deposit Accounts
-279.79483.04-213.5355.08-190.28450.34-34.46338.28-214.13423.9-102.67159-238.8998.36-474.01128.55-482.19406.5187.35384.8
Other Financing Activities
-0.67-1.67-0.45-0.55--0.38-0.4-1.81-0.88-0.05-1.160.050.060.060.060.060.060.060.06
Financing Cash Flow
-185.28401.52-311.76188.73-180.8288.82-4.21326.83-5.43282.2-12.69291.4-167.8-694.04144.76288.31-528.89355.04166.85484.38

Net Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Net Cash Flow
-314270.4256.518-280.77321.02-149.11144.62-136.89147.42-264.85233.0333.48-20.6-37.549.76-823.3-854.14-447.6116.74

Free Cash Flow

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Free Cash Flow
41.3860.361.5783.4336.3951.9558.5451.9333.7877.3340.0157.9138.6173.368.6639.5744.149.3646.4460.34
Free Cash Flow Growth (YoY)
13.72%16.06%5.18%60.66%7.72%-32.82%46.30%-10.33%-12.52%5.50%-41.72%46.35%-12.44%48.52%47.83%-34.42%105.54%-19.00%-4.39%133.90%
Free Cash Flow Margin
18.93%29.04%29.25%41.40%18.65%27.41%30.80%28.65%18.65%45.19%23.14%33.57%22.13%60.69%39.65%23.20%27.36%30.92%29.48%38.22%
Free Cash Flow Per Share
0.781.141.161.580.690.981.100.990.641.450.741.080.721.361.260.730.810.910.851.11

Additional Metrics

Fiscal Quarter
Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Period Ending
Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21
Cash Interest Paid
45.845.7147.0249.7848.6247.6449.850.7747.34535.8927.7421.5914.8211.615.833.132.843.033.08
Cash Income Tax Paid
24.524.478.668.4919.63.7510.7816.1813.43.3612.4610.7217.411.0716.0715.8121.93.347.4611.59
SEC Filings: 10-K · 10-Q