Community Financial System to Announce Q4 Earnings on January 27
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 3d ago
0mins
Source: seekingalpha
- 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.
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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: 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
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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.
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