CBU Community Bank System margins

Relative Growth: Rel. Growth: 69

Relative Strength: Rel. Strength: 52

Relative Valuation: Rel. Valuation: 69

Relative Profitability: Rel. Profitability: 83

Gross margin

100%

Operating margin

35.9%

EBITDA margin

40.2%

Net margin

27.2%

The Community Bank System shows a gross margin of 100%, an operating margin of 35.9%, an EBITDA margin of 40.2%, and a net margin of 27.2%. EBITDA margin improved by 3.1 percentage points, while other available margins were stable.

CBU margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Community Bank System's margins averaged 100% gross, 32.55% operating, 36.58% EBITDA, and 25.08% net. Currently, operating, EBITDA, and net margins are above their three-year averages.

CBU margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 2.6 percentage points, EBITDA margin by 3.1 percentage points, and net margin by 1.5 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

2.6pp

EBITDA margin expansion

3.1pp

Net margin expansion

1.5pp

CBU Gross margin

Throughout the last 3 years, Community Bank System had an average gross margin of 100%. Currently, Community Bank System's current gross margin is 100%, which is in line with its three-year average. Looking back over the last 3 years, Community Bank System's gross margin reached 100% at its highest point in Jun 2026 and 100% at its lowest in Dec 2023.

CBU Operating margin

Across the last 3 years, Community Bank System recorded an average operating margin of 32.55%. The current operating margin stands at 35.9%, 3.4 percentage points above its three-year average. The highest operating margin for Community Bank System was 35.9% in Jun 2026, while the lowest was 26.2% in Dec 2023.

CBU EBITDA margin

Community Bank System recorded an average EBITDA margin of 36.58% across the last 3 years. Community Bank System currently reports an EBITDA margin of 40.2%, 3.6 percentage points above its three-year average. During this period, EBITDA margin reached a high of 40.2% in Jun 2026 and a low of 30.7% in Dec 2023.

CBU Net margin

Over the last 3 years, Community Bank System's net margin averaged 25.08%. At present, Community Bank System's current net margin is 27.2%, which is 2.1 percentage points above its three-year average. During this period, net margin reached a high of 27.2% in Jun 2026 and a low of 20.6% in Dec 2023.

CBU margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, CBU ranks higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.7%, Community Bank System's gross margin is 19% higher.

CBU margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Community Bank System's gross margin?

As of Jun 30, 2026, CBU has a gross margin of 100%.

What is Community Bank System's operating margin?

The current operating margin for CBU is 35.9% as of Jun 30, 2026.

What is Community Bank System's EBITDA margin?

The current EBITDA margin for CBU is 40.2% as of Jun 30, 2026.

What is Community Bank System's net margin?

For the period ending Jun 30, 2026, CBU recorded a net margin of 27.2%.

What are the average margins of CBU?

Community Bank System's gross, operating, EBITDA, and net margins averaged 100.0% gross, 32.6% operating, 36.6% EBITDA, and 25.1% net over the last 3 years.

What are the highest historical margins of CBU?

Within the 5-year period, CBU recorded its highest margins at 100% gross in Jun 2026, 38.3% operating in Dec 2021, 43.1% EBITDA in Dec 2021, and 30.1% net in Dec 2021.

What are the lowest historical margins of CBU?

Community Bank System's lowest recorded margins during the past 5 years were 100% gross in Dec 2021, 26.2% operating in Dec 2023, 30.7% EBITDA in Dec 2023, and 20.6% net in Dec 2023.