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Community Financial System CBU Pre-Tax Income

Pre-Tax Income at other companies

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$69.12M+125%
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International BancsharesIBOC
$121.11M-3.9%

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/S4×+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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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
Amortization of intangible assets4,4083,3698,6546,851
Other expenses10,45310,15818,56318,725
Total noninterest expenses137,733129,102270,769254,392
Income before income taxes80,81566,037155,429130,305
Income taxes19,48114,70636,87729,360
Net income$61,334$51,331$118,552$100,945
Basic earnings per share$1.16$0.97$2.25$1.91
Diluted earnings per share$1.16$0.97$2.24$1.90

Item 1. Financial Statements (Unaudited)

FAQ

What is Community Financial System's pre-tax income?
Community Financial System (CBU) reported pre-tax income of $80.82M in Q2 2026.
How has Community Financial System's pre-tax income changed year-over-year?
Community Financial System's pre-tax income increased by 22.4% year-over-year, from $66.04M to $80.82M.
What is the long-term trend for Community Financial System's pre-tax income?
Over 4 years (2021 to 2025), Community Financial System's pre-tax income has grown at a 3.4% compound annual growth rate (CAGR), from $241.35M to $275.39M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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