Community Financial System (CBU) Net Margin (2010 - 2026)
Community Financial System's Net Margin came in at 464.83% for Q2 2026, up 81.42 percentage points from 383.41% a year earlier and up 10.21 percentage points from the prior quarter.
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Analysis
Community Financial System (CBU) Net Margin (2010 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Community Financial System reported Net Margin of 433.56%, up 69.22 percentage points year-over-year; for FY2025, it came in at 386.79%, up 23.64 percentage points from FY2024.
- Net Margin carries a five-year change of -121.90 percentage points (FY2020 to FY2025).
- Going back by year, Net Margin was 363.15% in FY2024 (+83.02 pp), 280.13% in FY2023 (-192.32 pp), 472.45% in FY2022 (-85.61 pp) and 558.05% in FY2021 (+49.36 pp).
- The Q2 2026 figure represents the highest quarterly Net Margin since Q4 2022.
- Year-over-year, Net Margin has increased for five consecutive quarters, with an average year-over-year change of +44.41 percentage points over the last eight quarters.
- The fastest year-over-year change in Net Margin over five years came in Q1 2024 (a gain of 317.60 percentage points), and the weakest in Q1 2023 (a drop of 401.74 percentage points).
- Business Quant data shows CBU's Net Margin at 454.62% (Q1 2026), 429.06% (Q4 2025) and 389.67% (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 895.36 Bn | 924.83 Bn | - | 36.19% |
| 2 | Banco Santander Chile | 425.01 Bn | 544.95 Bn | - | - |
| 3 | Bank Of America | 389.22 Bn | -1,986.85 Bn | - | 27.72% |
| 4 | Hsbc Holdings | 347.56 Bn | 347.61 Bn | - | - |
| 5 | Morgan Stanley | 304.44 Bn | -204.66 Bn | - | 25.46% |
| 6 | Royal Bank Of Canada | 281.54 Bn | 132.29 Bn | - | 32.50% |
| 7 | Mitsubishi Ufj Financial | 277.23 Bn | -1,311.26 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 267.12 Bn | -3,289.99 Bn | - | 31.46% |
| 9 | Wells Fargo & Company | 244.76 Bn | 246.90 Bn | - | 27.23% |
| 10 | Community Financial System | 3.18 Bn | 3.17 Bn | - | 464.83% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 464.83% |
| Mar 31, 2026 | 454.62% |
| Dec 31, 2025 | 429.06% |
| Sep 30, 2025 | 389.67% |
| Jun 30, 2025 | 383.41% |
| Mar 31, 2025 | 349.37% |
| Dec 31, 2024 | 408.78% |
| Sep 30, 2024 | 321.57% |
| Jun 30, 2024 | 360.07% |
| Mar 31, 2024 | 367.92% |
| Dec 31, 2023 | 290.59% |
| Sep 30, 2023 | 364.31% |
| Jun 30, 2023 | 407.18% |
| Mar 31, 2023 | 50.32% |
| Dec 31, 2022 | 633.73% |
| Sep 30, 2022 | 429.68% |
| Jun 30, 2022 | 407.00% |
| Mar 31, 2022 | 452.06% |
| Dec 31, 2021 | 515.31% |
| Sep 30, 2021 | 494.07% |
API Access
Community Financial System Net 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=net-margin&ticker=CBU&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=CBU&period=max&api_key=YOUR_API_KEY");
const data = await res.json();