Filing Flows › Financials › Community Financial System (CBU)
Community Financial System (CBU) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Community Financial System (CBU) Q3 2026 earnings results →
Q3 2026 Revenue up 10% year over year to $227M · 27¢ of every $1 of revenue kept as net profit · operating margin 35.5%
Community Financial System made $227M in Q3 2026 (+10% Y/Y). Operating margin 35.5%, net earnings $61.3M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $227.3M in Q3 2026, up 10% year over year and up 2% from the previous quarter.
Operating profit was $80.7M, a 35.5% margin (up 0.2 points year over year). Of the extra revenue versus Q3 2025, 37% reached operating profit, above the 35% margin then. Total costs grew 9% against revenue growth of 10%. Net earnings were $61.3M, up 11% year over year. The effective tax rate was 24.0%.
Operating cash flow was $110.3M (up 9% year over year), 180% of net earnings. Non-cash charges added back $10.4M of depreciation and amortization and $2.8M of share-based compensation. Working capital and other items added $35.8M. Capital expenditures of $3.9M left free cash flow of $106.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $227M | +10% | 35.5% | $61.3M | $110M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $223M | +12% | 36.2% | $61.3M | $51.1M |
| Q1 2026 | 10-Q | May 8, 2026 | $213M | +9% | 35.0% | $57.2M | $71.6M |
| Q4 2025 | 10-K | Feb 27, 2026 | $215M | +10% | 33.4% | $54.4M | $84.6M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $207M | +10% | 35.3% | $55.1M | $101M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $199M | +8% | 33.1% | $51.3M | $53.7M |
| Q1 2025 | 10-Q | May 9, 2025 | $196M | +11% | 32.7% | $49.6M | $62.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Community Financial System
Community Financial System, Inc. (the “Company”) was incorporated on April 15, 1983, under the Delaware General Corporation Law. Its principal office is located at 333 Butternut Drive, Syracuse, New York 13214. The Company’s business philosophy is to operate as a diversified financial services enterprise providing a broad array of banking and other financial services to retail, commercial, institutional and governmental customers. The Company is a registered financial holding company which wholly-owns two significant subsidiaries: Community Bank, N.A. (the “Bank” or “CBNA”), and Benefit Plans Administrative Services, Inc. (“BPAS”).
In its own words, from its 10-K, filed Feb 27, 2026.
Community Financial System against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +10% against the peers' median +8%. Operating margin: 35.5% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CBU Community Financial System | Q3 2026 | $227M | +10% | 35.5% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Community Financial System 10-Q on SEC EDGAR · CIK 723188 · National Commercial Banks
Guidance and outlook
13F: who owns CBU and who is buying
More on CBU
- How Community Financial System makes money: revenue by segment
- Community Financial System stock forecast, price target and fair value
- Who owns Community Financial System stock: holders, funds and Congress trades
- Community Financial System guidance and outlook
- Community Financial System recalls, complaints and regulation
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results