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Community Financial System CBU Employee Benefit Services — Business Development

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Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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Market cap$3.41B+18.6%
Enterprise value$3.75B+16.8%
P/E15×+0.2×
P/S+0.3×

Profitability

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

Returns & leverage

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

Where this comes from

Reported directly by Community Financial System in its filing.

Tagged under the XBRL concept us-gaap:BusinessDevelopment.

The source filing: Community Financial System’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:16 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-092717
Line itemBanking andEmployee / BenefitInsurance
Data processing and communications16,6401,254947
Occupancy and equipment12,383987412
Legal and professional fees2,5131,81288
Business development and marketing2,036159272
Other segment items (c)7,5562,125449
Segment adjusted income before income taxes$61,688$13,841$2,005$$80,976
Reconciliation of profit or loss (segment adjusted income before income taxes):
Gain on equity securities4,710

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's employee benefit services — business development?
Community Financial System (CBU) reported employee benefit services — business development of $159K in Q2 2026.
How has Community Financial System's employee benefit services — business development changed year-over-year?
Community Financial System's employee benefit services — business development increased by 123.9% year-over-year, from $71K to $159K.
What is the long-term trend for Community Financial System's employee benefit services — business development?
Over 3 years (2022 to 2025), Community Financial System's employee benefit services — business development has grown at a 41.7% compound annual growth rate (CAGR), from $124K to $353K.
What does employee benefit services — business development mean?
This includes expenditures related to marketing, sales efforts, and client acquisition initiatives specifically for the employee benefit services segment. It is a leading indicator of the segment's commitment to growth and market expansion. Effective management of this expense is crucial for balancing customer acquisition costs against long-term revenue growth.

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