Filing Flows › Community Financial System (CBU) › Q3 2026 › vs Q3 2025
Community Financial System (CBU) Q3 2026 vs Q3 2025 (year over year)
Community Financial System's revenue rose $20.2M (+10%) from $207M in Q3 2025 to $227M in Q3 2026. Operating margin 35.5% against 35.3% (+0.2 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.5% | 35.3% | +0.2 pts |
| Net margin | 27.0% | 26.6% | +0.4 pts |
| Free cash flow margin | 46.8% | 40.3% | +6.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $227M | $207M | $20.2M | +10% |
| Operating profit | $80.7M | $73.2M | $7.5M | +10% |
| Costs & expenses | $147M | $134M | $12.7M | +9% |
| Pre-tax earnings | $80.7M | $73.2M | $7.5M | +10% |
| Net earnings | $61.3M | $55.1M | $6.2M | +11% |
| Income tax | $19.4M | $18.1M | $1.3M | +7% |
| Depreciation & amortization | $10.4M | $7.1M | $3.3M | +46% |
| Share-based compensation | $2.8M | $2.3M | $465K | +20% |
| Working capital & other | $35.8M | $36.5M | −$782K | -2% |
| Operating cash flow | $110M | $101M | $9.2M | +9% |
| Free cash flow (OCF − capex) | $106M | $83.4M | $23.0M | +28% |
| Capital expenditures | $3.9M | $17.7M | −$13.8M | -78% |
Questions
How much did Community Financial System's revenue grow year over year in Q3 2026?
Community Financial System's revenue rose $20.2M (+10%) from $207M in Q3 2025 to $227M in Q3 2026. Operating margin 35.5% against 35.3% (+0.2 pts).