Skip to content
Screener

Community Financial System CBU Q2 2026 earnings

Reported July 28, 2026 · Before market open

Revenue$223.2MBeat by $1.4M
EPS$1.16Miss by $0.02
Revenue estimate$221.8M
EPS estimate$1.18
“Our organic momentum continues across all businesses and is also supported by margin and market value tailwinds. During the quarter we achieved an operating return on assets of 1.40% while continuing to actively invest in organic and inorganic growth initiatives including completing the acquisition of ClearPoint Federal Bank & Trust. At the same time, we remain focused on expanding operating leverage and ensuring that continued investments translate fully into bottom-line results. Importantly, our trajectory remains very attractive and we expect acceleration across all of our businesses into the second half of the year.”
Dimitar A. Karaivanov

Next report

Oct 27, 2026 (In 3 weeks)
Revenue estimate$227.0M
EPS estimate$1.19

Financials

Q2 2026

Income statement

See full
Revenue$223.2M+12.0%
Net income$61.3M+19.5%
EPS (diluted)$1.16+19.6%

Balance sheet

See full
Cash & equivalents$258.2M+8.8%
Total debt$598.0M+4.1%
Total equity$2.1B+10.1%
Total assets$17.8B+6.6%

Cash flow

See full
Operating cash flow$51.1M-4.9%
CapEx$9.7M-44.1%
Free cash flow$41.4M+13.7%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$3.15B+3.1%
Enterprise value$3.49B+6.6%
P/E13.8×-1.0×
P/S3.7×-0.2×

Profitability

See full
Net margin26.6%+1.6pp
FCF margin28.7%+3.3pp

Returns & leverage

See full
Return on equity11.5%+0.6pp
Debt / equity0.3×0.0×

Segments

By segment

See full
Banking And Corporate Services$160.3M+11.1%
Employee Benefit Services$36.4M+7.3%
Insurance Services$13.2M-2.0%
Wealth Management Services$11.2M+21.7%

FAQ

When did Community Financial System report Q2 2026 earnings?
Community Financial System (CBU) reported Q2 2026 earnings on July 28, 2026 before market open.
What were Community Financial System's Q2 2026 revenue and EPS?
Community Financial System reported revenue of $223.2M and eps of $1.16 for Q2 2026.
Did Community Financial System beat estimates in Q2 2026?
Revenue beat the consensus estimate of $221.8M by $1.4M. EPS missed the consensus estimate of $1.18 by $0.02.
Where can I find Community Financial System's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-087355) and the 10-Q periodic report (0001104659-26-092717) directly on SEC EDGAR. The filing index links above go to sec.gov.