Community Financial System (CBU) reported $197.14 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 10.6%. EPS of $0.93 for the same period compares to $0.82 a year ago.
The reported revenue represents a surprise of -0.20% over the Zacks Consensus Estimate of $197.54 million. With the consensus EPS estimate being $0.91, the EPS surprise was +2.20%.
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.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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): 63.8% compared to the 65.2% average estimate based on three analysts.
- Net Interest Margin: 3.2% compared to the 3.2% average estimate based on three analysts.
- Average Balances - Total interest-earning assets: $15.17 billion versus $15.16 billion estimated by three analysts on average.
- Net charge-offs/average loans: 0.1% versus the two-analyst average estimate of 0.1%.
- Fully tax-equivalent net interest income: $121.11 million compared to the $121.13 million average estimate based on three analysts.
- Total Non-Interest Income: $76.04 million versus the three-analyst average estimate of $76.43 million.
- Employee benefit services: $32.62 million versus the two-analyst average estimate of $34.53 million.
- Insurance services: $14.20 million versus the two-analyst average estimate of $11.96 million.
- Wealth management services: $9.86 million versus the two-analyst average estimate of $9.92 million.
- Mortgage banking: $1 million versus $0.73 million estimated by two analysts on average.
- Deposit service and other banking fees: $18.11 million compared to the $19.26 million average estimate based on two analysts.
View all Key Company Metrics for Community Financial here>>>
Shares of Community Financial have returned -2.1% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with 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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