Filing Flows › Community Financial System (CBU) › Q3 2025
Community Financial System (CBU) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
Community Financial System (CBU) reported revenue of $207M for the third quarter 2025 (Q3 2025), +10% from a year earlier and +4% from the quarter before. Operating margin was 35.3%, net earnings $55.1M (26.6% of revenue).
Community Financial System, Q3 2025: revenue $207M (+10% year over year), operating margin 35.3%, net earnings $55.1M, operating cash flow $101M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $207M | +4% | +10% |
| Operating profit | $73.2M | +11% | +28% |
| Net earnings | $55.1M | +7% | +25% |
| Operating cash flow | $101M | +88% | +78% |
| Free cash flow | $83.4M | +129% | +61% |
What changed
Revenue was $207.1M in Q3 2025, up 10% year over year and up 4% from the previous quarter.
Operating profit was $73.2M, a 35.3% margin (up 5.2 points year over year). Of the extra revenue versus a year earlier, 89% reached operating profit, above the 30% margin then. Total costs grew 1% against revenue growth of 10%. Net earnings were $55.1M, up 25% year over year. The effective tax rate was 24.7%.
Operating cash flow was $101.1M (up 78% year over year), 184% of net earnings. Non-cash charges added back $7.1M of depreciation and amortization and $2.3M of share-based compensation. Working capital and other items added $36.5M. Capital expenditures of $17.7M left free cash flow of $83.4M.
Questions
What was Community Financial System's revenue in the third quarter 2025?
Community Financial System (CBU) reported revenue of $207M for the third quarter 2025 (Q3 2025), +10% from a year earlier and +4% from the quarter before.
Was Community Financial System profitable in the third quarter 2025?
Operating profit was $73.2M (35.3% of revenue) and net earnings $55.1M.