What does weighted-average discount rate mean?

This represents the average interest rate used to calculate the present value of the company's lease liabilities. It reflects the company's incremental borrowing rate or the rate implicit in the leases. This metric is essential for understanding the cost of capital embedded in the company's off-balance-sheet financing arrangements.

Community Financial System CBU Weighted-Average Discount Rate

Weighted-Average Discount Rate at other companies

GBC

Glacier BancorpGBCI

3.9%+0.3pp

Other financials

Income statement

See full

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$3.28B+2.6%

Enterprise value$3.14B-4.1%

P/E15×-1.7×

P/S3.9×-0.3×

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:FinanceLeaseWeightedAverageDiscountRatePercent.

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 weighted-average discount rate?: Community Financial System (CBU) reported weighted-average discount rate of 5% in Q4 2025.
What does weighted-average discount rate mean?: This represents the average interest rate used to calculate the present value of the company's lease liabilities. It reflects the company's incremental borrowing rate or the rate implicit in the leases. This metric is essential for understanding the cost of capital embedded in the company's off-balance-sheet financing arrangements.