Community Financial System, Inc. (CBU) Financials
Key financial figures for Community Financial System, Inc. (Q3 2026).
Community Financial System earned $1.16 per diluted share in Q3 2026, up from $1.04 a year earlier, as net interest margin widened to 3.54% and net charge-offs rose to an annualized 0.18% of average loans. Net income was $61.3 million, or $1.16 per diluted share, versus $55.1 million, or $1.04, in Q3 2025 (+11.5% per share) and flat with Q2 2026 at $1.16. Operating diluted EPS (non-GAAP) was $1.27, up 16.5% from $1.09 a year ago; the CEO called it the sixth consecutive quarter of record results. Net interest income rose 12.0% year over year to $143.5 million and net interest margin widened 24 basis points to 3.54%, helped by a lower cost of interest-bearing liabilities (1.55% versus 1.76%) and the sale of $296.8 million of lower-yielding available-for-sale U.S. Figures are for Q3 2026, as Community Financial System Inc. reported them.
- Revenue
- $272M
- Net Income
- $61M
- EPS
- $1.16
- Total Assets
- $17.8B
- Operating Cash Flow
- $110M
Recent quarters
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| Q3 FY2026 | $272M | $61M | $1.16 | ||
| Q2 FY2026 | $268M | $61M | $1.16 | $41M | |
| Q1 FY2026 | $259M | $57M | $1.08 | $60M | |
| Q4 FY2025 | $264M | $54M | $1.03 | $46M | |
| Q3 FY2025 | $256M | $55M | $1.04 | $83M |
Recent fiscal years
| Period | Revenue | Net Income | EPS | Operating Margin | Free Cash Flow |
|---|---|---|---|---|---|
| FY2025 | $1.0B | $210M | $3.97 | $233M | |
| FY2024 | $941M | $182M | $3.44 | $222M | |
| FY2023 | $756M | $132M | $2.45 | 22.25% | $210M |
Frequently asked questions
What was Community Financial System Inc.'s revenue last quarter?
Community Financial System Inc. reported revenue of $272.0 million for Q3 FY2026, up 6.2% from the same period a year earlier.
Is Community Financial System Inc. profitable?
Yes. Community Financial System Inc. reported net income of $61.3 million for Q3 FY2026, a net margin of 22.54% on revenue.
How many quarters of Community Financial System Inc. financials does SentiSense hold?
SentiSense holds up to forty quarters and twenty fiscal years of income statement, balance sheet and cash flow history for CBU. The 5 most recent quarters are summarised above.
Full income statement, balance sheet and cash flow for Community Financial System, Inc. on SentiSense, with up to forty quarters and twenty fiscal years of history.