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Community Financial System CBU Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$215.6MBeat by $2.7M
EPS$1.07Miss by $0.06
Revenue estimate$212.8M
EPS estimate$1.13

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$226.8M
EPS estimate$1.20

Financials

Q4 2025

Income statement

See full
Revenue$215.5M+9.8%
Net income$54.4M+9.3%
EPS (diluted)$1.03+9.6%

Balance sheet

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Cash & equivalents$301.8M+53.2%
Total debt$755.0M-28.5%
Total equity$2.0B+13.8%
Total assets$17.3B+5.6%

Cash flow

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Operating cash flow$84.6M+28.7%
CapEx$23.0M+219%
Free cash flow$61.6M+5.2%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$3.02B-6.7%
Enterprise value$3.48B-15.2%
P/E14.4×-3.4×
P/S3.7×-0.6×

Profitability

See full
Net margin25.7%+1.3pp
FCF margin28.5%-1.2pp

Returns & leverage

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Return on equity11.2%+0.6pp
Debt / equity0.4×-0.2×

Segments

By segment

See full
Banking And Corporate Services$156.6M+12.2%
Employee Benefit Services$38.4M+7.9%
Insurance Services$12.5M+1.9%
Wealth Management Services$10.2M-1.7%

FAQ

When did Community Financial System report Q4 2025 earnings?
Community Financial System (CBU) reported Q4 2025 earnings on January 27, 2026 before market open.
What were Community Financial System's Q4 2025 revenue and EPS?
Community Financial System reported revenue of $215.6M and eps of $1.07 for Q4 2025.
Did Community Financial System beat estimates in Q4 2025?
Revenue beat the consensus estimate of $212.8M by $2.7M. EPS missed the consensus estimate of $1.13 by $0.06.
Where can I find Community Financial System's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-006834) and the 10-K periodic report (0001104659-26-021651) directly on SEC EDGAR. The filing index links above go to sec.gov.