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Community Financial System CBU Q1 2026 earnings

Reported April 29, 2026 · Before market open

Revenue$213.7MMiss by $2.7M
EPS$1.09Miss by $0.01
Revenue estimate$216.4M
EPS estimate$1.10

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$226.8M
EPS estimate$1.20

Financials

Q1 2026

Income statement

See full
Revenue$213.3M+8.7%
Net income$57.2M+15.3%
EPS (diluted)$1.08+16.1%

Balance sheet

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Cash & equivalents$572.2M+10.5%
Total debt$437.7M-25.3%
Total equity$2.0B+10.4%
Total assets$17.7B+5.8%

Cash flow

See full
Operating cash flow$71.6M+14.5%
CapEx$11.3M+6.7%
Free cash flow$60.3M+16.1%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$3.08B+2.6%
Enterprise value$2.95B-4.1%
P/E14.1×-1.6×
P/S3.7×-0.2×

Profitability

See full
Net margin26.1%+1.1pp
FCF margin28.9%+3.3pp

Returns & leverage

See full
Return on equity11.3%+0.3pp
Debt / equity0.2×-0.1×

Segments

By segment

See full
Banking And Corporate Services$156.3M+12.5%
Employee Benefit Services$36.3M+6.4%
Insurance Services$12.6M-11.8%
Wealth Management Services$11.1M+5.5%

FAQ

When did Community Financial System report Q1 2026 earnings?
Community Financial System (CBU) reported Q1 2026 earnings on April 29, 2026 before market open.
What were Community Financial System's Q1 2026 revenue and EPS?
Community Financial System reported revenue of $213.7M and eps of $1.09 for Q1 2026.
Did Community Financial System beat estimates in Q1 2026?
Revenue missed the consensus estimate of $216.4M by $2.7M. EPS missed the consensus estimate of $1.10 by $0.01.
How did Community Financial System's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.9% from $196.2M a year earlier and eps grew 17.2% from $0.93.
Where can I find Community Financial System's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-050927) and the 10-Q periodic report (0001104659-26-057940) directly on SEC EDGAR. The filing index links above go to sec.gov.