Community Financial System (CBU) reported $216.33 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 9.7%. EPS of $1.07 for the same period compares to $0.94 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $213.34 million, representing a surprise of +1.4%. The company delivered an EPS surprise of -5.31%, with the consensus EPS estimate being $1.13.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Community Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio (GAAP): 64.3% versus 61.2% estimated by three analysts on average.
- Net Interest Margin: 3.4% versus 3.4% estimated by three analysts on average.
- Average Balances - Total interest-earning assets: $15.72 billion versus the three-analyst average estimate of $15.9 billion.
- Net charge-offs/average loans: 0.1% versus the two-analyst average estimate of 0.1%.
- Fully tax-equivalent net interest income: $134.3 million versus $134.11 million estimated by three analysts on average.
- Total Non-Interest Income: $82.03 million compared to the $79.23 million average estimate based on three analysts.
- Employee benefit services: $36.56 million compared to the $35.72 million average estimate based on two analysts.
- Insurance services: $12.68 million compared to the $12.76 million average estimate based on two analysts.
- Wealth management services: $9.57 million compared to the $9.59 million average estimate based on two analysts.
- Mortgage banking: $0.39 million versus $0.94 million estimated by two analysts on average.
- Deposit service and other banking fees: $23.21 million compared to the $20.14 million average estimate based on two analysts.
View all Key Company Metrics for Community Financial here>>>
Shares of Community Financial have returned +5% over the past month versus the Zacks S&P 500 composite's +0.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
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Community Financial System, Inc. (CBU): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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