Community Financial System Reports Q4 and Full Year 2025 Results
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 2d ago
0mins
Source: Businesswire
- 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.
Discover Tomorrow's Bullish Stocks Today
Receive free daily stock recommendations and professional analysis to optimize your portfolio's potential.
Sign up now to unlock expert insights and stay one step ahead of the market trends.
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: 61.080
Low
62.00
Averages
67.00
High
73.00
Current: 61.080
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
Continue Reading
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.
Continue Reading