Filing Flows › Community Financial System (CBU) › How it makes money
How Community Financial System (CBU) makes money
Community Financial System (CBU) made $227M of revenue in the third quarter 2026 (Q3 2026), +10% from a year earlier. Of every dollar of revenue, 36¢ was left as operating profit, 27¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $227M | 100.0% |
| Operating profit | $80.7M | 35.5% |
| Income tax | $19.4M | 8.5% |
| Net earnings | $61.3M | 27.0% |
| Operating cash flow | $110M | 48.5% |
| Free cash flow | $106M | 46.8% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $227M | +10% |
| Q2 2026 | $223M | +12% |
| Q1 2026 | $213M | +9% |
| Q4 2025 | $215M | +10% |
| Q3 2025 | $207M | +10% |
| Q2 2025 | $199M | +8% |
| Q1 2025 | $196M | +11% |
From Community Financial System's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does Community Financial System make money?
Community Financial System (CBU) made $227M of revenue in the third quarter 2026 (Q3 2026), +10% from a year earlier. Of every dollar of revenue, 36¢ was left as operating profit, 27¢ was left as net earnings.
What is Community Financial System's profit margin?
Net earnings were $61.3M, 27.0% of revenue, in the third quarter 2026; the operating margin was 35.5%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.