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Community Financial System (CBU) investor relations material
Community Financial System Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Achieved record operating earnings per share, up 23.9% year-over-year, with strong, diversified revenue growth and continued market share gains across all business lines.
Net income for Q3 2025 was $55.1 million ($1.04 per share), with operating net income at $58.1 million ($1.09 per share), both up year-over-year and sequentially, marking a second consecutive quarter of record operating EPS.
All four business segments—banking, employee benefit services, insurance, and wealth management—contributed to revenue and core operating performance growth.
Recognized nationally for excellence in employee benefits, insurance, wealth management, and banking, reflecting deep talent and capabilities.
Deployed approximately $100 million in capital year-to-date, focusing on high-return, strategic investments in insurance, benefits, wealth, and banking.
Financial highlights
GAAP EPS of $1.04, up 25.3% year-over-year and 7.2% sequentially; operating EPS of $1.09, up from $0.88 a year ago.
Total operating revenues reached a record $206.8 million, up 9.4% year-over-year and 3.8% sequentially; total revenues were $207.1 million, up 9.6% year-over-year and 3.9% sequentially.
Net interest income was $128.2 million, up 13.7% year-over-year and 2.7% sequentially, marking the sixth consecutive quarter of growth.
Noninterest revenues accounted for 38.1% of total revenues, with growth in all major fee-based lines.
Return on assets was 1.30% (operating: 1.38%), and return on equity was 11.62% (operating: 12.25%).
Outlook and guidance
Expect continued loan and deposit growth, with pipelines at record levels and guidance for 4%-5% annual loan growth intact.
Anticipate margin expansion in Q4, aided by Santander branch acquisition and stable/lower funding costs.
Project incremental Q4 expenses of ~$1 million due to charitable contributions and compensation adjustments.
Deposit costs expected to trend down as market rates decline; de novo expansion not materially impacting aggregate costs.
Management remains focused on organic growth, efficiency, and scaling diversified business lines.
Capital allocation strategy by business.
Loan growth strategy amid market competition.
Investment portfolio cash flow redeployment plan?
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Next Community Financial System earnings date
Q4 202520 Jan, 2026
Next Community Financial System earnings date
Q4 202520 Jan, 2026
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Frequently asked questions
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A., a savings bank that provides various banking and other financial services to retail, commercial, and municipal customers. The company offers checking accounts, NOW accounts, money market deposit accounts, savings accounts, certificates of deposit, Individual Retirement Accounts, interest-earning checking accounts, as well as consumer loans; and securities brokerage services.
It also provides non-retail checking services; merchant services; mailbox rentals; automatic teller machines: electronic certificates of deposit; cash management and treasury management services; personal financial planning services; and specialized financial consulting services to individual customers. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
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