The latest financial statement is for the quarter ending 2026-03-31.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 57,218 | 54,422 | 55,088 | 100,945 |
| Depreciation | 5,255 | 4,405 | 3,871 | 7,301 |
| Amortization of intangible assets | 4,246 | 3,737 | 3,258 | 6,851 |
| Net amortization on securities, loans, finance leases and borrowings | -3,882 | -3,883 | -3,806 | -6,394 |
| Stock-based compensation | 2,970 | 2,971 | 2,325 | 5,563 |
| Gain on debt extinguishment | - | 0 | - | - |
| Provision for credit losses | 5,636 | 4,979 | 5,564 | 10,807 |
| Provision for deferred income taxes | - | -11,669 | - | - |
| Amortization of mortgage servicing rights | 208 | 202 | 191 | 386 |
| Loss on sales of investment securities | - | 0 | 0 | 0 |
| Unrealized loss (gain) on equity securities | -401 | -105 | 236 | 244 |
| Income from bank-owned life insurance policies | 991 | 1,114 | 897 | 1,376 |
| Net gain on sale of assets | 177 | -655 | 521 | 989 |
| Loss from equity method investments | -326 | -285 | - | - |
| Change in other assets and liabilities | 7,416 | 1,624 | -28,638 | 19,441 |
| Net cash provided by operating activities | 71,558 | 84,575 | 101,087 | 116,197 |
| Proceeds from maturities, calls, and paydowns of available-for-sale investment securities | 18,097 | 11,151 | 14,058 | 27,399 |
| Proceeds from sales of available-for-sale investment securities | - | 0 | 0 | 0 |
| Proceeds from maturities, calls, and paydowns of held-to-maturity investment securities | 11,241 | 11,185 | 6,955 | 11,750 |
| Proceeds from maturities and redemptions of equity and other investment securities, net | 750 | 4,027 | 8,490 | 1,332 |
| Purchases of held-to-maturity investment securities | 10,668 | 15,803 | 10,900 | 83,110 |
| Purchases of equity and other securities, net | 5,616 | 856 | 458 | 280 |
| Net (increase) decrease in loans | 192,346 | 177,345 | 241,060 | 114,426 |
| Cash paid for acquisitions, net of cash acquired | 12,862 | -474,164 | 4,170 | 302 |
| Purchases of equity method investments | - | 0 | 37,350 | - |
| Proceeds from sales of premises, equipment and other assets | 0 | 175 | 277 | 1,522 |
| Purchases of premises and equipment | 11,260 | 23,008 | 17,662 | 27,858 |
| Proceeds from other federal home loan bank borrowings | - | 0 | 0 | 0 |
| Net cash used in investing activities | -202,664 | 283,690 | -281,820 | -183,973 |
| Net increase in deposits | 483,037 | -213,499 | 355,082 | 260,061 |
| Net decrease in overnight borrowings | 0 | -67,900 | -62,500 | 12,400 |
| Net (decrease) increase in securities sold under agreement to repurchase, short-term | -30,136 | 6,994 | 43,548 | -80,932 |
| Payments on and maturities of other federal home loan bank borrowings | 12,366 | 12,444 | 112,080 | 35,733 |
| Payments of contingent consideration for acquisitions | 1,671 | 450 | 554 | 378 |
| Redemption of subordinated notes payable | - | 0 | - | - |
| Proceeds from the issuance of common stock for employee stock plans | 6,119 | 663 | 947 | 3,667 |
| Purchases of treasury stock | 15,511 | 44 | 11,034 | 90 |
| Cash dividends paid | 24,823 | 24,734 | 24,314 | 48,512 |
| Withholding taxes paid on share-based compensation | 3,125 | 343 | 363 | 2,463 |
| Net cash provided by financing activities | 401,524 | -311,757 | 188,732 | 108,020 |
| Change in cash, cash equivalents and restricted cash | 270,418 | 56,508 | 7,999 | 40,244 |
| Cash, cash equivalents and restricted cash at beginning of period | 301,755 | 245,247 | 197,004 | - |
| Cash, cash equivalents and restricted cash at end of period | 572,173 | 301,755 | 245,247 | - |
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
COMMUNITY FINANCIAL SYSTEM, INC. (CBU)