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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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M&T BankMTB
3.8%-0.6pp

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:ShortTermDebtWeightedAverageInterestRate.

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 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.