Community Financial System annual debt-to-equity ratio
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2025
Community Financial System Debt-to-Equity Ratio Growth & History (CBU)
Community Financial System's debt-to-equity ratio was 0.37 for fiscal 2025.
View full Community Financial System company overviewCommunity Financial System annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.37 | −0.22 | −37.38% |
| 2024 | 2024-12-31 | 0.59 | 0.12 | +25.12% |
| 2023 | 2023-12-31 | 0.48 | −0.28 | −36.94% |
| 2022 | 2022-12-31 | 0.75 | 0.58 | +336.29% |
| 2021 | 2021-12-31 | 0.17 | −0.02 | −10.77% |
| 2020 | 2020-12-31 | 0.19 | −0.01 | −6.95% |
| 2019 | 2019-12-31 | 0.21 | −0.07 | −23.87% |
| 2018 | 2018-12-31 | 0.27 | −0.04 | −12.40% |
| 2017 | 2017-12-31 | 0.31 | 0.19 | +155.52% |
| 2016 | 2016-12-31 | 0.12 | −0.14 | −53.80% |
| 2015 | 2015-12-31 | 0.26 | −0.08 | −22.79% |
| 2014 | 2014-12-31 | 0.34 | 0.18 | +111.15% |
| 2013 | 2013-12-31 | 0.16 | −0.64 | −79.91% |
| 2012 | 2012-12-31 | 0.81 | −0.13 | −14.23% |
| 2011 | 2011-12-31 | 0.94 | −0.26 | −21.62% |
| 2010 | 2010-12-31 | 1.20 | — | — |
Community Financial System quarterly debt-to-equity ratio
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| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.29 | −0.09 | −22.81% |
| Q1 2026 | 2026-03-31 | 0.22 | — | — |
| Q4 2025 | 2025-12-31 | 0.37 | −0.22 | −37.38% |
| Q3 2025 | 2025-09-30 | 0.28 | — | — |
| Q2 2025 | 2025-06-30 | 0.38 | — | — |
| Q4 2024 | 2024-12-31 | 0.59 | 0.12 | +25.12% |
| Q4 2023 | 2023-12-31 | 0.48 | −0.28 | −36.94% |
| Q4 2022 | 2022-12-31 | 0.75 | 0.58 | +336.29% |
| Q4 2021 | 2021-12-31 | 0.17 | −0.02 | −10.77% |
| Q4 2020 | 2020-12-31 | 0.19 | −0.01 | −6.95% |
| Q4 2019 | 2019-12-31 | 0.21 | −0.07 | −23.87% |
| Q3 2019 | 2019-09-30 | 0.02 | 0.02 | — |
| Q2 2019 | 2019-06-30 | 0.02 | 0.02 | — |
| Q1 2019 | 2019-03-31 | 0.02 | 0.02 | — |
| Q4 2018 | 2018-12-31 | 0.27 | −0.04 | −12.40% |
| Q3 2018 | 2018-09-30 | 0.00 | 0.00 | — |
| Q2 2018 | 2018-06-30 | 0.00 | −0.11 | — |
| Q1 2018 | 2018-03-31 | 0.00 | 0.00 | — |
| Q4 2017 | 2017-12-31 | 0.31 | 0.19 | +155.52% |
| Q3 2017 | 2017-09-30 | 0.00 | −0.11 | — |
| Q2 2017 | 2017-06-30 | 0.11 | −0.10 | −47.40% |
| Q1 2017 | 2017-03-31 | 0.00 | −0.03 | — |
| Q4 2016 | 2016-12-31 | 0.12 | −0.14 | −53.80% |
| Q3 2016 | 2016-09-30 | 0.11 | −0.43 | −79.79% |
| Q2 2016 | 2016-06-30 | 0.22 | −0.35 | −61.78% |
| Q1 2016 | 2016-03-31 | 0.03 | −0.17 | −85.47% |
| Q4 2015 | 2015-12-31 | 0.26 | −0.08 | −22.79% |
| Q3 2015 | 2015-09-30 | 0.53 | 0.18 | +49.98% |
| Q2 2015 | 2015-06-30 | 0.57 | 0.23 | +69.23% |
| Q1 2015 | 2015-03-31 | 0.19 | −0.04 | −18.33% |
| Q4 2014 | 2014-12-31 | 0.34 | 0.18 | +111.15% |
| Q3 2014 | 2014-09-30 | 0.36 | −0.30 | −45.65% |
| Q2 2014 | 2014-06-30 | 0.33 | −0.04 | −11.80% |
| Q1 2014 | 2014-03-31 | 0.24 | −0.18 | −42.60% |
| Q4 2013 | 2013-12-31 | 0.16 | −0.64 | −79.91% |
| Q3 2013 | 2013-09-30 | 0.66 | −0.15 | −18.61% |
| Q2 2013 | 2013-06-30 | 0.38 | −0.93 | −71.02% |
| Q1 2013 | 2013-03-31 | 0.41 | −0.67 | −61.96% |
| Q4 2012 | 2012-12-31 | 0.81 | −0.13 | −14.23% |
| Q3 2012 | 2012-09-30 | 0.80 | −0.16 | −16.49% |
| Q2 2012 | 2012-06-30 | 1.31 | 0.31 | +31.12% |
| Q1 2012 | 2012-03-31 | 1.08 | — | — |
| Q4 2011 | 2011-12-31 | 0.94 | −0.26 | −21.62% |
| Q3 2011 | 2011-09-30 | 0.96 | — | — |
| Q2 2011 | 2011-06-30 | 1.00 | — | — |
| Q4 2010 | 2010-12-31 | 1.20 | — | — |
Community Financial System debt-to-equity ratio trends
Over the last five fiscal years, Community Financial System's debt-to-equity ratio increased from 0.19 to 0.37, a change of 0.18. The latest reported quarter, Q2 2026, shows 0.29.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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