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Community Financial System CBU Wealth Management Services — Occupancy Net

Other segment segments

Banking And Corporate Services
$12.38M+22.5%
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$987K+12.0%
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$412K+5.4%

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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:OccupancyNet.

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 itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Noninterest expenses:
Salaries and employee benefits82,43179,021162,753155,463
Data processing and communications19,68616,69937,55732,821
Occupancy and equipment13,88511,48628,76724,184
Business development and marketing2,5564,0015,0917,131
Legal and professional fees4,3144,3689,3849,217
Amortization of intangible assets4,4083,3698,6546,851
Other expenses10,45310,15818,56318,725

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's wealth management services — occupancy net?
Community Financial System (CBU) reported wealth management services — occupancy net of $129K in Q2 2026.
How has Community Financial System's wealth management services — occupancy net changed year-over-year?
Community Financial System's wealth management services — occupancy net decreased by 3.0% year-over-year, from $133K to $129K.
What is the long-term trend for Community Financial System's wealth management services — occupancy net?
Over 3 years (2022 to 2025), Community Financial System's wealth management services — occupancy net has grown at a 0.5% compound annual growth rate (CAGR), from $544K to $553K.
What does wealth management services — occupancy net mean?
Represents the net costs associated with the physical office space and facilities used by the wealth management segment, including rent, utilities, and maintenance. This metric helps assess the overhead burden of the segment's physical footprint relative to its revenue generation.

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