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Net Profit Margin for Community Bank System (CBU)

As of · Reported

Metric

TTM

21.3%

YoY change

+1.42pp

Trough year (1990)

3.2%

Peak year (2021)

29.9%

Net Profit Margin history chart for Community Bank System (CBU) from 1989 to 2025

Latest: 20.8%

Net Profit Margin change chart for Community Bank System (CBU) from 1989 to 2025

Latest: +1.42pp

Net Profit Margin history table for Community Bank System (CBU) from 1989 to 2025

  • 202520.8%+1.42pp
  • 202419.4%+1.95pp
  • 202317.5%-9.32pp
  • 202226.8%-3.16pp
  • 202129.9%+3.26pp
  • 202026.7%-0.75pp
  • 201927.4%-1.29pp
  • 201828.7%+0.39pp
  • 201728.3%+4.79pp
  • 201623.6%-0.27pp
  • 201523.8%-0.52pp
  • 201424.3%+6.97pp
  • 201317.4%-2.87pp
  • 201220.2%-0.05pp
  • 201120.3%+1.52pp
  • 201018.8%+6.31pp
  • 200912.5%-1.69pp
  • 200814.2%+0.31pp
  • 200713.9%+0.21pp
  • 200613.6%-4.49pp
  • 200518.1%-1.37pp
  • 200419.5%+1.67pp
  • 200317.8%+1.62pp
  • 200216.2%+7.69pp
  • 20018.5%-3.18pp
  • 200011.7%-1.14pp
  • 199912.8%+1.63pp
  • 199811.2%-0.83pp
  • 199712.0%-1.18pp
  • 199613.2%+0.45pp
  • 199512.8%-2.36pp
  • 199415.1%-1.02pp
  • 199316.2%+3.95pp
  • 199212.2%+6.42pp
  • 19915.8%+2.56pp
  • 19903.2%-4.06pp
  • 19897.3%—

Net Profit Margin values are taken from Community Bank System's reported income statements (quarterly 10-Q and annual 10-K filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the filing date. YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.

About Net Profit Margin at Community Bank System (CBU)

According to Community Bank System's latest reported financial statements, the company's latest reported net margin is 21.3%. Net profit margin is net income divided by revenue — the bottom-line share of each sales dollar that remains after all costs, including operating expenses, interest, and taxes. It is the most comprehensive profitability ratio, though it can swing on one-off items, so read it alongside the multi-year trend below.

Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .

2025's annual net margin for Community Bank System (CBU) came in at 20.82% – expanded 1.4 percentage points year-over-year.

The record annual net margin stands at 29.94%, reached in 2021; the historical low of 3.23% was recorded in 1990.

Community Bank System Net Profit Margin by Year

Community Bank System Net Profit Margin 2025: 20.8%

2025's net margin for Community Bank System came in at 20.82%, expanded 1.4 percentage points from 2024.

Community Bank System Net Profit Margin 2024: 19.4%

Community Bank System posted net margin of 19.40% in 2024, expanded 1.9 percentage points from 2023.

Community Bank System Net Profit Margin 2023: 17.5%

In 2023, Community Bank System reported net margin of 17.45%, contracted 9.3 percentage points from 2022.

Community Bank System Net Profit Margin 2022: 26.8%

Community Bank System net margin in 2022 was 26.77%, contracted 3.2 percentage points from 2021.

Community Bank System Net Profit Margin 2021: 29.9%

Community Bank System net margin in 2021 was 29.94%.

See more financial history for Community Bank System (CBU).

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