Filing Flows › Community Financial System (CBU) › Operating margin
Community Financial System (CBU) operating margin by quarter
Community Financial System's operating margin was 35.5% in Q3 2026 (third quarter 2026), -0.7 pts from Q2 2026. Over the last 7 quarters it ranged from 32.7% (Q1 2025) to 36.2% (Q2 2026).
| Quarter | Operating margin | Q/Q | Y/Y |
|---|---|---|---|
| Q3 2026 | 35.5% | -0.7 pts | +0.2 pts |
| Q2 2026 | 36.2% | +1.2 pts | +3.1 pts |
| Q1 2026 | 35.0% | +1.6 pts | +2.2 pts |
| Q4 2025 | 33.4% | -2.0 pts | — |
| Q3 2025 | 35.3% | +2.2 pts | — |
| Q2 2025 | 33.1% | +0.4 pts | — |
| Q1 2025 | 32.7% | — | — |
Q3 2026 at a glance
Community Financial System, Q3 2026: revenue $227M (+10% year over year), operating margin 35.5%, net earnings $61.3M, operating cash flow $110M. The chart follows the revenue to costs, profit and cash.
Questions
What is Community Financial System's operating margin?
Community Financial System's operating margin was 35.5% in Q3 2026 (third quarter 2026), -0.7 pts from Q2 2026.
How has Community Financial System's operating margin changed?
Over the last 7 quarters it ranged from 32.7% (Q1 2025) to 36.2% (Q2 2026).
Q3 2026 results → · How Community Financial System makes money →