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Community Financial System CBU Operating Cash Flow

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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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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:NetCashProvidedByUsedInOperatingActivities.

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 itemSix Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Net gain on sale of assets(1,051)(989)
Loss from equity method investments7890
Change in other assets and liabilities(32,661)(19,441)
Net cash provided by operating activities122,609116,197
Investing activities:
Proceeds from maturities, calls, and paydowns of available-for-sale investment securities33,74127,399
Proceeds from maturities, calls, and paydowns of held-to-maturity investment securities21,11311,750
Proceeds from maturities and redemptions of equity and other investment securities, net7071,332

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's operating cash flow?
Community Financial System (CBU) reported operating cash flow of $51.05M in Q2 2026.
How has Community Financial System's operating cash flow changed year-over-year?
Community Financial System's operating cash flow decreased by 4.9% year-over-year, from $53.69M to $51.05M.
What is the long-term trend for Community Financial System's operating cash flow?
Over 4 years (2021 to 2025), Community Financial System's operating cash flow has grown at a 10.5% compound annual growth rate (CAGR), from $202.55M to $301.86M.
What does operating cash flow mean?
Total cash generated by or used in core business operations — the single most important cash flow metric for assessing business health.

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