Community Financial System (CBU) Net Margin (2010 - 2026)

Community Financial System has disclosed Net Margin across 17 years of filings, most recently posting 26.83% for Q1 2026.

• Net Margin for Q1 2026 came in at 26.83%, up 155.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 29.89% (down 39.0% YoY), and the FY2025 annual result was 29.58%, down 30.0% from the prior year.
• Net Margin came in at 26.83% for Q1 2026 at Community Financial System, down from 39.89% in the prior quarter.
• In the past five years, Net Margin ranged from a high of 53.92% in Q4 2022 to a low of 4.66% in Q1 2023.
• The 5-year median for Net Margin is 26.61% (2025), against an average of 28.84%.
• Across the five-year window, Net Margin sank 2465 bps in 2023 and surged 1840 bps in 2024, its largest moves.
• Community Financial System's Net Margin stood at 53.92% in 2022, then sank by 34 bps to 35.5% in 2023, then rose by 30 bps to 46.01% in 2024, then fell by 13 bps to 39.89% in 2025, then plunged by 33 bps to 26.83% in 2026.
• The last three Net Margin figures came in at 26.83% (Q1 2026), 39.89% (Q4 2025), and 26.61% (Q3 2025), per Business Quant data.