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Community Financial System CBU Net margin

Net margin at other companies

M&T BankMTB

29.8%+1.5pp

Independent Bank CorpINDB

25.8%-1.1pp

Eastern Bankshares, Inc.EBC

35.1%+24.6pp

F.N.B. CorporationFNB

32.4%+3.7pp

Regions FinancialRF

29.2%+0.9pp

FIB

First Interstate BancSystem, Inc.FIBK

29.6%+7.9pp

Other financials

Income statement

Revenue$213.3M+8.7%

Net income$57.2M+15.3%

EPS (diluted)$1.08+16.1%

Balance sheet

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

Operating cash flow$71.6M+14.5%

CapEx$11.3M+6.7%

Free cash flow$60.3M+16.1%

Valuation

Market cap$3.28B+2.6%

Enterprise value$3.14B-4.1%

P/E15×-1.7×

P/S3.9×-0.3×

Profitability

FCF margin28.9%+3.3pp

Returns & leverage

Return on equity11.3%+0.3pp

Debt / equity0.2×-0.1×

Where this comes from

Calculated from Community Financial System’s reported figures.

net income/total revenue=26.1%

Based on trailing twelve months.

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 net margin?: Community Financial System (CBU) reported net margin of 26.1% in Q1 2026.
How has Community Financial System's net margin changed year-over-year?: Community Financial System's net margin increased by 4.5% year-over-year, from 25% to 26.1%.
What is the long-term trend for Community Financial System's net margin?: Over 5 years (2020 to 2025), Community Financial System's net margin has grown at a -1.4% compound annual growth rate (CAGR), from 27.6% to 25.7%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.