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Community Financial System CBU Q1 2025 earnings

Reported April 29, 2025 · Before market open

Revenue$196.2MMiss by $6.7M
EPS$0.93Beat by $0.02
Revenue estimate$203.0M
EPS estimate$0.91

Next report

Oct 27, 2026 (In 3 weeks)
Revenue estimate$227.0M
EPS estimate$1.19

Financials

Q1 2025

Income statement

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Revenue$196.2M+10.7%
Net income$49.6M+21.4%
EPS (diluted)$0.93+22.4%

Balance sheet

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Cash & equivalents$518.0M+53.1%
Total debt$586.2M+48.6%
Total equity$1.8B+10.7%
Total assets$16.8B+5.7%

Cash flow

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Operating cash flow$62.5M-21.8%
CapEx$10.6M+312%
Free cash flow$52.0M-32.8%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$3B+17.3%
Enterprise value$3.07B+17.4%
P/E15.7×+0.4×
P/S3.9×+0.3×

Profitability

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Net margin25%+1.3pp
FCF margin25.6%-4.7pp

Returns & leverage

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Return on equity11%+0.8pp
Debt / equity0.3×+0.1×

Segments

By segment

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Banking And Corporate Services$138.9M+11.3%
Employee Benefit Services$34.1M+2.8%
Insurance Services$14.3M+27.9%
Wealth Management Services$10.5M+7.4%

FAQ

When did Community Financial System report Q1 2025 earnings?
Community Financial System (CBU) reported Q1 2025 earnings on April 29, 2025 before market open.
What were Community Financial System's Q1 2025 revenue and EPS?
Community Financial System reported revenue of $196.2M and eps of $0.93 for Q1 2025.
Did Community Financial System beat estimates in Q1 2025?
Revenue missed the consensus estimate of $203.0M by $6.7M. EPS beat the consensus estimate of $0.91 by $0.02.
Where can I find Community Financial System's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001104659-25-040800) and the 10-Q periodic report (0001410578-25-001170) directly on SEC EDGAR. The filing index links above go to sec.gov.