Company Reports Q4 Revenue of $215.45M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 27 2026
0mins
Should l Buy CBU?
Reports Q4 revenue $215.45M, consensus $213.19M.
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Analyst Views on CBU
Wall Street analysts forecast CBU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CBU is 67.00 USD with a low forecast of 62.00 USD and a high forecast of 73.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 65.390
Low
62.00
Averages
67.00
High
73.00
Current: 65.390
Low
62.00
Averages
67.00
High
73.00
About CBU
Community Financial System, Inc. is a diversified financial services company that is focused on four main business lines, such as banking, employee benefit services, insurance services and wealth management services. The Company’s banking subsidiary, Community Bank, N.A. (CBNA), operates approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. CBNA provides a wide array of lending and depository-related products and services. The Company’s Benefit Plans Administrative Services, Inc. subsidiary is a provider of employee benefits administration, trust services, collective investment fund administration, and actuarial consulting services to customers on a national scale. The Company’s OneGroup NY, Inc. subsidiary is a United States insurance agency. The Company also offers comprehensive financial planning, trust administration and wealth management services through its Wealth Management operating unit.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Community Bank (CBU) Earnings Call Transcript
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Community Financial System Q4 2025 Earnings Report
- Earnings Miss: Community Financial System reported a Q4 2025 non-GAAP EPS of $1.12, missing expectations by $0.01, indicating some pressure on profitability despite overall growth.
- Revenue Growth: The company achieved Q4 revenue of $215.45 million, a 9.8% year-over-year increase, surpassing market expectations by $2.26 million, reflecting a strong business growth trajectory.
- Net Interest Income Rise: Q4 net interest income reached $133.4 million, up $13.5 million or 11.2% from Q4 2024, showcasing the company's robust performance in interest income generation.
- Improved Net Interest Margin: The net interest margin for Q4 was 3.37%, up 20 basis points from Q4 2024, while the fully tax-equivalent net interest margin increased to 3.39%, indicating effective interest management strategies.
See More
Community Financial System Reports Q4 Profit Growth
- Profit Growth: Community Financial System's Q4 net profit reached $54.42 million, with earnings per share of $1.03, significantly up from $49.79 million and $0.94 per share last year, indicating improved profitability.
- Adjusted Earnings: Excluding items, the company reported adjusted earnings of $59.55 million or $1.12 per share, showcasing strong performance in its core business operations.
- Revenue Increase: The company's revenue rose 9.8% year-over-year to $215.45 million, compared to $196.29 million last year, reflecting sustained market demand.
- Market Impact: This growth in profit and revenue not only boosts investor confidence but also potentially provides funding for future expansion and investments, further solidifying the company's market position.
See More
Community Financial System Reports Q4 and Full Year 2025 Results
- Earnings Release: Community Financial System, Inc. (CBU) reported its fourth quarter and full year 2025 financial results, which are available on the company's investor relations website, indicating stable performance in its diversified financial services sector.
- Conference Call Scheduled: Management will host a conference call on January 27, 2026, at 11:00 a.m. (ET) to discuss the 2025 financial results, providing convenient access via webcast and dial-in options to enhance investor communication.
- Asset Scale: Community Bank, the company's subsidiary, boasts over $17 billion in assets and operates approximately 200 customer facilities, underscoring its significant position among the top 100 banks in the U.S. and reinforcing the company's market competitiveness.
- Diversified Business Lines: The company focuses on four main business lines: banking services, employee benefits, insurance, and wealth management, showcasing its comprehensive financial service capabilities nationwide, which enhances customer trust and reliance.
See More
Community Bank CBU Earnings Call Transcript
See More
Community Financial System to Announce Q4 Earnings on January 27
- Earnings Announcement: Community Financial System (CBU) is set to release its Q4 earnings on January 27 before market open, with a consensus EPS estimate of $1.13, reflecting a 13.0% year-over-year growth, indicating ongoing improvement in profitability.
- Revenue Expectations: The anticipated revenue for Q4 is $213.19 million, representing an 8.6% year-over-year increase, which underscores the company's robust growth and rising customer demand, further solidifying its market position.
- Historical Performance Review: Over the past two years, CBU has beaten EPS estimates 63% of the time and revenue estimates 38% of the time, demonstrating the company's reliability in meeting earnings forecasts and its adaptability in the market.
- Forecast Revisions: In the last three months, EPS estimates have seen three upward revisions with no downward adjustments, while revenue estimates have had one upward revision, reflecting increased analyst confidence in the company's future performance.
See More
Community Bank (CBU) Earnings Call Transcript
See More
Community Financial System Q4 2025 Earnings Report
- Earnings Miss: Community Financial System reported a Q4 2025 non-GAAP EPS of $1.12, missing expectations by $0.01, indicating some pressure on profitability despite overall growth.
- Revenue Growth: The company achieved Q4 revenue of $215.45 million, a 9.8% year-over-year increase, surpassing market expectations by $2.26 million, reflecting a strong business growth trajectory.
- Net Interest Income Rise: Q4 net interest income reached $133.4 million, up $13.5 million or 11.2% from Q4 2024, showcasing the company's robust performance in interest income generation.
- Improved Net Interest Margin: The net interest margin for Q4 was 3.37%, up 20 basis points from Q4 2024, while the fully tax-equivalent net interest margin increased to 3.39%, indicating effective interest management strategies.
See More
Community Financial System Reports Q4 Profit Growth
- Profit Growth: Community Financial System's Q4 net profit reached $54.42 million, with earnings per share of $1.03, significantly up from $49.79 million and $0.94 per share last year, indicating improved profitability.
- Adjusted Earnings: Excluding items, the company reported adjusted earnings of $59.55 million or $1.12 per share, showcasing strong performance in its core business operations.
- Revenue Increase: The company's revenue rose 9.8% year-over-year to $215.45 million, compared to $196.29 million last year, reflecting sustained market demand.
- Market Impact: This growth in profit and revenue not only boosts investor confidence but also potentially provides funding for future expansion and investments, further solidifying the company's market position.
See More
Community Financial System Reports Q4 and Full Year 2025 Results
- Earnings Release: Community Financial System, Inc. (CBU) reported its fourth quarter and full year 2025 financial results, which are available on the company's investor relations website, indicating stable performance in its diversified financial services sector.
- Conference Call Scheduled: Management will host a conference call on January 27, 2026, at 11:00 a.m. (ET) to discuss the 2025 financial results, providing convenient access via webcast and dial-in options to enhance investor communication.
- Asset Scale: Community Bank, the company's subsidiary, boasts over $17 billion in assets and operates approximately 200 customer facilities, underscoring its significant position among the top 100 banks in the U.S. and reinforcing the company's market competitiveness.
- Diversified Business Lines: The company focuses on four main business lines: banking services, employee benefits, insurance, and wealth management, showcasing its comprehensive financial service capabilities nationwide, which enhances customer trust and reliance.
See More
Community Bank CBU Earnings Call Transcript
See More
Community Financial System to Announce Q4 Earnings on January 27
- Earnings Announcement: Community Financial System (CBU) is set to release its Q4 earnings on January 27 before market open, with a consensus EPS estimate of $1.13, reflecting a 13.0% year-over-year growth, indicating ongoing improvement in profitability.
- Revenue Expectations: The anticipated revenue for Q4 is $213.19 million, representing an 8.6% year-over-year increase, which underscores the company's robust growth and rising customer demand, further solidifying its market position.
- Historical Performance Review: Over the past two years, CBU has beaten EPS estimates 63% of the time and revenue estimates 38% of the time, demonstrating the company's reliability in meeting earnings forecasts and its adaptability in the market.
- Forecast Revisions: In the last three months, EPS estimates have seen three upward revisions with no downward adjustments, while revenue estimates have had one upward revision, reflecting increased analyst confidence in the company's future performance.
See More
