Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
64.81
-0.27 (-0.41%)
Jul 31, 2026, 4:00 PM EDT - Market closed
CBU Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Quarter | 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 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | 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 | Jun '21 Jun 30, 2021 |
Net Income | 57.22 | 54.42 | 55.09 | 51.33 | 49.61 | 49.79 | 43.9 | 47.92 | 40.87 | 33.71 | 44.13 | 48.29 | 5.8 | 52.53 | 48.69 | 39.81 | 47.06 | 43.56 | 45.34 | 47.94 |
Depreciation & Amortization | 9.5 | 8.14 | 7.13 | 7.03 | 7.13 | 7.01 | 6.8 | 7.27 | 6.86 | 6.77 | 6.81 | 6.95 | 6.97 | 7.25 | 7.42 | 7.53 | 7.42 | 7.45 | 7.59 | 7.23 |
Provision for Credit Losses | 5.64 | 4.98 | 5.52 | 4.16 | 6.69 | 6.21 | 8.41 | 2.71 | 6.15 | 4.07 | 0.45 | 0.75 | 3.5 | 2.77 | 5.06 | 6.04 | 0.91 | 2.16 | -0.94 | -4.34 |
Stock-Based Compensation | 2.97 | 2.97 | 2.33 | 2.52 | 3.05 | 1.87 | 2.08 | 2.05 | 2.38 | 0.56 | 2.52 | 1.82 | 2.27 | -0.31 | 1.86 | 2.3 | 1.89 | 1.5 | 1.59 | 1.57 |
Other Adjustments | 3.65 | 3.73 | 2.34 | 2.31 | 1.86 | 1.86 | 9.5 | 1.05 | 0.88 | 1.23 | 2.67 | 0.22 | 51.84 | -4.54 | -5.56 | -5.3 | -5.33 | -6.56 | -5.86 | -5.15 |
Changes in Other Operating Activities | -7.42 | -1.62 | 28.64 | -13.61 | -5.83 | -1.67 | -5.63 | -21.34 | 22.76 | 3.86 | 6.95 | -16.7 | 6.99 | 10.66 | -13.45 | -3.44 | -0 | -7.58 | 17.23 | -20.98 |
Operating Cash Flow | 71.56 | 84.58 | 101.09 | 53.69 | 62.51 | 65.74 | 56.86 | 39.79 | 79.89 | 44.71 | 64.86 | 41.48 | 77.37 | 71.56 | 44.12 | 46.98 | 51.94 | 49.52 | 64.95 | 26.27 |
Operating Cash Flow Growth (YoY) | 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% | -61.74% |
Net Change in Loans Held-for-Investment | -192.35 | -177.35 | -241.06 | -115.95 | 1.53 | -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 | 126.87 |
Net Change in Securities and Investments | 13.8 | 9.7 | 18.15 | -20.94 | -21.97 | -9.98 | 3.33 | -44.41 | -19.39 | -30.28 | -538.1 | 358.91 | 779.86 | 15.67 | 122.32 | -91.95 | -1,207 | -1,073 | -363.72 | -138.22 |
Cash Acquisitions | -12.86 | 474.16 | -4.17 | -0.06 | -0.24 | -4.07 | -1.09 | -4.47 | -6 | -0.22 | -1.93 | -4.32 | -2.06 | - | - | - | -2.46 | - | - | - |
Proceeds from Business Divestments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0 | - | - | - | -26.43 | - |
Capital Expenditures | -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 | -2.98 | -4.61 | -4.81 |
Sale of Property, Plant & Equipment | 0 | 0.18 | 0.28 | 0.6 | 0.93 | 2.66 | 1.44 | 0.43 | 1.22 | 1.57 | 1.54 | 2.73 | 1.63 | 0.5 | 1.45 | 0.12 | 0.37 | 0.1 | - | - |
Other Investing Activities | - | 0 | - | - | - | 0 | - | - | - | - | - | - | - | 0 | 0 | 0 | -0.25 | - | -0.27 | -0.17 |
Investing Cash Flow | -202.66 | 283.69 | -281.82 | -153.66 | -30.31 | -210.63 | -239.07 | -171.24 | -214.68 | -296.87 | -123.23 | 159.8 | 596.07 | -253.82 | -282.67 | -341.39 | -1,261 | -663.97 | -432.6 | -19.23 |
Net Change in Deposits | 483.04 | -213.5 | 355.08 | -190.28 | 450.34 | -34.46 | 338.28 | -214.13 | 423.9 | -102.67 | 159 | -238.89 | 98.36 | -474.01 | 128.55 | -482.19 | 406.5 | 187.35 | 384.8 | 134.79 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -30.14 | -60.91 | -18.95 | 44.44 | -112.97 | 62.11 | -75.61 | 105.81 | -70.35 | 27.34 | -137.22 | 104.46 | -752.05 | 642.48 | 182.82 | -10.78 | -24.19 | 7.96 | 121.88 | - |
Long-Term Debt Issued | - | 0 | 0 | - | - | 0 | 100 | - | - | 100 | 300 | - | - | 0 | - | - | - | - | - | - |
Long-Term Debt Repaid | -12.37 | -12.44 | -112.08 | -11.94 | -23.8 | -11.66 | -11.52 | -11.38 | -12.51 | -9.26 | -0.47 | -0.02 | -5.22 | -0.02 | 0 | 0 | 0 | -1.02 | -0.02 | 0 |
Net Long-Term Debt Issued (Repaid) | -12.37 | -12.44 | -112.08 | -11.94 | -23.8 | -11.66 | 88.48 | -11.38 | -12.51 | 90.74 | 299.53 | -0.02 | -5.22 | -0.02 | 0 | 0 | 0 | -1.02 | -0.02 | 0 |
Issuance of Common Stock | 6.12 | 0.66 | 0.95 | 1.33 | 2.34 | 4.39 | 1.31 | 0.44 | 0.96 | 0.3 | 0.05 | 0.15 | 0.51 | 0.1 | 0.29 | 0.31 | 0.49 | 0.68 | 0.47 | 1.34 |
Repurchase of Common Stock | -15.51 | -0.04 | -11.03 | -0.04 | -0.05 | 0.15 | -0.05 | -11.42 | -34.52 | -4.18 | -5.16 | -9.71 | -10.97 | -0.08 | -0.06 | -12.91 | -3.59 | -4.92 | -0.06 | -0.06 |
Net Common Stock Issued (Repurchased) | -9.39 | 0.62 | -10.09 | 1.29 | 2.29 | 4.54 | 1.26 | -10.98 | -33.56 | -3.87 | -5.11 | -9.56 | -10.45 | 0.02 | 0.23 | -12.59 | -3.11 | -4.24 | 0.41 | 1.28 |
Common Dividends Paid | -24.82 | -24.73 | -24.31 | -24.24 | -24.27 | -24.17 | -23.74 | -23.84 | -24.03 | -24.05 | -23.61 | -23.73 | -23.71 | -23.71 | -23.23 | -23.22 | -23.24 | -23.23 | -22.66 | -22.61 |
Other Financing Activities | -4.8 | -0.79 | -0.92 | 0.23 | -2.77 | -0.56 | -1.85 | -0.91 | -1.25 | -0.01 | -1.19 | -0.06 | -0.99 | -0.02 | -0.02 | -0.11 | -0.93 | 0.03 | -0.02 | -0.01 |
Financing Cash Flow | 401.52 | -311.76 | 188.73 | -180.8 | 288.82 | -4.21 | 326.83 | -5.43 | 282.2 | -12.69 | 291.4 | -167.8 | -694.04 | 144.76 | 288.31 | -528.89 | 355.04 | 166.85 | 484.38 | 47.54 |
Net Cash Flow | 270.42 | 56.51 | 8 | -280.77 | 321.02 | -149.11 | 144.62 | -136.89 | 147.42 | -264.85 | 233.03 | 33.48 | -20.6 | -37.5 | 49.76 | -823.3 | -854.14 | -447.6 | 116.74 | 54.58 |
Free Cash Flow | 60.3 | 61.57 | 83.43 | 36.39 | 51.95 | 58.54 | 51.93 | 33.78 | 77.33 | 40.01 | 57.91 | 38.61 | 73.3 | 68.66 | 39.57 | 44.1 | 49.36 | 46.54 | 60.34 | 21.45 |
Free Cash Flow Growth (YoY) | 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% | 47.51% | -34.42% | 105.54% | -19.00% | -3.59% | 133.90% | -68.00% |
FCF Margin | 29.04% | 32.83% | 41.40% | 18.65% | 27.41% | 34.28% | 28.65% | 18.65% | 45.19% | 25.83% | 33.57% | 22.13% | 60.57% | 39.65% | 23.20% | 27.36% | 30.92% | 29.55% | 38.22% | 13.76% |
Free Cash Flow Per Share | 1.14 | 1.16 | 1.58 | 0.68 | 0.98 | 1.10 | 0.99 | 0.64 | 1.45 | 0.75 | 1.08 | 0.72 | 1.36 | 1.27 | 0.73 | 0.81 | 0.91 | 0.85 | 1.11 | 0.39 |