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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Community Financial System (CBU) investor relations material
Community Financial System Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 rose 7.1% year-over-year to $51.3M ($0.97 per share), with operating net income at $55.4M ($1.04 per share), both up sequentially and year-over-year.
Record operating results per share, driven by strong net interest income and core funding growth; consumer lending showed robust momentum into Q3.
Commercial banking balances affected by repayments and resolution of nonperforming assets, but pipeline remains strong for Q3 recovery.
Announced acquisition of seven branches in Pennsylvania, expected to close in Q4, enhancing strategic market presence and liquidity.
Asset quality remains strong, with low delinquency and nonperforming loan ratios compared to industry averages.
Financial highlights
GAAP EPS of $0.97, up 6.6% year-over-year and 4.3% sequentially; operating EPS reached $1.04, up from $0.95 year-over-year and $0.98 sequentially.
Total operating revenues hit a record $199.3M, up 8.8% year-over-year and 1.7% sequentially.
Net interest income set a record at $124.7M, up 14% year-over-year and 3.8% sequentially.
Noninterest revenues for Q2 2025 were $74.5M, up 0.2% year-over-year; YTD noninterest revenues increased 4.1%.
Provision for credit losses was $4.1M, down from $6.7M in Q1 but up from $2.7M year-over-year.
Outlook and guidance
Expecting strong Q3 performance to realign with growth targets, supported by a robust lending pipeline.
Loan growth for the year projected at 4%+, with mid-single digit growth targeted across portfolios.
Net interest margin expansion expected in the 3–5 basis point range per quarter.
Management expects continued organic loan and deposit growth, with a focus on business non-real estate lending.
Liquidity and capital positions remain strong, supporting future expansion and risk management.
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Next Community Financial System earnings date
Q3 202521 Oct, 2025
Next Community Financial System earnings date
Q3 202521 Oct, 2025
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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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