Community Financial System Inc
CBU
ISIN null / Valor 920108
Community Financial System Inc
UMushroom community rating:
About company
Community Bank System, Inc., headquartered in DeWitt, NY, is a comprehensive financial services entity with a portfolio exceeding $15 billion in assets. The company operates primarily through four key divisions: banking, benefits administration, insurance services, and wealth management. Its banking arm, Community Bank, N.A., ranks among the top 100 largest banks in the United States, serving customers through over 200 facilities spread across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. The bank provides a wide array of services including retail, business, and municipal banking, alongside financial planning, trust administration, and wealth management through its Community Bank Wealth Management unit. Additionally, Community Bank System extends its expertise to employee benefits administration and actuarial consulting nationally via its Benefit Plans Administrative Services, Inc. subsidiary. Furthermore, its OneGroup NY, Inc. subsidiary is recognized among the top 100 U.S. insurance agencies, offering a broad spectrum of personal and commercial insurance and risk management services. The company is publicly traded on the New York Stock Exchange under the ticker symbol CBU.
Summarized from source with an LLMView SourceSector: FinanceLatest Results (19.05.2026):
Community Financial System, Inc. reported second quarter 2025 results showing record quarterly revenues and net interest income, with net income of $51.3 million ($0.97 per share) and operating net income of $55.4 million ($1.04 per share). Total revenues reached a quarterly record $199.3 million, while operating pre-tax, pre-provision net revenue (PPNR) was $75.1 million ($1.41 per share). Loans and deposits were higher year-over-year, though deposits fell modestly versus the prior quarter.
Profitability
Net income was $51.3 million, or $0.97 per share — up $0.06 per share year-over-year and $0.04 sequentially. Operating net income (a non-GAAP measure) was $55.4 million, or $1.04 per share, up $0.09 year-over-year and $0.06 sequentially.
Revenue performance
Total revenues hit a record $199.3 million, an 8.4% increase versus Q2 2024 and a 1.5% rise from Q1 2025.
Net interest income
Net interest income was a quarterly record $124.7 million, up 14.0% year-over-year and up 3.8% sequentially, driving the revenue gains.
Non-bank financial services
Total non-bank financial services noninterest revenue (employee benefit services, insurance, wealth management) was $54.5 million — essentially flat year-over-year (+0.6%) but down 3.9% from Q1 2025.
Operating PPNR
Operating pre-tax, pre-provision net revenue was $75.1 million, or $1.41 per share — a modest increase both year-over-year (+$0.12 per share) and sequentially (+$0.01 per share). Note: PPNR is a non-GAAP measure; see the supplement for reconciliations.
Balance sheet trends
Total loans ended at $10.52 billion, up $495.3 million (4.9%) year-over-year and $98.0 million (0.9%) sequentially. Total deposits were $13.70 billion, up $563.9 million (4.3%) year-over-year but down $190.3 million (1.4%) from Q1 2025.
Investor access
Management hosted a conference call on July 22, 2025 (replay available on the company site) and the earnings supplement contains detailed GAAP-to-non-GAAP reconciliations and additional tables.
Summarized from source with an LLMView SourceKey figures
Performance
Volatility
3404 M
Market cap (USD)
246,958
Daily traded volume (Shares)
62.38 / 61.52
1 day high/low (USD)
52 weeks high/low (USD)
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