Community Financial System, Inc. (CBU) stock
CBUNYSENational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 13/306% above fair value
$64.75+0.26 (+0.40%)
Close on Nov 13, 2026Market cap $3.41BP/E 14.6Yield 2.87%
Community Financial System profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Community Financial System's profit margin for the twelve months ending Sep 30, 2026 was 26.6%. For fiscal 2025 it was 25.7%, against 24.3% the year before. The highest annual figure on record is 30.6% in fiscal 2021.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 25.7% | +1.4 |
| FY2024 | Dec 31, 2024 | 24.3% | +4.1 |
| FY2023 | Dec 31, 2023 | 20.2% | −7.5 |
| FY2022 | Dec 31, 2022 | 27.7% | −2.9 |
| FY2021 | Dec 31, 2021 | 30.6% | +3.0 |
| FY2020 | Dec 31, 2020 | 27.6% | −1.1 |
| FY2019 | Dec 31, 2019 | 28.7% | −1.0 |
| FY2018 | Dec 31, 2018 | 29.6% | +0.5 |
| FY2017 | Dec 31, 2017 | 29.1% | +4.9 |
| FY2016 | Dec 31, 2016 | 24.2% | −0.4 |
| FY2015 | Dec 31, 2015 | 24.5% | −0.6 |
| FY2014 | Dec 31, 2014 | 25.1% | +2.0 |
| FY2013 | Dec 31, 2013 | 23.2% | −0.2 |
| FY2012 | Dec 31, 2012 | 23.4% | −1.1 |
| FY2011 | Dec 31, 2011 | 24.5% | +1.1 |
| FY2010 | Dec 31, 2010 | 23.4% | +6.8 |
| FY2009 | Dec 31, 2009 | 16.6% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | 27.0% | +0.4 |
| Q2 FY2026 | Jun 30, 2026 | 27.5% | +1.7 |
| Q1 FY2026 | Mar 31, 2026 | 26.8% | +1.5 |
| Q4 FY2025 | Dec 31, 2025 | 25.3% | +0.4 |
| Q3 FY2025 | Sep 30, 2025 | 26.6% | +3.4 |
| Q2 FY2025 | Jun 30, 2025 | 25.8% | −0.3 |
| Q1 FY2025 | Mar 31, 2025 | 25.3% | +2.2 |
| Q4 FY2024 | Dec 31, 2024 | 24.8% | +5.8 |
| Q3 FY2024 | Sep 30, 2024 | 23.2% | −1.9 |
| Q2 FY2024 | Jun 30, 2024 | 26.1% | −1.5 |
| Q1 FY2024 | Mar 31, 2024 | 23.1% | +18.4 |
| Q4 FY2023 | Dec 31, 2023 | 19.0% | +11.3 |
| Q3 FY2023 | Sep 30, 2023 | 25.2% | −24320.3 |
| Q2 FY2023 | Jun 30, 2023 | 27.6% | −13240.8 |
| Q1 FY2023 | Mar 31, 2023 | 4.7% | −15680.3 |
| Q4 FY2022 | Dec 31, 2022 | 7.7% | −19.5 |
| Q3 FY2022 | Sep 30, 2022 | 24345.5% | +24316.6 |
| Q2 FY2022 | Jun 30, 2022 | 13268.3% | +13236.7 |
| Q1 FY2022 | Mar 31, 2022 | 15685.0% | +15650.3 |
| Q4 FY2021 | Dec 31, 2021 | 27.3% | −3.6 |
| Q3 FY2021 | Sep 30, 2021 | 28.9% | +0.8 |
| Q2 FY2021 | Jun 30, 2021 | 31.6% | +7.3 |
| Q1 FY2021 | Mar 31, 2021 | 34.7% | +7.7 |
| Q4 FY2020 | Dec 31, 2020 | 30.9% | +2.2 |
| Q3 FY2020 | Sep 30, 2020 | 28.0% | +1.6 |
| Q2 FY2020 | Jun 30, 2020 | 24.3% | −5.9 |
| Q1 FY2020 | Mar 31, 2020 | 27.0% | −2.4 |
| Q4 FY2019 | Dec 31, 2019 | 28.6% | −0.2 |
| Q3 FY2019 | Sep 30, 2019 | 26.4% | −3.9 |
| Q2 FY2019 | Jun 30, 2019 | 30.2% | −0.9 |
| Q1 FY2019 | Mar 31, 2019 | 29.4% | +1.2 |
| Q4 FY2018 | Dec 31, 2018 | 28.8% | −22.6 |
| Q3 FY2018 | Sep 30, 2018 | 30.4% | +4.7 |
| Q2 FY2018 | Jun 30, 2018 | 31.1% | +17.8 |
| Q1 FY2018 | Mar 31, 2018 | 28.2% | +4.7 |
| Q4 FY2017 | Dec 31, 2017 | 51.5% | +27.2 |
| Q3 FY2017 | Sep 30, 2017 | 25.7% | – |
| Q2 FY2017 | Jun 30, 2017 | 13.3% | – |
| Q1 FY2017 | Mar 31, 2017 | 23.5% | – |
| Q4 FY2016 | Dec 31, 2016 | 24.2% | – |
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