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Community Financial System CBU Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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$1.67B+5.3%
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$33.1M+3.6%
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$130.83M+23.0%
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$12.66M+9.7%
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$194M+4.9%

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/S+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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
Total interest expense45,20848,13090,48395,565
Net interest income139,144124,748273,856244,960
Provision for credit losses4,6074,11710,24310,807
Net interest income after provision for credit losses134,537120,631263,613234,153
Noninterest revenues:
Deposit service fees15,49314,51931,41028,826
Mortgage banking1,1919722,2911,970
Other banking services4,6054,5679,3998,368

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's net interest income (after provisions)?
Community Financial System (CBU) reported net interest income (after provisions) of $134.54M in Q2 2026.
How has Community Financial System's net interest income (after provisions) changed year-over-year?
Community Financial System's net interest income (after provisions) increased by 11.5% year-over-year, from $120.63M to $134.54M.
What is the long-term trend for Community Financial System's net interest income (after provisions)?
Over 4 years (2021 to 2025), Community Financial System's net interest income (after provisions) has grown at a 6.1% compound annual growth rate (CAGR), from $383.25M to $485.2M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for loan and lease losses, which represents the estimated credit risk inherent in the loan portfolio. This metric provides a more accurate view of the net revenue available after accounting for expected credit deterioration.

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