The latest financial statement is for the year ending 2025-12-31.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 210,455 |
| Depreciation | 15,577 |
| Amortization of intangible assets | 13,846 |
| Net amortization on securities, loans, finance leases and borrowings | -14,083 |
| Stock-based compensation | 10,859 |
| Gain on debt extinguishment | 0 |
| Provision for credit losses | 21,350 |
| Provision for deferred income taxes | -11,669 |
| Amortization of mortgage servicing rights | 779 |
| Loss on sales of investment securities | 0 |
| Unrealized gain on equity securities | 375 |
| Income from bank-owned life insurance policies | 3,387 |
| Net gain on sale of assets | 855 |
| Loss from equity method investments | -285 |
| Change in other assets and liabilities | -7,573 |
| Net cash provided by operating activities | 301,859 |
| Proceeds from maturities, calls, and paydowns of available-for-sale investment securities | 52,608 |
| Proceeds from maturities, calls, and paydowns of held-to-maturity investment securities | 29,890 |
| Proceeds from maturities and redemptions of equity and other investment securities, net | 13,849 |
| Proceeds from sales of available-for-sale investment securities | 0 |
| Purchases of held-to-maturity investment securities | 109,813 |
| Purchases of equity and other securities, net | 1,594 |
| Net increase in loans | 532,831 |
| Cash received (paid) for acquisitions, net of cash acquired | -469,692 |
| Purchases of equity method investments | 37,350 |
| Proceeds from sales of premises, equipment and other assets | 1,974 |
| Purchases of premises and equipment | 68,528 |
| Net cash used in investing activities | -182,103 |
| Net increase (decrease) in deposits | 401,644 |
| Net (decrease) increase in overnight borrowings | -118,000 |
| Net decrease in securities sold under agreement to repurchase, short-term | -30,390 |
| Proceeds from other federal home loan bank borrowings | 0 |
| Payments on and maturities of other federal home loan bank borrowings | 160,257 |
| Payments of contingent consideration for acquisitions | 1,382 |
| Redemption of subordinated notes payable | 0 |
| Proceeds from the issuance of common stock for employee stock plans | 5,277 |
| Purchases of treasury stock | 11,168 |
| Cash dividends paid | 97,560 |
| Withholding taxes paid on share-based compensation | 3,169 |
| Net cash (used in) provided by financing activities | -15,005 |
| Change in cash, cash equivalents and restricted cash | 104,751 |
| Cash, cash equivalents and restricted cash at beginning of period | 197,004 |
| Cash, cash equivalents and restricted cash at end of period | 301,755 |
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)