Community Financial System (CBU) FCF Margin (2010 - 2026)
Community Financial System (CBU) recorded FCF Margin of 18.54% in Q2 2026, up 0.28 percentage points from 18.26% a year earlier but down 9.73 percentage points from the prior quarter.
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Analysis
Community Financial System (CBU) FCF Margin (2010 - 2026) Analysis & Trends
On a TTM basis, Community Financial System's FCF Margin came in at 28.72% as of Jun 30, 2026, up 3.25 percentage points year-over-year; for FY2025, it came in at 28.52%, down 1.17 percentage points from FY2024.
- Annual FCF Margin has a five-year change of +0.93 percentage points (FY2020 to FY2025).
- Across earlier years, FCF Margin came in at 29.69% in FY2024 (-2.49 pp), 32.18% in FY2023 (+2.49 pp), 29.69% in FY2022 (-0.79 pp) and 30.48% in FY2021 (+2.88 pp).
- Quarterly FCF Margin has ranged from 18.26% in Q2 2025 to 58.87% in Q1 2023 over the past five years.
- On a year-over-year basis, FCF Margin rose in four of the last eight quarters, with an average year-over-year change of -0.24 percentage points.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 28.12 percentage points in Q1 2023, against a drop of 17.15 percentage points in Q1 2025 at the low end.
- Per Business Quant, the preceding three quarters came in at 28.27% (Q1 2026), 28.58% (Q4 2025) and 40.29% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 918.91 Bn | 918.91 Bn | - | 66.09% |
| 2 | Banco Santander Chile | 870.35 Bn | 846.93 Bn | - | - |
| 3 | Bank Of America | 358.55 Bn | -2,017.56 Bn | - | -21.69% |
| 4 | Hsbc Holdings | 315.74 Bn | -668.95 Bn | - | - |
| 5 | Morgan Stanley | 290.88 Bn | -253.14 Bn | - | -230.94% |
| 6 | Royal Bank Of Canada | 287.92 Bn | 137.98 Bn | - | 189.34% |
| 7 | Goldman Sachs | 270.57 Bn | -3,472.88 Bn | - | 19.57% |
| 8 | Wells Fargo & Company | 258.79 Bn | 258.79 Bn | - | 40.54% |
| 9 | Mitsubishi Ufj Financial | 247.94 Bn | 129.81 Bn | - | - |
| 10 | Community Financial System | 3.44 Bn | 3.43 Bn | - | 18.54% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 18.54% |
| Mar 31, 2026 | 28.27% |
| Dec 31, 2025 | 28.58% |
| Sep 30, 2025 | 40.29% |
| Jun 30, 2025 | 18.26% |
| Mar 31, 2025 | 26.47% |
| Dec 31, 2024 | 29.82% |
| Sep 30, 2024 | 27.48% |
| Jun 30, 2024 | 18.38% |
| Mar 31, 2024 | 43.62% |
| Dec 31, 2023 | 22.61% |
| Sep 30, 2023 | 33.02% |
| Jun 30, 2023 | 22.03% |
| Mar 31, 2023 | 58.87% |
| Dec 31, 2022 | 39.02% |
| Sep 30, 2022 | 22.53% |
| Jun 30, 2022 | 26.37% |
| Mar 31, 2022 | 30.74% |
| Dec 31, 2021 | 29.09% |
| Sep 30, 2021 | 38.45% |
API Access
Community Financial System FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=CBU&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "CBU", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=CBU&period=max&api_key=YOUR_API_KEY");
const data = await res.json();