How Community Bank System (CBU) Makes Money: A Visual Guide
Community Bank System (CBU) generated $1.03B in revenue, earning $218.06M in net profit (21.3% margin). Its largest revenue source is Insurance Services (56.9% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, Community Bank System (CBU) generated revenue across 2 reportable product segments; the largest contributor was Insurance Services at 56.9%, followed by Wealth Management Services (43.1%).
Community Bank System (CBU) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
Community Bank System (CBU) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for Community Bank System (CBU) in TTM through Q1 2026.
Insurance Services
- Revenue
- $583.38M
- % of total
- 56.9%
Wealth Management Services
- Revenue
- $442.51M
- % of total
- 43.1%
Total
- Revenue
- $1.03B
- % of total
- 100%
| Segment | Revenue | % of total |
|---|---|---|
| Insurance Services | $583.38M | 56.9% |
| Wealth Management Services | $442.51M | 43.1% |
| Total | $1.03B | 100% |
Frequently asked questions
How does Community Bank System (CBU) make money?
Community Bank System (CBU) primarily makes money through Insurance Services, which accounts for 56.9% of total revenue. For TTM through Q1 2026, Community Bank System generated $1.03B in total revenue with a net profit margin of 21.3%.
What is Community Bank System (CBU) gross profit margin?
Community Bank System (CBU) reported a gross profit margin of 79.4% for TTM through Q1 2026, equivalent to $815.03M in gross profit. This means Community Bank System retains 79.4% of each revenue unit after direct costs of production.
What is Community Bank System (CBU) operating profit margin?
Community Bank System (CBU) reported an operating profit margin of 27.9% for TTM through Q1 2026, equivalent to $285.74M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Community Bank System (CBU) net profit margin?
Community Bank System (CBU) reported a net profit margin of 21.3% for TTM through Q1 2026, equivalent to $218.06M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Community Bank System (CBU) spend on capital expenditures?
Community Bank System (CBU) spent $84.64M on capital expenditures in TTM through Q1 2026 (8.3% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Community Bank System (CBU) free cash flow?
Community Bank System (CBU) generated $226.27M in free cash flow for TTM through Q1 2026 (22.1% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Community Bank System (CBU) effective tax rate?
Community Bank System (CBU) had an effective tax rate of 23.7% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are Community Bank System (CBU) main revenue segments?
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. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
Data & methodology
What is a Sankey diagram?
A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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