Filing Flows › Community Financial System (CBU) › Q2 2025
Community Financial System (CBU) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
Community Financial System (CBU) reported revenue of $199M for the second quarter 2025 (Q2 2025), +8% from a year earlier and +2% from the quarter before. Operating margin was 33.1%, net earnings $51.3M (25.8% of revenue).
Community Financial System, Q2 2025: revenue $199M (+8% year over year), operating margin 33.1%, net earnings $51.3M, operating cash flow $53.7M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $199M | +2% | +8% |
| Operating profit | $66.0M | +3% | +6% |
| Net earnings | $51.3M | +3% | +7% |
| Operating cash flow | $53.7M | -14% | +35% |
| Free cash flow | $36.4M | -30% | +8% |
What changed
Revenue was $199.3M in Q2 2025, up 8% year over year and up 2% from the previous quarter.
Operating profit was $66.0M, a 33.1% margin (down 0.6 points year over year). Of the extra revenue versus a year earlier, 26% reached operating profit, below the 34% margin then. Total costs grew 9% against revenue growth of 8%. Net earnings were $51.3M, up 7% year over year. The effective tax rate was 22.3%.
Operating cash flow was $53.7M (up 35% year over year), 105% of net earnings. Non-cash charges added back $7.0M of depreciation and amortization and $2.5M of share-based compensation. Working capital and other items used $7.2M. Capital expenditures of $17.3M left free cash flow of $36.4M.
Questions
What was Community Financial System's revenue in the second quarter 2025?
Community Financial System (CBU) reported revenue of $199M for the second quarter 2025 (Q2 2025), +8% from a year earlier and +2% from the quarter before.
Was Community Financial System profitable in the second quarter 2025?
Operating profit was $66.0M (33.1% of revenue) and net earnings $51.3M.