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Community Financial System CBU Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
Independent Bank Corp logo
Independent Bank CorpINDB
36.4%+11.5pp
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
33.5%-20.7pp
F.N.B. Corporation logo
F.N.B. CorporationFNB
25.8%+2.3pp
FIB
First Interstate BancSystem, Inc.FIBK
24%-8.4pp
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International BancsharesIBOC
53.5%-2.7pp

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

Returns & leverage

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

Where this comes from

Calculated from Community Financial System’s reported figures.

free cash flow/total revenue=28.9%

Based on trailing twelve months.

The official record: Community Financial System’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Community Financial System's free cash flow margin?
Community Financial System (CBU) reported free cash flow margin of 28.9% in Q1 2026.
How has Community Financial System's free cash flow margin changed year-over-year?
Community Financial System's free cash flow margin increased by 12.9% year-over-year, from 25.6% to 28.9%.
What is the long-term trend for Community Financial System's free cash flow margin?
Over 5 years (2020 to 2025), Community Financial System's free cash flow margin has grown at a 0.7% compound annual growth rate (CAGR), from 27.6% to 28.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.