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Community Financial System CBU Insurance Services — Interest Income Expense Net

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$139K+4.5%
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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:InterestIncomeExpenseNet.

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
(000’s omitted)CorporateServicesServicesTotal
Three Months Ended June 30, 2026
Net interest income (expense) from external customers$139,089$139$0$$139,144
Noninterest revenues from external customers21,23934,88513,19579,764
Revenues from external customers160,32835,02413,195218,908
Equity in net loss of investees accounted for by the equity method00(463)(463)
Intersegment revenues(902)1,336791,370
159,42636,36012,811219,815

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's insurance services — interest income expense net?
Community Financial System (CBU) reported insurance services — interest income expense net of $0 in Q2 2026.
What does insurance services — interest income expense net mean?
This represents the net result of interest income earned and interest expense incurred specifically within the insurance services business segment. It reflects the profitability of interest-bearing assets and liabilities managed by the insurance division. A positive value indicates that interest income exceeds interest costs, contributing to the segment's overall net revenue.

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