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Community Financial System CBU Insurance Services — Depreciation

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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$3.28B+2.6%
Enterprise value$3.14B-4.1%
P/E15×-1.7×
P/S3.9×-0.3×

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 us-gaap:Depreciation.

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 — depreciation?
Community Financial System (CBU) reported insurance services — depreciation of $88K in Q1 2026.
How has Community Financial System's insurance services — depreciation changed year-over-year?
Community Financial System's insurance services — depreciation decreased by 17.0% year-over-year, from $106K to $88K.
What is the long-term trend for Community Financial System's insurance services — depreciation?
Over 3 years (2022 to 2025), Community Financial System's insurance services — depreciation has grown at a -6.7% compound annual growth rate (CAGR), from $493K to $401K.
What does insurance services — depreciation mean?
The systematic allocation of the cost of tangible assets, such as office equipment and furniture, over their useful lives within the insurance services segment. This non-cash expense reflects the wear and tear of physical capital used to support business operations. Tracking this helps in understanding the segment's ongoing capital expenditure requirements.