Filing Flows › Community Financial System (CBU) › Q2 2026 › vs Q2 2025
Community Financial System (CBU) Q2 2026 vs Q2 2025 (year over year)
Community Financial System's revenue rose $23.9M (+12%) from $199M in Q2 2025 to $223M in Q2 2026. Operating margin 36.2% against 33.1% (+3.1 pts).
Community Financial System, Q2 2026: revenue $223M (+12% year over year), operating margin 36.2%, net earnings $61.3M, operating cash flow $51.1M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 36.2% | 33.1% | +3.1 pts |
| Net margin | 27.5% | 25.8% | +1.7 pts |
| Free cash flow margin | 18.5% | 18.3% | +0.3 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $223M | $199M | $23.9M | +12% |
| Operating profit | $80.8M | $66.0M | $14.8M | +22% |
| Costs & expenses | $142M | $133M | $9.1M | +7% |
| Pre-tax earnings | $80.8M | $66.0M | $14.8M | +22% |
| Net earnings | $61.3M | $51.3M | $10.0M | +19% |
| Income tax | $19.5M | $14.7M | $4.8M | +32% |
| Depreciation & amortization | $10.5M | $7.0M | $3.5M | +49% |
| Share-based compensation | $2.8M | $2.5M | $242K | +10% |
| Working capital & other | $23.5M | $7.2M | $16.4M | +228% |
| Operating cash flow | $51.1M | $53.7M | −$2.6M | -5% |
| Free cash flow (OCF − capex) | $41.4M | $36.4M | $5.0M | +14% |
| Capital expenditures | $9.7M | $17.3M | −$7.6M | -44% |
Questions
How much did Community Financial System's revenue grow year over year in Q2 2026?
Community Financial System's revenue rose $23.9M (+12%) from $199M in Q2 2025 to $223M in Q2 2026. Operating margin 36.2% against 33.1% (+3.1 pts).