CBU (Community Financial System) Long-Term Debt: $446.3 Mil (As of Mar. 2026)


CBU Community Financial System Inc CBU
63 GF Score
Price $67.61
GF Value $64.77
Valuation Fairly Valued
! 5 Warning Signs
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What is Community Financial System Long-Term Debt?

Community Financial System CBU -1.23% 63 Long-Term Debt is $446.3 Mil as of Mar. 2026. GuruFocus rates CBU with a GF Score™ of 63/100 and a GF Value™ of $64.77 (Fairly Valued). The stock has 5 warning signs investors should review.

Community Financial System's Long-Term Debt for the quarter that ended in Mar. 2026 was $446.3 Mil.

Community Financial System's quarterly Long-Term Debt declined from Sep. 2025 ($471.3 Mil) to Dec. 2025 ($458.8 Mil) and declined from Dec. 2025 ($458.8 Mil) to Mar. 2026 ($446.3 Mil).

Community Financial System's annual Long-Term Debt increased from Dec. 2023 ($407.6 Mil) to Dec. 2024 ($619.3 Mil) but then declined from Dec. 2024 ($619.3 Mil) to Dec. 2025 ($458.8 Mil).

Community Financial System  (NYSE:CBU) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Community Financial System Long-Term Debt Related Terms

Community Financial System Long-Term Debt Historical Data

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The historical data trend for Community Financial System's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Community Financial System Long-Term Debt Chart

Community Financial System Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.17 22.72 407.60 619.31 458.77

Community Financial System Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 595.46 583.44 471.28 458.77 446.32
CBU
63GF Score
Community Financial System Inc CBU
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $446.3 Mil mean?
Community Financial System (CBU) has a Long-Term Debt of $446.3 Mil as of Mar. 2026.
Is Community Financial System's Long-Term Debt too high?
Community Financial System's current Long-Term Debt is $446.3 Mil. Overall, Community Financial System has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's Long-Term Debt compare to FFBC and MCHB?
Community Financial System's Long-Term Debt of $446.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Community Financial System's current Long-Term Debt is $446.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Financial System stock overvalued right now?
Based on GuruFocus' analysis, Community Financial System (CBU) is currently considered Fairly Valued. The stock's GF Value™ is $64.77, compared to a current price of $67.61 — trading 4.4% above its estimated fair value. The current Long-Term Debt is $446.3 Mil. Community Financial System's overall GF Score™ is 63/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Community Financial System (CBU), the current Long-Term Debt is $446.3 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Community Financial System (CBU) Overvalued in 2026?

Based on GuruFocus' analysis, Community Financial System stock appears to be overvalued. The current stock price of $67.61 is trading 4.4% above its estimated GF Value™ of $64.77. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

  • Long-Term Debt: $446.3 Mil
  • GF Value™: $64.77 vs. price of $67.61 (4.4% above fair value)
  • GF Score™: 63/100 with 5 warning signs

No single metric tells the full story. See the CBU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Community Financial System Business Description

Other Exchanges CBY:Germany
Address 333 Butternut Drive, Syracuse, NY, USA, 13214-2141
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.
63GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$67.61
Price
$64.77
GF Value