How Community Bank System (CBU) Makes Money: A Visual Guide
Community Bank System (CBU) generated $928.71M in revenue (TTM through Q4 2025), earning $210.46M in net profit (22.7% margin). Its largest revenue source is Insurance Services (58% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
Community Bank System (CBU) Income Statement Flow
Frequently asked questions
How does Community Bank System (CBU) make money?
- Community Bank System (CBU) primarily makes money through Insurance Services, which accounts for 58% of total revenue. For TTM through Q4 2025, Community Bank System generated $928.71M in total revenue with a net profit margin of 22.7%.
What is Community Bank System (CBU) gross profit margin?
- Community Bank System (CBU) reported a gross profit margin of 73.4% for TTM through Q4 2025, equivalent to $682.00M in gross profit. This means Community Bank System retains 73.4% 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 31.4% for TTM through Q4 2025, equivalent to $291.65M 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 22.7% for TTM through Q4 2025, equivalent to $210.46M 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 $83.93M on capital expenditures in TTM through Q4 2025 (9.0% 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 $217.93M in free cash flow for TTM through Q4 2025 (23.5% 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 23.6% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.
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.
When was this data last updated?
- Based on company filings through TTM through Q4 2025.
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