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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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Independent Bank CorpINDB
$3.26B+20.1%
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Eastern Bankshares, Inc.EBC
$4.14B+29.9%
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International BancsharesIBOC
$3.24B+10.0%
HOM
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$1.77B-5.5%
GBC
Glacier BancorpGBCI
$3.93B+25.1%

Other financials

Income statement

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Revenue$213.3M+8.7%
Net income$57.2M+15.3%
EPS (diluted)$1.08+16.1%

Balance sheet

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Cash & equivalents$572.2M+10.5%
Total debt$437.7M-25.3%
Total equity$2.0B+10.4%
Total assets$17.7B+5.8%

Cash flow

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Operating cash flow$71.6M+14.5%
CapEx$11.3M+6.7%
Free cash flow$60.3M+16.1%

Valuation

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Market cap$3.28B+2.6%
Enterprise value$3.14B-4.1%
P/E15×-1.7×
P/S3.9×-0.3×

Profitability

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Net margin26.1%+1.1pp
FCF margin28.9%+3.3pp

Returns & leverage

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Return on equity11.3%+0.3pp
Debt / equity0.2×-0.1×

Where this comes from

Reported directly by Community Financial System in its filing.

Tagged under the XBRL concept us-gaap:TimeDeposits.

The official record: Community Financial System’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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.