Community Financial System (CBU) FCF Margin (2010 - 2026)
Community Financial System (CBU) recorded FCF Margin of 313.58% in Q2 2026, up 41.81 percentage points from 271.77% a year earlier but down 165.51 percentage points from the prior quarter.
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Analysis
Community Financial System (CBU) FCF Margin (2010 - 2026) Analysis & Trends
On a TTM basis, Community Financial System's FCF Margin came in at 468.93% as of Jun 30, 2026, up 96.80 percentage points year-over-year; for FY2025, it came in at 428.84%, down 12.11 percentage points from FY2024.
- Annual FCF Margin has declined for four straight years, with a five-year change of -79.93 percentage points (FY2020 to FY2025).
- Across earlier years, FCF Margin came in at 440.95% in FY2024 (-4.62 pp), 445.57% in FY2023 (-61.04 pp), 506.60% in FY2022 (-49.91 pp) and 556.51% in FY2021 (+47.74 pp).
- Quarterly FCF Margin has ranged from 253.83% in Q2 2024 to 828.28% in Q4 2022 over the past five years.
- On a year-over-year basis, FCF Margin has increased for five consecutive quarters, with an average year-over-year change of +11.90 percentage points over the last eight quarters.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 355.17 percentage points in Q3 2021, against a drop of 483.33 percentage points in Q4 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 479.09% (Q1 2026), 485.39% (Q4 2025) and 590.12% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 895.36 Bn | 924.83 Bn | - | -44.09% |
| 2 | Banco Santander Chile | 425.01 Bn | 544.95 Bn | - | - |
| 3 | Bank Of America | 389.22 Bn | -1,986.85 Bn | - | 92.03% |
| 4 | Hsbc Holdings | 347.56 Bn | 347.61 Bn | - | - |
| 5 | Morgan Stanley | 304.44 Bn | -204.66 Bn | - | -16.70% |
| 6 | Royal Bank Of Canada | 281.54 Bn | 132.29 Bn | - | 189.34% |
| 7 | Mitsubishi Ufj Financial | 277.23 Bn | -1,311.26 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 267.12 Bn | -3,289.99 Bn | - | 27.55% |
| 9 | Wells Fargo & Company | 244.76 Bn | 246.90 Bn | - | 29.95% |
| 10 | Community Financial System | 3.18 Bn | 3.17 Bn | - | 313.58% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 313.58% |
| Mar 31, 2026 | 479.09% |
| Dec 31, 2025 | 485.39% |
| Sep 30, 2025 | 590.12% |
| Jun 30, 2025 | 271.77% |
| Mar 31, 2025 | 365.85% |
| Dec 31, 2024 | 480.55% |
| Sep 30, 2024 | 380.35% |
| Jun 30, 2024 | 253.83% |
| Mar 31, 2024 | 696.14% |
| Dec 31, 2023 | 344.94% |
| Sep 30, 2023 | 478.08% |
| Jun 30, 2023 | 325.56% |
| Mar 31, 2023 | 636.21% |
| Dec 31, 2022 | 828.28% |
| Sep 30, 2022 | 349.18% |
| Jun 30, 2022 | 450.89% |
| Mar 31, 2022 | 474.17% |
| Dec 31, 2021 | 549.37% |
| Sep 30, 2021 | 657.55% |
API Access
Community Financial System FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=CBU&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "CBU", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=CBU&period=max&api_key=YOUR_API_KEY");
const data = await res.json();