Community Bank System, Inc.
CBU
Rank in Stocks
#4743
Community Bank System, Inc. (CBU) serves as the parent company for Community... Community Bank System, Inc. (CBU) serves as the parent company for Community Bank, N.A., providing a broad array of banking and financial services to a diverse clientele including individual consumers, businesses, and local government entities. Its operations are structured into three primary divisions: Banking, Employee Benefit Services, and a residual "All Other" category. The company offers a comprehensive suite of deposit products, such as checking, savings, and money market accounts, alongside certificates of deposit. Its lending portfolio is equally varied, extending to consumer mortgages, personal installment loans, and lines of credit for individuals, as well as home equity products. For commercial clients, Community Bank System provides general purpose commercial and industrial loans, mortgages on commercial properties, and historically, Paycheck Protection Program loans. Additionally, it facilitates specialized installment loans for vehicles like automobiles, boats, and other recreational vehicles through partnerships with selected dealerships. Beyond traditional banking, the institution delivers broker-dealer and investment advisory services, along with extensive cash management, treasury, and asset management solutions. It also operates a full-service insurance agency, offering personal and commercial lines of insurance and various risk management products. The Employee Benefit Services segment provides a robust offering, including administration for contribution plans, employee benefit trusts, and collective investment funds. This segment also handles retirement plan administration, fund administration, transfer agency functions, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting. Furthermore, Community Bank System provides comprehensive wealth management services, covering retirement, higher education, and personal financial planning. It offers fiduciary and trust services, risk management advice, and access to diverse investment alternatives such as stocks, bonds, mutual funds, and advisory products, alongside master recordkeeping services. As of January 24, 2022, the company operated approximately 215 customer facilities geographically spread across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and maintains its corporate headquarters in DeWitt, New York.
Share Price
$60.27
Last synced: 2026-10-16
Market Cap
$3.17B
Change (1 day)
0.93%
Change (1 year)
8.33%
Country
US
Trade Community Bank System, Inc. (CBU)
Category
Financial Services
Operating Margin for Community Bank System, Inc. (CBU)
Operating Margin as of October 2026 TTM: 28.71%
According to Community Bank System, Inc. latest financial reports and stock price the company's current Operating Margin (TTM) is 28.71%. At the end of 2024 the company had an Operating Margin of 25.16%.
Operating Margin history for Community Bank System, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 28.71% | -8.57% |
| 2025 | 31.40% | 24.80% |
| 2024 | 25.16% | 13.08% |
| 2023 | 22.25% | -34.96% |
| 2022 | 34.21% | -10.19% |
| 2021 | 38.09% | 14.11% |
| 2020 | 33.38% | -1.71% |
| 2019 | 33.96% | -6.39% |
| 2018 | 36.28% | 20.61% |
| 2017 | 30.08% | -14.23% |
| 2016 | 35.07% | 1.56% |
| 2015 | 34.53% | -0.09% |
| 2014 | 34.56% | 41.23% |
| 2013 | 24.47% | -14.38% |
| 2012 | 28.58% | -0.52% |
| 2011 | 28.73% | 12.10% |
| 2010 | 25.63% | 60.49% |
| 2009 | 15.97% | -8.64% |
| 2008 | 17.48% | 19.73% |
| 2007 | 14.60% | -18.39% |
| 2006 | 17.89% | -26.92% |
| 2005 | 24.48% | -5.77% |
| 2004 | 25.98% | 10.65% |
| 2003 | 23.48% | 6.39% |
| 2002 | 22.07% | 83.61% |
| 2001 | 12.02% | -26.75% |
| 2000 | 16.41% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
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What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.