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Community Financial System CBU Provision for Credit Losses

Provision for Credit Losses at other companies

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$2.83M+376%
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$6M+35.3%
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$299K-49.9%
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-$3.2M-967%
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International BancsharesIBOC
$11.11M+153%

Segments

By segment

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Banking And Corporate Services$4.61M+11.9%
Employee Benefit Services$0
Insurance Services$0
Wealth Management Services$0

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:ProvisionForLoanLeaseAndOtherLosses.

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 on borrowings5,8267,49311,72815,641
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

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's provision for credit losses?
Community Financial System (CBU) reported provision for credit losses of $4.61M in Q2 2026.
How has Community Financial System's provision for credit losses changed year-over-year?
Community Financial System's provision for credit losses increased by 11.9% year-over-year, from $4.12M to $4.61M.
What is the long-term trend for Community Financial System's provision for credit losses?
Over 3 years (2022 to 2025), Community Financial System's provision for credit losses has grown at a 13.1% compound annual growth rate (CAGR), from $14.77M to $21.35M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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