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Operating Margin for Community Bank System (CBU)

As of · Reported

Metric

TTM

27.9%

YoY change

+2.08pp

Trough year (1990)

4.5%

Peak year (2021)

38.1%

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

Latest: 27.2%

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

Latest: +2.08pp

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

  • 202527.2%+2.08pp
  • 202425.2%+2.91pp
  • 202322.3%-11.96pp
  • 202234.2%-3.88pp
  • 202138.1%+4.70pp
  • 202033.4%-0.58pp
  • 201934.0%-2.31pp
  • 201836.3%+6.20pp
  • 201730.1%-5.00pp
  • 201635.1%+0.54pp
  • 201534.5%-0.03pp
  • 201434.6%+10.09pp
  • 201324.5%-4.11pp
  • 201228.6%-0.15pp
  • 201128.7%+3.11pp
  • 201025.6%+9.66pp
  • 200916.0%-1.51pp
  • 200817.5%+2.88pp
  • 200714.6%-3.29pp
  • 200617.9%-6.59pp
  • 200524.5%-1.51pp
  • 200426.0%+2.50pp
  • 200323.5%+1.41pp
  • 200222.1%+10.05pp
  • 200112.0%-4.39pp
  • 200016.4%-1.56pp
  • 199918.0%+0.54pp
  • 199817.4%-1.41pp
  • 199718.8%-3.48pp
  • 199622.3%+1.33pp
  • 199521.0%-3.59pp
  • 199424.6%-1.34pp
  • 199325.9%+8.66pp
  • 199217.3%+9.44pp
  • 19917.8%+3.36pp
  • 19904.5%-4.94pp
  • 19899.4%—

Operating 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 Operating Margin at Community Bank System (CBU)

According to Community Bank System's latest reported financial statements, the company's latest reported operating margin is 27.9%. Operating margin is operating income divided by revenue — the share of each sales dollar left after cost of goods sold and operating expenses (SG&A, R&D), but before interest and taxes. It isolates how profitable the core business is before financing and tax decisions, so it is comparable across companies with different capital structures.

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

As of the 2025 fiscal year, Community Bank System (CBU) reported operating margin of 27.24% – expanded 2.1 percentage points year-over-year.

38.09% stands as the all-time-high annual operating margin, posted in 2021, against a low of 4.46% during 1990.

Community Bank System Operating Margin by Year

Community Bank System Operating Margin 2025: 27.2%

2025's operating margin for Community Bank System came in at 27.24%, expanded 2.1 percentage points from 2024.

Community Bank System Operating Margin 2024: 25.2%

Community Bank System posted operating margin of 25.16% in 2024, expanded 2.9 percentage points from 2023.

Community Bank System Operating Margin 2023: 22.3%

In 2023, Community Bank System reported operating margin of 22.25%, contracted 12.0 percentage points from 2022.

Community Bank System Operating Margin 2022: 34.2%

Community Bank System operating margin in 2022 was 34.21%, contracted 3.9 percentage points from 2021.

Community Bank System Operating Margin 2021: 38.1%

Community Bank System operating margin in 2021 was 38.09%.

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

Sector peers by Operating Margin

Financial Services peers of Community Bank System (CBU), ranked by their latest operating margin

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