Filing Flows › Community Financial System (CBU) › Q3 2026 › vs Q2 2026
Community Financial System (CBU) Q3 2026 vs Q2 2026 (quarter over quarter)
Community Financial System's revenue rose $4.1M (+2%) from $223M in Q2 2026 to $227M in Q3 2026. Operating margin 35.5% against 36.2% (-0.7 pts).
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 draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 35.5% | 36.2% | -0.7 pts |
| Net margin | 27.0% | 27.5% | -0.5 pts |
| Free cash flow margin | 46.8% | 18.5% | +28.3 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $227M | $223M | $4.1M | +2% |
| Operating profit | $80.7M | $80.8M | −$114K | -0.1% |
| Costs & expenses | $147M | $142M | $4.2M | +3% |
| Pre-tax earnings | $80.7M | $80.8M | −$114K | -0.1% |
| Net earnings | $61.3M | $61.3M | −$30K | 0% |
| Income tax | $19.4M | $19.5M | −$84K | -0.4% |
| Depreciation & amortization | $10.4M | $10.5M | −$98K | -0.9% |
| Share-based compensation | $2.8M | $2.8M | $33K | +1% |
| Working capital & other | $35.8M | −$23.5M | $59.3M | — |
| Operating cash flow | $110M | $51.1M | $59.2M | +116% |
| Free cash flow (OCF − capex) | $106M | $41.4M | $65.0M | +157% |
| Capital expenditures | $3.9M | $9.7M | −$5.8M | -60% |
Questions
How much did Community Financial System's revenue grow quarter over quarter in Q3 2026?
Community Financial System's revenue rose $4.1M (+2%) from $223M in Q2 2026 to $227M in Q3 2026. Operating margin 35.5% against 36.2% (-0.7 pts).