Community Financial System annual net debt
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2025
Community Financial System Net Debt Growth & History (CBU)
Community Financial System's net debt was $444.9M for fiscal 2025.
View full Community Financial System company overviewCommunity Financial System annual net debt history
| Fiscal year | Period ended | Net debt | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | $444.9M | −$405.9M | −47.71% |
| 2024 | 2024-12-31 | $850.8M | $235.2M | +38.20% |
| 2023 | 2023-12-31 | $615.6M | −$343.3M | −35.80% |
| 2022 | 2022-12-31 | $959.0M | $2.47B | — |
| 2021 | 2021-12-31 | −$1.51B | −$273.7M | — |
| 2020 | 2020-12-31 | −$1.24B | −$1.42B | — |
| 2019 | 2019-12-31 | $180.8M | −$75.5M | −29.46% |
| 2018 | 2018-12-31 | $256.2M | −$32.6M | −11.29% |
| 2017 | 2017-12-31 | $288.9M | $316.5M | — |
| 2016 | 2016-12-31 | −$27.7M | −$175.7M | — |
| 2015 | 2015-12-31 | $148.1M | −$51.5M | −25.81% |
| 2014 | 2014-12-31 | $199.6M | $207.3M | — |
| 2013 | 2013-12-31 | −$7.7M | −$507.2M | — |
| 2012 | 2012-12-31 | $499.5M | $96.1M | +23.82% |
| 2011 | 2011-12-31 | $403.4M | −$113.2M | −21.92% |
| 2010 | 2010-12-31 | $516.6M | — | — |
Community Financial System quarterly net debt
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Q2.26
| Fiscal quarter | Period ended | Net debt | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $348.3M | −$128.2M | −26.91% |
| Q1 2026 | 2026-03-31 | −$125.9M | — | — |
| Q4 2025 | 2025-12-31 | $444.9M | −$405.9M | −47.71% |
| Q3 2025 | 2025-09-30 | $293.9M | — | — |
| Q2 2025 | 2025-06-30 | $476.6M | — | — |
| Q4 2024 | 2024-12-31 | $850.8M | $235.2M | +38.20% |
| Q4 2023 | 2023-12-31 | $615.6M | −$343.3M | −35.80% |
| Q4 2022 | 2022-12-31 | $959.0M | $2.47B | — |
| Q4 2021 | 2021-12-31 | −$1.51B | −$273.7M | — |
| Q4 2020 | 2020-12-31 | −$1.24B | −$1.42B | — |
| Q4 2019 | 2019-12-31 | $180.8M | −$75.5M | −29.46% |
| Q3 2019 | 2019-09-30 | −$971.3M | −$714.4M | — |
| Q2 2019 | 2019-06-30 | −$836.5M | −$586.3M | — |
| Q1 2019 | 2019-03-31 | −$472.7M | $71.2M | — |
| Q4 2018 | 2018-12-31 | $256.2M | −$32.6M | −11.29% |
| Q3 2018 | 2018-09-30 | −$256.8M | −$15.4M | — |
| Q2 2018 | 2018-06-30 | −$250.2M | −$209.5M | — |
| Q1 2018 | 2018-03-31 | −$543.9M | −$252.7M | — |
| Q4 2017 | 2017-12-31 | $288.9M | $316.5M | — |
| Q3 2017 | 2017-09-30 | −$241.5M | −$213.8M | — |
| Q2 2017 | 2017-06-30 | −$40.7M | −$146.7M | — |
| Q1 2017 | 2017-03-31 | −$291.2M | −$186.4M | — |
| Q4 2016 | 2016-12-31 | −$27.7M | −$175.7M | — |
| Q3 2016 | 2016-09-30 | −$27.6M | −$428.9M | — |
| Q2 2016 | 2016-06-30 | $106.0M | −$317.2M | −74.96% |
| Q1 2016 | 2016-03-31 | −$104.8M | −$150.0M | — |
| Q4 2015 | 2015-12-31 | $148.1M | −$51.5M | −25.81% |
| Q3 2015 | 2015-09-30 | $401.3M | $215.0M | +115.38% |
| Q2 2015 | 2015-06-30 | $423.2M | $265.6M | +168.66% |
| Q1 2015 | 2015-03-31 | $45.2M | −$18.5M | −29.09% |
| Q4 2014 | 2014-12-31 | $199.6M | $207.3M | — |
| Q3 2014 | 2014-09-30 | $186.3M | −$206.6M | −52.58% |
| Q2 2014 | 2014-06-30 | $157.5M | −$16.2M | −9.35% |
| Q1 2014 | 2014-03-31 | $63.7M | $32.6M | +104.64% |
| Q4 2013 | 2013-12-31 | −$7.7M | −$507.2M | — |
| Q3 2013 | 2013-09-30 | $392.9M | −$47.5M | −10.78% |
| Q2 2013 | 2013-06-30 | $173.7M | −$853.2M | −83.08% |
| Q1 2013 | 2013-03-31 | $31.1M | −$747.2M | −96.00% |
| Q4 2012 | 2012-12-31 | $499.5M | $96.1M | +23.82% |
| Q3 2012 | 2012-09-30 | $440.4M | $137.9M | +45.59% |
| Q2 2012 | 2012-06-30 | $1.03B | $572.2M | +125.83% |
| Q1 2012 | 2012-03-31 | $778.4M | — | — |
| Q4 2011 | 2011-12-31 | $403.4M | −$113.2M | −21.92% |
| Q3 2011 | 2011-09-30 | $302.5M | — | — |
| Q2 2011 | 2011-06-30 | $454.7M | — | — |
| Q4 2010 | 2010-12-31 | $516.6M | — | — |
Community Financial System net debt trends
Over the last five fiscal years, Community Financial System's net debt increased from −$1.24B to $444.9M, a change of $1.68B. The latest reported quarter, Q2 2026, shows $348.3M.
About the metric
What net debt means
Net debt compares a company’s interest-bearing debt with its cash and cash equivalents. Positive net debt means debt exceeds cash, while a negative value indicates the company has more cash than debt on this measure.
Calculation and source
How net debt is calculated
TickerStat calculates net debt as total interest-bearing debt minus cash and cash equivalents at the same reporting-period end. Short-term investments are not subtracted because they are not included in the standardized cash series. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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