How does Community Bank System (CBU) make money?

Community Bank System (CBU) generates revenue primarily from Insurance Services, which accounted for 56.9% of total revenue in TTM through Q1 2026. The company reported $1.03B in revenue and converted 21.3% of it into net profit, equivalent to roughly $218.06M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Community Bank System (CBU)?

Community Bank System (CBU) reported a gross profit margin of 79.4% in TTM through Q1 2026, equivalent to $815.03M in gross profit on $1.03B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Community Bank System (CBU)?

Community Bank System (CBU) reported an operating profit margin of 27.9% in TTM through Q1 2026, equivalent to $285.74M in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Community Bank System (CBU)?

Community Bank System (CBU) reported a net profit margin of 21.3% in TTM through Q1 2026, equivalent to $218.06M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Community Bank System (CBU) profitable?

Yes. Community Bank System (CBU) reported $218.06M in net income for TTM through Q1 2026, with a net profit margin of 21.3%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Community Bank System (CBU) spend on capital expenditures?

Community Bank System (CBU) spent $84.64M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 8.3% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Community Bank System (CBU) generate?

Community Bank System (CBU) generated $226.27M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 22.1%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Community Bank System (CBU)?

Community Bank System (CBU) had an effective tax rate of 23.7% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Community Bank System (CBU)?

Community Bank System (CBU) reports revenue across 2 reportable product segments, led by Insurance Services at 56.9% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Community Bank System Makes Money: 2026 Visual Revenue Map

Community Bank System (CBU) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 8, 2026).

Community Bank System discloses geographic revenue only in annual filings. to view the full breakdown.

Community Bank System (CBU) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Community Bank System (CBU) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Insurance Services	$583.38M	56.9%
Wealth Management Services	$442.51M	43.1%
Total	$1.03B	100%

Insurance Services$583.38M
Wealth Management Services$442.51M
Total$1.03B

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, Community Bank System (CBU) reports revenue across 2 operating segments; the largest segment was Insurance Services at 56.9%, followed by Wealth Management Services (43.1%).

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