Community Financial System CBU Free cash flow margin

Free cash flow margin at other companies

M&T BankMTB

32.2%-5.2pp

Arrow FinancialAROW

27.8%-4.0pp

NBT

NBT BancorpNBTB

33.1%+4.8pp

Pioneer Bancorp, Inc.PBFS

32.4%—

SB Financial GroupSBFG

33.7%—

FIB

First Interstate BancSystem, Inc.FIBK

24%-8.4pp

FAQ

What is Community Financial System's free cash flow margin?

Community Financial System (CBU) reported free cash flow margin of 28.7% in Q2 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 12.8% year-over-year, from 25.5% to 28.7%.

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.