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Cash Flow
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Cash Flow Overview
Free Cash flow
$41,377K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net decrease in overnight borrow...
Net income
Proceeds from maturities, calls,...
Others
Negative Cash Flow Breakdown
Net increase in deposits
Net (increase) decrease in loans
Net (decrease) increase in secur...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
61,334
57,218
54,422
55,088
Depreciation
6,086
5,255
4,405
3,871
Amortization of intangible assets
4,408
4,246
3,737
3,258
Net amortization on securities, loans, finance leases and borrowings
-3,050
-3,882
-3,883
-3,806
Stock-based compensation
2,757
2,970
2,971
2,325
Gain on debt extinguishment
-
-
0
-
Provision for credit losses
4,607
5,636
4,979
5,564
Provision for deferred income taxes
-
-
-11,669
-
Amortization of mortgage servicing rights
207
208
202
191
Loss on sales of investment securities
-
-
0
0
Unrealized loss (gain) on equity securities
-
-401
-105
236
Gain on equity securities
4,309
-
-
-
Income from bank-owned life insurance policies
1,032
991
1,114
897
Net gain on sale of assets
874
177
-655
521
Loss from equity method investments
-463
-326
-285
-
Change in other assets and liabilities
25,245
7,416
1,624
-28,638
Net cash provided by operating activities
51,051
71,558
84,575
101,087
Proceeds from maturities, calls, and paydowns of available-for-sale investment securities
15,644
18,097
11,151
14,058
Proceeds from maturities, calls, and paydowns of held-to-maturity investment securities
9,872
11,241
11,185
6,955
Proceeds from maturities and redemptions of equity and other investment securities, net
-43
750
4,027
8,490
Proceeds from sales of available-for-sale investment securities
-
-
0
0
Proceeds from sales of equity and other investment securities
5,819
-
-
-
Purchases of held-to-maturity investment securities
20,246
10,668
15,803
10,900
Purchases of equity and other securities, net
7,071
5,616
856
458
Net (increase) decrease in loans
161,849
192,346
177,345
241,060
Cash paid for acquisitions, net of cash acquired
13,730
12,862
-474,164
4,170
Purchases of equity method investments
-
-
0
37,350
Proceeds from sales of premises, equipment and other assets
1,505
0
175
277
Purchases of premises and equipment
9,674
11,260
23,008
17,662
Net cash used in investing activities
-179,773
-202,664
283,690
-281,820
Net increase in deposits
-279,788
483,037
-213,499
355,082
Net decrease in overnight borrowings
172,800
0
-67,900
-62,500
Net (decrease) increase in securities sold under agreement to repurchase, short-term
-43,450
-30,136
6,994
43,548
Proceeds from other federal home loan bank borrowings
-
-
0
0
Payments on and maturities of other federal home loan bank borrowings
12,513
12,366
12,444
112,080
Payments of contingent consideration for acquisitions
667
1,671
450
554
Redemption of subordinated notes payable
-
-
0
-
Proceeds from the issuance of common stock for employee stock plans
3,980
6,119
663
947
Purchases of treasury stock
564
15,511
44
11,034
Cash dividends paid
24,710
24,823
24,734
24,314
Withholding taxes paid on share-based compensation
365
3,125
343
363
Net cash provided by financing activities
-185,277
401,524
-311,757
188,732
Change in cash, cash equivalents and restricted cash
-313,999
270,418
56,508
7,999
Cash, cash equivalents and restricted cash at beginning of period
572,173
301,755
245,247
197,004
Cash, cash equivalents and restricted cash at end of period
258,174
572,173
301,755
245,247
Cash paid for interest
91,509
-
-
-
Cash paid for income taxes
28,990
-
-
-
Dividends declared and unpaid
24,912
-
-
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net income
$61,334K
(-39.24%↓ Y/Y)
Depreciation
$6,086K
(-16.64%↓ Y/Y)
Provision for credit
losses
$4,607K
(-57.37%↓ Y/Y)
Amortization of intangible
assets
$4,408K
(-35.66%↓ Y/Y)
Net amortization on
securities, loans, finance...
-$3,050K
(52.30%↑ Y/Y)
Stock-based compensation
$2,757K
(-50.44%↓ Y/Y)
Loss from equity
method investments
-$463K
Net cash provided by
operating activities
$51,051K
(-56.07%↓ Y/Y)
Canceled cashflow
$31,460K
Change in cash, cash
equivalents and restricted...
-$313,999K
(-880.24%↓ Y/Y)
Canceled cashflow
$51,051K
Net decrease in
overnight borrowings
$172,800K
(1293.55%↑ Y/Y)
Proceeds from the
issuance of common stock...
$3,980K
(8.54%↑ Y/Y)
Proceeds from
maturities, calls, and...
$15,644K
(-42.90%↓ Y/Y)
Proceeds from
maturities, calls, and...
$9,872K
(-15.98%↓ Y/Y)
Proceeds from sales of
equity and other...
$5,819K
Proceeds from sales of
premises, equipment and...
$1,505K
(-1.12%↓ Y/Y)
Change in other assets
and liabilities
$25,245K
(29.85%↑ Y/Y)
Gain on equity
securities
$4,309K
Income from bank-owned
life insurance...
$1,032K
(-25.00%↓ Y/Y)
Net gain on sale of
assets
$874K
(-11.63%↓ Y/Y)
Net cash provided by
financing activities
-$185,277K
(-271.52%↓ Y/Y)
Net cash used in
investing activities
-$179,773K
(2.28%↑ Y/Y)
Canceled cashflow
$176,780K
Canceled cashflow
$32,840K
Net increase in
deposits
-$279,788K
(-207.59%↓ Y/Y)
Net (increase)
decrease in loans
$161,849K
(41.44%↑ Y/Y)
Purchases of
held-to-maturity investment...
$20,246K
(-75.64%↓ Y/Y)
Net (decrease)
increase in securities...
-$43,450K
(46.31%↑ Y/Y)
Cash dividends paid
$24,710K
(-49.06%↓ Y/Y)
Payments on and
maturities of other federal...
$12,513K
(-64.98%↓ Y/Y)
Payments of contingent
consideration for...
$667K
(76.46%↑ Y/Y)
Purchases of treasury
stock
$564K
(526.67%↑ Y/Y)
Withholding taxes paid on
share-based compensation
$365K
(-85.18%↓ Y/Y)
Cash paid for
acquisitions, net of cash...
$13,730K
(4446.36%↑ Y/Y)
Purchases of premises and
equipment
$9,674K
(-65.27%↓ Y/Y)
Purchases of equity and
other securities, net
$7,071K
(2425.36%↑ Y/Y)
Proceeds from maturities
and redemptions of...
-$43K
(-103.23%↓ Y/Y)
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COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)