How has Community Financial System's interest expense, deposits changed year-over-year?

Community Financial System's interest expense, deposits decreased by 3.1% year-over-year, from $40.64M to $39.38M.

What is the long-term trend for Community Financial System's interest expense, deposits?

Over 4 years (2021 to 2025), Community Financial System's interest expense, deposits has grown at a 93.2% compound annual growth rate (CAGR), from $11.63M to $162.2M.

Community Financial System (CBU) Interest Expense, Deposits

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Other financials

Income statement

See full

Revenue$223.2M+12.0%

Net income$61.3M+19.5%

EPS (diluted)$1.16+19.6%

Balance sheet

See full

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

See full

Operating cash flow$51.1M-4.9%

CapEx$9.7M-44.1%

Free cash flow$41.4M+13.7%

Valuation

See full

Market cap$3.37B+17.2%

Enterprise value$3.71B+15.5%

P/E14.8×0.0×

P/S3.9×+0.2×

Profitability

See full

Net margin26.6%+1.6pp

FCF margin28.7%+3.3pp

Returns & leverage

See full

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:InterestExpenseDeposits.

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 item	Three Months Ended / June 30, 2026	Three Months Ended / June 30, 2025	Six Months Ended / June 30, 2026	Six Months Ended / June 30, 2025
Interest and dividends on nontaxable investments	2,890	2,763	5,612	5,537
Total interest income	184,352	172,878	364,339	340,525
Interest expense:
Interest on deposits	39,382	40,637	78,755	79,924
Interest on borrowings	5,826	7,493	11,728	15,641
Total interest expense	45,208	48,130	90,483	95,565
Net interest income	139,144	124,748	273,856	244,960
Provision for credit losses	4,607	4,117	10,243	10,807

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's interest expense, deposits?: Community Financial System (CBU) reported interest expense, deposits of $39.38M in Q2 2026.
How has Community Financial System's interest expense, deposits changed year-over-year?: Community Financial System's interest expense, deposits decreased by 3.1% year-over-year, from $40.64M to $39.38M.
What is the long-term trend for Community Financial System's interest expense, deposits?: Over 4 years (2021 to 2025), Community Financial System's interest expense, deposits has grown at a 93.2% compound annual growth rate (CAGR), from $11.63M to $162.2M.
What does interest expense, deposits mean?: Interest Expense, Deposits

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Community Financial System CBU Interest Expense, Deposits

Interest Expense, Deposits at other companies

Other financials

Income statement

Balance sheet

Cash flow

Valuation

Profitability

Returns & leverage

Where this comes from

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