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Community Financial System CBU Insurance Services — Adjusted Income Before Income Taxes

Other segment segments

Banking And Corporate Services
$59.61M+28.8%
Employee Benefit Services
$14.33M+6.6%
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$3.91M+7.5%

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CBZBenefits and Insurance Services — Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest
2,339,000,000%-455,500,000pp
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CVCOFinancial services — Pre-Tax Income
$7.74M+412%

Other financials

Income statement

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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

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

Valuation

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Market cap$3.39B+2.6%

Profitability

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

Returns & leverage

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

Where this comes from

Reported directly by Community Financial System in its filing.

Tagged under the XBRL concept cbu:AdjustedIncomeBeforeIncomeTaxes.

The official record: Community Financial System’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Community Financial System's insurance services — adjusted income before income taxes?
Community Financial System (CBU) reported insurance services — adjusted income before income taxes of $1.85M in Q1 2026.
How has Community Financial System's insurance services — adjusted income before income taxes changed year-over-year?
Community Financial System's insurance services — adjusted income before income taxes decreased by 55.0% year-over-year, from $4.11M to $1.85M.
What is the long-term trend for Community Financial System's insurance services — adjusted income before income taxes?
Over 3 years (2022 to 2025), Community Financial System's insurance services — adjusted income before income taxes has grown at a 13.6% compound annual growth rate (CAGR), from $7.18M to $10.53M.
What does insurance services — adjusted income before income taxes mean?
Measures the profitability of the insurance services segment after accounting for all operating expenses but before the deduction of income taxes. This metric provides a clear view of the segment's operational efficiency and earnings power. It is a primary indicator of how effectively the business unit generates value from its core insurance activities.