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Community Financial System CBU Time deposits

Time deposits at other companies

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M&T BankMTB
$13.08B-6.4%
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Arrow FinancialAROW
$132.35M-26.2%
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NBT BancorpNBTB
$1.33B-19.5%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$27.4M+43.5%
SB Financial Group logo
SB Financial GroupSBFG
$284.94M+5.1%
International Bancshares logo
International BancsharesIBOC
$3.26B+8.0%

Other financials

Income statement

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Revenue$223.2M+12.0%
Net income$61.3M+19.5%
EPS (diluted)$1.16+19.6%

Balance sheet

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Cash & equivalents$258.2M+8.8%
Total debt$598.0M+4.1%
Total equity$2.1B+10.1%
Total assets$17.8B+6.6%

Cash flow

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Operating cash flow$51.1M-4.9%
CapEx$9.7M-44.1%
Free cash flow$41.4M+13.7%

Valuation

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Market cap$3.44B+22.3%
Enterprise value$3.78B+20.0%
P/E15.1×+0.6×
P/S4×+0.4×

Profitability

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Net margin26.6%+1.6pp
FCF margin28.7%+3.3pp

Returns & leverage

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Return on equity11.5%+0.6pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Community Financial System in its filing.

Tagged under the XBRL concept us-gaap:TimeDeposits.

The source filing: Community Financial System’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 4:48 PM EST
Fiscal year
FY2025
Accession
0001104659-26-021651
(000’s omitted)20252024
Noninterest checking$$3,683,4423,557,219
Interest checking3,033,2222,943,288
Savings2,488,9252,254,034
Money market2,975,1902,509,715
Time2,206,3062,177,451
Total deposits$$14,387,08513,441,707

Item 8. Financial Statements and Supplementary Data

FAQ

What is Community Financial System's time deposits?
Community Financial System (CBU) reported time deposits of $2.21B in Q4 2025.
How has Community Financial System's time deposits changed year-over-year?
Community Financial System's time deposits increased by 1.3% year-over-year, from $2.18B to $2.21B.
What is the long-term trend for Community Financial System's time deposits?
Over 5 years (2020 to 2025), Community Financial System's time deposits has grown at a 18.8% compound annual growth rate (CAGR), from $933.77M to $2.21B.
What does time deposits mean?
This metric captures the total value of certificates of deposit and other time-bound deposit accounts with fixed maturity dates. These deposits provide the bank with a stable, predictable source of funding for longer-term asset growth. It is a critical indicator of the bank's interest rate risk management and its reliance on fixed-term liabilities.

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