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Community Financial System CBU Insurance Services — Communications And Information Technology

Other segment segments

Banking And Corporate Services
$16.64M+19.3%
Employee Benefit Services
$1.25M+4.8%
Wealth Management Services
$845K+21.8%

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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:CommunicationsAndInformationTechnology.

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
Less segment expenses: (b)
Provision for credit losses4,60700
Salaries and employee benefits52,00316,1828,638
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

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's insurance services — communications and information technology?
Community Financial System (CBU) reported insurance services — communications and information technology of $947K in Q2 2026.
How has Community Financial System's insurance services — communications and information technology changed year-over-year?
Community Financial System's insurance services — communications and information technology increased by 10.8% year-over-year, from $855K to $947K.
What is the long-term trend for Community Financial System's insurance services — communications and information technology?
Over 3 years (2022 to 2025), Community Financial System's insurance services — communications and information technology has grown at a 11.3% compound annual growth rate (CAGR), from $2.64M to $3.64M.
What does insurance services — communications and information technology mean?
This covers the costs associated with maintaining the digital infrastructure, software, and communication systems required to operate the insurance services segment. It reflects the company's investment in technological capabilities and operational efficiency. Increasing costs here may indicate digital transformation efforts or necessary system upgrades.

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