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Community Financial System CBU Employee Benefit Services — Interest And Dividend Income Operating

Other segment segments

Banking And Corporate Services
$184.18M+6.6%
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$481K+270%
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$54K+8.0%

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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$3.44B+22.3%
Enterprise value$3.78B+20.0%
P/E15.1×+0.6×
P/S+0.4×

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:InterestAndDividendIncomeOperating.

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
Acquisition expenses(231)
Total consolidated income before income taxes$80,815
Other segment disclosures:
Interest income$184,178$831$54$$185,544
Reconciliation of interest income:
Elimination of intersegment interest income(1,192)
Total consolidated interest income$184,352
Interest expense$46,280$0$0$$46,400

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's employee benefit services — interest and dividend income operating?
Community Financial System (CBU) reported employee benefit services — interest and dividend income operating of $831K in Q2 2026.
How has Community Financial System's employee benefit services — interest and dividend income operating changed year-over-year?
Community Financial System's employee benefit services — interest and dividend income operating increased by 39.7% year-over-year, from $595K to $831K.
What is the long-term trend for Community Financial System's employee benefit services — interest and dividend income operating?
Over 3 years (2022 to 2025), Community Financial System's employee benefit services — interest and dividend income operating has grown at a 100.9% compound annual growth rate (CAGR), from $319K to $2.59M.
What does employee benefit services — interest and dividend income operating mean?
Captures the revenue generated from interest-bearing assets or dividend-yielding investments held specifically within the Employee Benefit Services division. It reflects the segment's ability to earn returns on its allocated capital or cash balances.

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