Filing Flows › Community Financial System (CBU) › Q1 2025
Community Financial System (CBU) Q1 2025 earnings results (first quarter 2025)
10-Q filed May 9, 2025
Community Financial System (CBU) reported revenue of $196M for the first quarter 2025 (Q1 2025), +11% from a year earlier and 0% from the quarter before. Operating margin was 32.7%, net earnings $49.6M (25.3% of revenue).
Community Financial System, Q1 2025: revenue $196M (+11% year over year), operating margin 32.7%, net earnings $49.6M, operating cash flow $62.5M. The chart follows the revenue to costs, profit and cash.
| Q1 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $196M | 0% | +11% |
| Operating profit | $64.3M | -0.4% | +21% |
| Net earnings | $49.6M | -0.4% | +21% |
| Operating cash flow | $62.5M | -5% | -22% |
| Free cash flow | $52.0M | -11% | -33% |
What changed
Revenue was $196.2M in Q1 2025, up 11% year over year and roughly flat from the previous quarter.
Operating profit was $64.3M, a 32.7% margin (up 2.8 points year over year). Of the extra revenue versus a year earlier, 59% reached operating profit, above the 30% margin then. Total costs grew 6% against revenue growth of 11%. Net earnings were $49.6M, up 21% year over year. The effective tax rate was 22.8%.
Operating cash flow was $62.5M (down 22% year over year), 126% of net earnings. Non-cash charges added back $7.1M of depreciation and amortization and $3.0M of share-based compensation. Capital expenditures of $10.6M left free cash flow of $52.0M.
Questions
What was Community Financial System's revenue in the first quarter 2025?
Community Financial System (CBU) reported revenue of $196M for the first quarter 2025 (Q1 2025), +11% from a year earlier and 0% from the quarter before.
Was Community Financial System profitable in the first quarter 2025?
Operating profit was $64.3M (32.7% of revenue) and net earnings $49.6M.