Filing Flows › Community Financial System (CBU) › Q4 2025
Community Financial System (CBU) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Community Financial System (CBU) reported revenue of $215M for the fourth quarter 2025 (Q4 2025), +10% from a year earlier and +4% from the quarter before. Operating margin was 33.4%, net earnings $54.4M (25.3% of revenue).
Community Financial System, Q4 2025: revenue $215M (+10% year over year), operating margin 33.4%, net earnings $54.4M, operating cash flow $84.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $215M | +4% | +10% |
| Operating profit | $71.9M | -2% | +11% |
| Net earnings | $54.4M | -1% | +9% |
| Operating cash flow | $84.6M | -16% | +29% |
| Free cash flow | $61.6M | -26% | +5% |
What changed
Revenue was $215.5M in Q4 2025, up 10% year over year and up 4% from the previous quarter.
Operating profit was $71.9M, a 33.4% margin (up 0.5 points year over year). Of the extra revenue versus a year earlier, 39% reached operating profit, above the 33% margin then. Total costs grew 9% against revenue growth of 10%. Net earnings were $54.4M, up 9% year over year. The effective tax rate was 24.3%.
Operating cash flow was $84.6M (up 29% year over year), 155% of net earnings. Non-cash charges added back $8.1M of depreciation and amortization and $3.0M of share-based compensation. Working capital and other items added $19.0M. Capital expenditures of $23.0M left free cash flow of $61.6M.
Questions
What was Community Financial System's revenue in the fourth quarter 2025?
Community Financial System (CBU) reported revenue of $215M for the fourth quarter 2025 (Q4 2025), +10% from a year earlier and +4% from the quarter before.
Was Community Financial System profitable in the fourth quarter 2025?
Operating profit was $71.9M (33.4% of revenue) and net earnings $54.4M.