Filing Flows › Community Financial System (CBU) › Q3 2026
Community Financial System (CBU) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Community Financial System (CBU) reported revenue of $227M for the third quarter 2026 (Q3 2026), +10% from a year earlier and +2% from the quarter before. Operating margin was 35.5%, net earnings $61.3M (27.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $227M | +2% | +10% |
| Operating profit | $80.7M | -0.1% | +10% |
| Net earnings | $61.3M | 0% | +11% |
| Operating cash flow | $110M | +116% | +9% |
| Free cash flow | $106M | +157% | +28% |
What changed
Revenue was $227.3M in Q3 2026, up 10% year over year and up 2% from the previous quarter.
Operating profit was $80.7M, a 35.5% margin (up 0.2 points year over year). Of the extra revenue versus Q3 2025, 37% reached operating profit, above the 35% margin then. Total costs grew 9% against revenue growth of 10%. Net earnings were $61.3M, up 11% year over year. The effective tax rate was 24.0%.
Operating cash flow was $110.3M (up 9% year over year), 180% of net earnings. Non-cash charges added back $10.4M of depreciation and amortization and $2.8M of share-based compensation. Working capital and other items added $35.8M. Capital expenditures of $3.9M left free cash flow of $106.4M.
Questions
What was Community Financial System's revenue in the third quarter 2026?
Community Financial System (CBU) reported revenue of $227M for the third quarter 2026 (Q3 2026), +10% from a year earlier and +2% from the quarter before.
Was Community Financial System profitable in the third quarter 2026?
Operating profit was $80.7M (35.5% of revenue) and net earnings $61.3M.