Community Financial System (CBU)
Combines Northeast community banking with national benefits administration, insurance and wealth management.
$61.03
vs last close−0.11 (−0.19%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 205 | 214 | 223 | 231 | 240 | 246 | 244 | 247 | 256 | 264 | 259 | 268 |
| Cost of revenue | 33 | 41 | 52 | 50 | 59 | 56 | 54 | 52 | 55 | 53 | 51 | 50 |
| Gross profit | 172 | 173 | 171 | 181 | 181 | 190 | 190 | 195 | 201 | 211 | 208 | 219 |
| 117 | 129 | 118 | 119 | 124 | 126 | 125 | 129 | 128 | 139 | 133 | 138 | |
| 75 | 75 | 76 | 78 | 82 | 81 | 80 | 83 | 81 | 85 | 98 | 7 | |
| Selling & marketing | 5 | 4 | 3 | 4 | 4 | 5 | 3 | 4 | 5 | 3 | 3 | 3 |
| General & administrative | 71 | 72 | 73 | 73 | 78 | 76 | 76 | 79 | 77 | 82 | 95 | 4 |
| Other expenses | 41 | 54 | 42 | 41 | 42 | 45 | 46 | 46 | 47 | 53 | 35 | 131 |
| Operating income | 56 | 44 | 53 | 62 | 57 | 65 | 64 | 66 | 73 | 72 | 75 | 81 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 138 | 146 | 153 | 157 | 164 | 170 | 168 | 173 | 177 | 181 | 180 | 184 |
| Interest expense | 30 | 37 | 46 | 48 | 51 | 50 | 47 | 48 | 49 | 48 | 45 | 45 |
| Income before tax | 56 | 44 | 53 | 62 | 57 | 65 | 64 | 66 | 73 | 72 | 75 | 81 |
| Income tax expense | 12 | 10 | 12 | 14 | 13 | 15 | 15 | 15 | 18 | 17 | 17 | 19 |
| Net income from continuing operations | 44 | 34 | 41 | 48 | 44 | 50 | 50 | 51 | 55 | 54 | 57 | 61 |
| Net income | 44 | 34 | 41 | 48 | 44 | 50 | 50 | 51 | 55 | 54 | 57 | 61 |
| EPS, basic | $0.82 | $0.63 | $0.77 | $0.91 | $0.84 | $0.94 | $0.94 | $0.97 | $1.04 | $1.03 | $1.08 | $1.16 |
| EPS, diluted | $0.82 | $0.63 | $0.76 | $0.91 | $0.83 | $0.93 | $0.94 | $0.97 | $1.04 | $1.03 | $1.08 | $1.16 |
| Weighted average shares, basic | 54 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 |
| Weighted average shares, diluted | 54 | 54 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | 53 |
| EBITDA | 63 | 51 | 60 | 70 | 64 | 72 | 72 | 73 | 80 | 80 | 84 | 92 |
| Depreciation & amortization | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 8 | 10 | 11 |
| EBIT | 56 | 44 | 53 | 62 | 57 | 65 | 64 | 66 | 73 | 72 | 75 | 81 |
