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Community Financial System CBU Interest Income

Interest Income at other companies

M&T Bank logo
M&T BankMTB
$2.62B+27.6%
Arrow Financial logo
Arrow FinancialAROW
$53.62M+4.0%
NBT
NBT BancorpNBTB
$163.76M+3.1%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$24.41M+15.3%
SB Financial Group logo
SB Financial GroupSBFG
$1.18M+5.2%
FIB
First Interstate BancSystem, Inc.FIBK
$206.4M-14.7%

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:InterestAndFeeIncomeLoansAndLeases.

The source filing: Community Financial System’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:16 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092717
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Interest income:
Interest and fees on loans$157,530$146,534$311,908$289,438
Interest and dividends on taxable investments23,93223,58146,81945,550
Interest and dividends on nontaxable investments2,8902,7635,6125,537
Total interest income184,352172,878364,339340,525
Interest expense:
Interest on deposits39,38240,63778,75579,924
Interest on borrowings5,8267,49311,72815,641

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's interest income?
Community Financial System (CBU) reported interest income of $157.53M in Q2 2026.
How has Community Financial System's interest income changed year-over-year?
Community Financial System's interest income increased by 7.5% year-over-year, from $146.53M to $157.53M.
What is the long-term trend for Community Financial System's interest income?
Over 4 years (2021 to 2025), Community Financial System's interest income has grown at a 17.9% compound annual growth rate (CAGR), from $308.36M to $596.72M.
What does interest income mean?
Income earned from interest-bearing assets including cash deposits, money market funds, treasury securities, corporate bonds, and customer financing receivables.

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