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Community Financial System CBU Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)

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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$3.39B+2.6%

Profitability

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Net margin26.1%+1.1pp
FCF margin28.9%+3.3pp

Returns & leverage

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

Where this comes from

Reported directly by Community Financial System in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount.

The official record: Community Financial System’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Community Financial System's financing receivable, unamortized loan cost (fee) and purchase premium (discount)?
Community Financial System (CBU) reported financing receivable, unamortized loan cost (fee) and purchase premium (discount) of $89.8M in Q4 2025.
How has Community Financial System's financing receivable, unamortized loan cost (fee) and purchase premium (discount) changed year-over-year?
Community Financial System's financing receivable, unamortized loan cost (fee) and purchase premium (discount) increased by 6.8% year-over-year, from $84.1M to $89.8M.
What is the long-term trend for Community Financial System's financing receivable, unamortized loan cost (fee) and purchase premium (discount)?
Over 4 years (2021 to 2025), Community Financial System's financing receivable, unamortized loan cost (fee) and purchase premium (discount) has grown at a 26.7% compound annual growth rate (CAGR), from $34.9M to $89.8M.
What does financing receivable, unamortized loan cost (fee) and purchase premium (discount) mean?
This represents the net balance of unamortized loan costs, fees, and purchase premiums or discounts associated with the bank's financing receivables. These adjustments are amortized over the life of the loans to reflect the effective yield of the portfolio. Monitoring this helps investors understand the impact of loan origination and acquisition accounting on the bank's net interest margin.