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Community Financial System CBU Short-Term Debt - Weighted-Average Interest Rate

Short-Term Debt - Weighted-Average Interest Rate at other companies

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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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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$3.41B+18.6%
Enterprise value$3.75B+16.8%
P/E15×+0.2×
P/S4×+0.3×

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:ShortTermDebtWeightedAverageInterestRate.

The source filing: Community Financial System’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 4:48 PM EST
Fiscal year
FY2025
Accession
0001104659-26-021651

The weighted-average interest rate on short-term borrowings outstanding at December 31, 2025 and 2024 was 1.28% and 2.42%, respectively, which includes securities sold under agreement to repurchase with a weighted average rate of 1.28% and 1.40% at December 31, 2025 and 2024, respectively.

Item 8. Financial Statements and Supplementary Data

FAQ

What is Community Financial System's short-term debt - weighted-average interest rate?
Community Financial System (CBU) reported short-term debt - weighted-average interest rate of 1.3% in Q4 2025.
How has Community Financial System's short-term debt - weighted-average interest rate changed year-over-year?
Community Financial System's short-term debt - weighted-average interest rate decreased by 47.1% year-over-year, from 2.4% to 1.3%.
What is the long-term trend for Community Financial System's short-term debt - weighted-average interest rate?
Over 5 years (2020 to 2025), Community Financial System's short-term debt - weighted-average interest rate has grown at a 11.0% compound annual growth rate (CAGR), from 0.8% to 1.3%.
What does short-term debt - weighted-average interest rate mean?
This metric reflects the average interest rate paid on the company's short-term debt obligations, weighted by the principal amount of each instrument. It serves as a key indicator of the company's cost of short-term capital and its sensitivity to prevailing market interest rates.

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