Community Bank

CBU

Market cap $3.05B

Community Financial System continues to benefit from an expanding net interest margin, driving strong operating leverage and earnings growth. Asset repricing should support further NIM and net interest income expansion, with significant upside from maturing low-yield securities. Credit quality hasn't shown any signs of deterioration, with net charge-offs still low and delinquencies stable.

SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Bank, N.A. Completes Acquisition of Seven Former Santander Bank, N.A. Branches in Allentown, Pennsylvania Area.

Community Financial System, Inc. (NYSE:CBU ) Q3 2025 Earnings Call October 21, 2025 11:00 AM EDT Company Participants Dimitar Karaivanov - President, CEO & Director Marya Wlos - Executive VP & CFO Conference Call Participants Stephen Moss Christopher O'Connell - Keefe, Bruyette, & Woods, Inc., Research Division David Konrad - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Good day, and welcome to the Community Financial Systems Inc.'s Third Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note that this event is being recorded, and discussion may contain forward-looking statements within the provisions of the Private Securities Litigation Reform Act of 1995 that are based on current expectations estimates and projections about the industry, markets and economic environment in which the company operates.

Although the revenue and EPS for Community Financial (CBU) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Community Financial System (CBU) came out with quarterly earnings of $1.04 per share, beating the Zacks Consensus Estimate of $1.03 per share. This compares to earnings of $0.83 per share a year ago.

SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Reports Third Quarter 2025 Results.

SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Announces Quarterly Dividend.

Although most of the US banking sector traded down in September, the Big Four banks bucked the trend, propping up the market-cap weighted index. Each of the four US banks with more than $1 trillion in total assets as of June 30 posted positive total returns in September.

SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System Announces Third Quarter 2025 Earnings Conference Call.

SYRACUSE, N.Y.--(BUSINESS WIRE)--Community Financial System, Inc. Appoints John A. Vaccaro as New Independent Director.