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Community Financial System CBU Insurance Services — Occupancy Net

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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:OccupancyNet.

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 — occupancy net?
Community Financial System (CBU) reported insurance services — occupancy net of $442K in Q1 2026.
How has Community Financial System's insurance services — occupancy net changed year-over-year?
Community Financial System's insurance services — occupancy net increased by 0.2% year-over-year, from $441K to $442K.
What is the long-term trend for Community Financial System's insurance services — occupancy net?
Over 3 years (2022 to 2025), Community Financial System's insurance services — occupancy net has grown at a 8.9% compound annual growth rate (CAGR), from $1.3M to $1.68M.
What does insurance services — occupancy net mean?
This represents the net costs associated with physical office space, including rent, utilities, and maintenance, allocated to the insurance services segment. It measures the overhead burden of the segment's physical footprint. Lower occupancy costs relative to revenue indicate better utilization of real estate assets.