Jun 2026 (Q2 FY26) — Jul 28, 2026
Community Financial Systems Q2 FY26 — Record NII and Strong Fee Performance Offset Insurance Headwinds
Read the full callCommunity Financial Systems (CBU) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Community Financial Systems earnings: last reported Tue, 28 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 223 | +12.0% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 61.3 | +19.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$59.85 −0.65% · −$0.39
Performance +7.6% 1Y
1Y: $55.63 on 17 Oct 2025 → $59.85. High $70.99 (16 Jul 2026), low $53.67 (18 Nov 2025).
- Previous close
- $60.24
- 52-week range
- $53.67 – $70.99
- One year
- +6.80%
Overview
- Symbol
- CBU
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
Community Financial Systems earnings calls (CBU)
Financials
What the filings say
Net profit, year on year: +19% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 189 | 196 | 196 | 199 | 207 | 215 | 213 | 223 |
| Interest | 51 | 50 | 47 | 48 | 49 | 48 | 45 | 45 |
| Profit before tax | 57 | 65 | 64 | 66 | 73 | 72 | 75 | 81 |
| Tax rate | 23.0% | 22.9% | 22.8% | 22.3% | 24.7% | 24.3% | 23.3% | 24.1% |
| Net profit | 44 | 50 | 50 | 51 | 55 | 54 | 57 | 61 |
| EPS ($ per share) | 0.83 | — | 0.94 | 0.97 | 1.04 | — | 1.08 | 1.16 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Reserves | 796 | 883 | 960 | 1,058 | 1,152 | 1,189 | 1,275 | 1,388 |
| Total liabilities | 8,894 | 9,555 | 11,827 | 13,452 | 14,284 | 13,858 | 14,623 | 15,297 |
| Fixed assets | 120 | 165 | 166 | 161 | 161 | 173 | 184 | 247 |
| Total assets | 10,607 | 11,410 | 13,931 | 15,553 | 15,836 | 15,556 | 16,386 | 17,303 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 221 | 203 | 179 | 203 | 215 | 228 | 242 | 302 |
| Cash from investing | 17 | -157 | -399 | -1,531 | -2,139 | 336 | -836 | -182 |
| Cash from financing | -248 | -52 | 1,660 | 1,557 | 259 | -583 | 599 | -15 |
| Capital expenditure | -13 | -6 | -15 | -13 | -13 | -19 | -21 | -69 |
| Free cash flow | 209 | 197 | 165 | 189 | 202 | 210 | 222 | 233 |
Insider filings
40 filings between Dec 1, 2025 and Sep 9, 2026.
Open market
decisions to buy or sellPurchases
$75.3K
3 purchases by 3 insiders
Sales
$1.81M
6 sales by 5 insiders
Compensation
not trading decisions- 3
- Award — granted as compensation
- 16
- Option exercise — converted options into shares
- 12
- Tax withheld — shares kept back by the company to cover tax
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Bolus Mark J. | — | $816.8K | Jun 25, 2026 |
| Whipple John F. | — | $276.7K | Feb 4, 2026 |
| STICKELS ERIC | — | $257.5K | Jun 8, 2026 |
| STEELE SALLY A | — | $256.5K | Feb 3, 2026 |
| Gillan-Myer Maureen A | — | $203.1K | Dec 29, 2025 |
| Hall Brenda M | $30.3K | — | Aug 24, 2026 |
| Singh Savneet | $25.0K | — | Sep 9, 2026 |
| Vaccaro John A | $20.0K | — | Aug 27, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 9, 2026 | Singh Savneet Director | Purchase | 400 | $25.0K |
| Aug 27, 2026 | Vaccaro John A Director | Purchase | 317 | $20.0K |
| Aug 24, 2026 | Hall Brenda M Director | Purchase | 476 | $30.3K |
| Jun 25, 2026 | Bolus Mark J. Director | Sale | 12,191 | $816.8K |
| Jun 10, 2026 | Durkee Deresa Fischer SVP, Chief Accounting Officer | Option exercise | 427 | $22.1K |
| Jun 10, 2026 | Durkee Deresa Fischer SVP, Chief Accounting Officer | Option exercise | 1,196 | $52.9K |
| Jun 10, 2026 | Durkee Deresa Fischer SVP, Chief Accounting Officer | Tax withheld | 1,326 | $85.9K |
| Jun 8, 2026 | STICKELS ERIC Director | Sale | 2,000 | $128.0K |
| May 4, 2026 | Wlos Marya Burgio EVP & Chief Financial Officer | Tax withheld | 273 | $17.4K |
| Apr 29, 2026 | Pecor Raymond C III Director | Option exercise | 9 | — |
| Apr 29, 2026 | STEELE SALLY A Director | Option exercise | 9 | — |
| Apr 29, 2026 | Parente John Director | Option exercise | 9 | — |
| Apr 29, 2026 | Knauss Jeffery J Director | Option exercise | 9 | — |
| Mar 19, 2026 | STEELE SALLY A Director | Option exercise | 1,254 | — |
| Mar 19, 2026 | Pecor Raymond C III Director | Option exercise | 1,254 | — |
| Mar 19, 2026 | Parente John Director | Option exercise | 1,254 | — |
| Mar 19, 2026 | Knauss Jeffery J Director | Option exercise | 1,254 | — |
| Mar 16, 2026 | STICKELS ERIC Director | Option exercise | 250 | — |
| Mar 4, 2026 | Gillan-Myer Maureen A EVP, Chief Admin & HR Officer | Award | 2,562 | $0 |
| Mar 4, 2026 | Gillan-Myer Maureen A EVP, Chief Admin & HR Officer | Tax withheld | 943 | $56.5K |
| Mar 4, 2026 | Karaivanov Dimitar President & CEO | Tax withheld | 2,825 | $169.1K |
| Mar 4, 2026 | Abdo Michael N EVP and General Counsel | Tax withheld | 707 | $42.3K |
| Mar 4, 2026 | Karaivanov Dimitar President & CEO | Award | 5,224 | $0 |
| Mar 4, 2026 | Abdo Michael N EVP and General Counsel | Award | 1,948 | $0 |
| Mar 2, 2026 | Durkee Deresa Fischer SVP, Chief Accounting Officer | Tax withheld | 357 | $21.6K |
| Mar 2, 2026 | Karaivanov Dimitar President & CEO | Tax withheld | 2,501 | $151.4K |
| Mar 2, 2026 | Durkee Matthew K SVP, Chief Banking Officer | Tax withheld | 399 | $24.2K |
| Mar 2, 2026 | Abdo Michael N EVP and General Counsel | Tax withheld | 485 | $29.4K |
| Mar 2, 2026 | Gillan-Myer Maureen A EVP, Chief Admin & HR Officer | Tax withheld | 522 | $31.6K |
| Feb 4, 2026 | Whipple John F. Director | Option exercise | 4,246 | $161.4K |
| Feb 4, 2026 | Whipple John F. Director | Sale | 4,246 | $276.7K |
| Feb 3, 2026 | STEELE SALLY A Director | Option exercise | 4,000 | $92.2K |
| Feb 3, 2026 | STEELE SALLY A Director | Sale | 4,000 | $256.5K |
| Feb 3, 2026 | STICKELS ERIC Director | Sale | 2,000 | $129.5K |
| Jan 30, 2026 | Abdo Michael N EVP and General Counsel | Tax withheld | 1,763 | $110.1K |
| Jan 30, 2026 | Abdo Michael N EVP and General Counsel | Option exercise | 2,287 | $87.0K |
| Dec 29, 2025 | Gillan-Myer Maureen A EVP, Chief Admin & HR Officer | Sale | 3,450 | $203.1K |
| Dec 16, 2025 | Parente John Director | Tax withheld | 2,683 | $161.5K |
| Dec 16, 2025 | Parente John Director | Option exercise | 4,246 | $161.4K |
| Dec 1, 2025 | Whipple John F. Director | Option exercise | 1,370 | — |
| Aug 27, 2025 | LEVY JEFFREY M SVP & Chief Banking Officer | Sale | 1,440 | $88.4K |
| May 2, 2025 | Wlos Marya Burgio EVP & Chief Financial Officer | Award | 2,266 | $0 |
| Apr 15, 2025 | STEELE SALLY A Director | Option exercise | 1,181 | $0 |
| Apr 14, 2025 | Knauss Jeffery J Director | Option exercise | 12 | $0 |
| Apr 14, 2025 | Parente John Director | Option exercise | 12 | $0 |
| Apr 14, 2025 | Bolus Mark J. Director | Option exercise | 12 | $0 |
| Apr 14, 2025 | STICKELS ERIC Director | Option exercise | 3 | $0 |
| Mar 19, 2025 | Parente John Director | Option exercise | 1,430 | $0 |
| Mar 19, 2025 | Knauss Jeffery J Director | Option exercise | 1,430 | $0 |
| Mar 19, 2025 | Bolus Mark J. Director | Option exercise | 1,430 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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