Friday 6 November 2026 Export CBU’s income statement to Excel — free account

Community Financial System, Inc.

Community Financial System, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 7.44% from fiscal 2024.

Revenue: +6.18%
EPS: +11.5%
Free cash flow: +16.0%
Total debt: −21.9%

Quarter to September 2026, against a year earlier

64.94 0.79 −1.20%

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Market cap: $3.4B
P/E: 14.7×
Fwd P/E: 13.6×
Dividend yield: 2.93%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Community Financial System, Inc. (CBU) Price to free cash flow

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As of 5 November 2026, Community Financial System, Inc. (CBU) trades at a price to free cash flow of 13.8×. Over the past ten years it has ranged from 8.2× (October 2023) to 26.5× (March 2021); the current reading is higher than 22% of that period. That is above the Banks Regional industry median of 10.6× and above the Financial sector median of 9.7×.

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<iframe src="https://stockrow.com/embed/CBU/price-to-free-cash-flow" width="100%" height="360" style="border:0" loading="lazy" title="Community Financial System, Inc. price to free cash flow, 10 years"></iframe>
<p style="font-size:12px">Source: <a href="https://stockrow.com/CBU/metrics/price-to-free-cash-flow">Community Financial System, Inc. (CBU) price to free cash flow — stockrow.com</a></p>

Period	Price to free cash flow	Change
FY2025	12.9×	(10.13%)
FY2024	14.3×	10.75%
FY2023	12.9×	(21.36%)
FY2022	16.4×	(22.59%)
FY2021	21.2×	6.18%
FY2020	20.0×	7.23%
FY2019	18.7×	30.50%
FY2018	14.3×	(2.88%)
FY2017	14.7×	(33.50%)
FY2016	22.1×	44.73%

Period	Price to free cash flow	Change
Sep 2026	12.7×	(10.90%)
Jun 2026	14.2×	11.63%
Mar 2026	12.7×	(1.10%)
Dec 2025	12.9×	(2.25%)
43 more quarters	Free account

Against its own ten years

Low 8.2× High 26.5×

Ten-year median 15.6×

Current reading's percentile 22

Company	Price to free cash flow
FFBC First Financial Bancorp. compare	4.6×
SFNC Simmons First National Corporation compare	6.7×
CBU Community Financial System, Inc.	13.8×
FIBK First Interstate BancSystem, Inc. compare	15.2×
SBCF Seacoast Banking Corporation of Florida compare	15.6×
PRK Park National Corporation compare	17.6×
NIC Nicolet Bankshares Inc. compare	18.3×
MCHB Mechanics Bancorp compare	19.4×
TOWN Towne Bank compare	25.5×
Banks Regional industry median	10.6×
Financial sector median	9.7×
Market median	14.1×

What Price to free cash flow is

Price to Free Cash Flow Ratio shows how much investors pay for each dollar of cash a company generates after its capital spending.

Stock Price ÷ ((Operating Cash Flow (TTM) + Property, Plant, Equipment Change (Net) (TTM) + Intangible Assets Change (Net) (TTM)) ÷ (Shares (Basic, Weighted) (latest quarter)))

The full definition of Price to free cash flow →

Community Financial System, Inc. (CBU) Price to free cash flow

Price to free cash flow, daily

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Against its own ten years

Price to free cash flow against peers

What Price to free cash flow is

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Price to free cash flow, daily

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Price to free cash flow against peers

What Price to free cash flow is

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