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Community Financial System CBU Insurance Services — Noninterest Income

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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:NoninterestIncome.

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 — noninterest income?
Community Financial System (CBU) reported insurance services — noninterest income of $13.2M in Q2 2026.
How has Community Financial System's insurance services — noninterest income changed year-over-year?
Community Financial System's insurance services — noninterest income decreased by 1.4% year-over-year, from $13.39M to $13.2M.
What is the long-term trend for Community Financial System's insurance services — noninterest income?
Over 2 years (2022 to 2025), Community Financial System's insurance services — noninterest income has grown at a 16.9% compound annual growth rate (CAGR), from $39.81M to $54.41M.
What does insurance services — noninterest income mean?
This captures all revenue generated by the insurance services segment that is not derived from interest-bearing activities, such as commissions, fees, and service charges. It is a primary indicator of the segment's ability to generate recurring fee-based revenue independent of interest rate fluctuations. Growth in this metric signifies successful expansion of service offerings and client base.

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