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Community Financial System, Inc. (CBU)
NYSE: CBU · Real-Time Price · USD
62.86
-0.48 (-0.76%)
Sep 15, 2026, 3:31 PM EDT - Market open

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
228.06218.06210.46205.83194.64191.22182.48166.39166.62167131.92150.75155.31146.82188.08179.12175.76183.9189.69192.62
Depreciation & Amortization
36.0732.5930.229.0528.728.9328.6628.4328.4828.1928.3528.8829.5430.130.4330.530.5430.1730.1630.25
Gain (Loss) on Sale of Assets
-0.92-0.5-0.86-2.74-2.41-2.04-2.38-1.58-1.39-1.96-1.49-1.15-1.41-0.6-0.66-0.49-0.63-0.78-0.33-0.41
Gain (Loss) on Sale of Investments
10.1815.2413.7113.312.3510.6510.078.617.967.5658.2151.945.0838.69-18.69-19.74-20.41-19.92-22.52-20.7
Provision for Credit Losses
20.7920.321.3522.5824.7223.3222.7720.6415.8113.8511.29.912.0817.3714.7714.178.16-2.21-8.84-14.1
Change in Other Net Operating Assets
-5.655.997.577.53-26.74-34.47-5.88-0.3512.2316.871.117.9-12.490.76-6.23-24.476.21-11.332.0619.65
Other Operating Activities
7.647.858.28-2.28-1.99-1.77-1.82-9.97-9.96-9.94-10.16-1.3-1.3-1.23-0.845.936.016.025.98-4.77
Operating Cash Flow
308.27310.91301.86283.02238.79224.89242.28221.24229.24230.94228.42255.28234.54240.04214.6192.56213.38192.67202.55207.27
Operating Cash Flow Growth (YoY)
29.09%38.25%24.59%27.92%4.17%-2.62%6.07%-13.33%-2.26%-3.79%6.44%32.57%9.92%24.58%5.95%-7.10%23.91%-10.22%12.85%4.29%

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
-61.6-69.23-68.53-52.72-39.99-28.7-20.7-18.2-20.21-17.07-18.59-16.8-14.4-14.41-12.92-13.09-13.15-15.08-13.38-15.97
Sale of Property, Plant and Equipment
1.961.051.974.465.625.455.744.654.757.067.476.416.323.72.432.030.680.570.20.1
Cash Acquisitions
443.4457.07469.69-8.54-5.46-9.87-15.62-11.77-12.61-12.45-8.52-9.31-7.39-0.27-0.670.35-26.08-31.79-29.33-29.33
Investment in Securities
8.28-16.64-52.41-72.09-49.56-42.03-39.46-59.76107.11479.441,2791,3271,277862.66-1,124-1,712-2,195-2,279-1,538-1,327
Income (Loss) Equity Investments
1.070.610.29-----------------
Net Decrease (Increase) in Loans Originated / Sold - Investing
-772.6-726.7-532.83-547.53-544.29-576.11-765.58-836.78-885.05-931.94-923.28-928.7-1,042-1,133-1,004-826.63-465.03-51.9249.93184.6
Investing Cash Flow
-380.57-354.46-182.1-676.42-633.67-651.25-835.62-921.85-806.01-474.97335.78378.83219.39-281.8-2,139-2,549-2,699-2,377-1,531-1,187

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
------65-------790.33---40.71-
Long-Term Debt Issued
------250---400---------
Total Debt Issued
160.4-5.03-52.1552.8320.03315362.85674.6400400942.48724.33790.33790.33155.81106.7140.7140.7138.07
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
-290.45-209.35-308.65-237-93.74-149.05-90.12-70.33-232.64-98.03-772.43-790.54-551.92-733.14-0.1-1.09-12.92-2.04-82.09-91.07
Net Debt Issued (Repaid)
-130.05-214.38-308.65-184.85-40.94170.98224.89292.52441.96301.97-372.43151.94172.4157.19790.24154.7193.7938.67-41.38-53
Issuance of Common Stock
11.719.065.2899.368.477.093.011.751.461.020.811.051.211.181.771.952.989.8210.79
Repurchase of Common Stock
-31.35-30.53-14.34-13.97-2.66-14-47.32-51.7-56.81-55.18-31.21-27.16-22.11-25.35-17.9-22.71-22.71-9.78-6.35-1.61
Common Dividends Paid
-98.58-98.12-97.56-97-96.43-96.02-95.78-95.66-95.52-95.42-95.1-94.75-94.38-93.86-93.39-92.91-92.34-91.73-91.05-90.36
Net Increase (Decrease) in Deposit Accounts
344.83434.34401.64580.68563.88540.03513.59445.38266.1241.35-84.19-455.53-485.99-729.29-421.16240.21496.451,1131,6861,603
Other Financing Activities
-3.34-2.68-1.38-1.33-2.58-3.47-3.09-2.64-1.99-1.06-1.21-0.990.230.230.240.240.240.250.25-2.84
Financing Cash Flow
93.2297.7-15.01292.54430.64606599.38590.91555.48393.12-583.13-425.69-428.78-789.87259.22281.31477.381,0541,5571,466

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
20.9354.15104.75-100.8635.76179.646.04-109.7-21.29149.08-18.93208.4225.15-831.63-1,665-2,075-2,008-1,130229.26486.14

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
246.67241.68233.33230.3198.8196.19221.57203.05209.03213.87209.84238.48220.14225.63201.68179.47200.23177.59189.17191.3
Free Cash Flow Growth (YoY)
24.08%23.18%5.31%13.42%-4.89%-8.26%5.59%-14.86%-5.05%-5.21%4.04%32.88%9.94%27.05%6.61%-6.19%27.73%-12.23%14.86%1.02%
Free Cash Flow Margin
29.43%29.66%29.29%29.67%26.30%26.44%30.62%28.75%29.96%30.95%32.75%37.21%34.45%36.06%30.35%27.66%31.47%28.15%30.05%30.59%
Free Cash Flow Per Share
4.674.584.424.363.773.724.193.833.923.993.914.434.084.173.723.313.683.263.483.52

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
188.31191.13193.05195.83196.83195.52192.87178.97155.93130.22100.0475.7653.8435.3823.414.8212.0812.2413.7514.96
Cash Income Tax Paid
46.1441.2240.542.6250.3244.1243.7345.4139.9543.9641.6645.2750.3654.8557.1348.5344.342.1741.5344.94
SEC Filings: 10-K · 10-Q