Community Financial (CBU) Reports Q1 Earnings: What Key Metrics Have to Say

Core Insights - Community Financial System (CBU) reported revenue of $197.14 million for Q1 2025, marking a year-over-year increase of 10.6% and an EPS of $0.93 compared to $0.82 a year ago, with a slight revenue surprise of -0.20% against the Zacks Consensus Estimate of $197.54 million and an EPS surprise of +2.20% over the consensus estimate of $0.91 [1] Financial Performance Metrics - The efficiency ratio (GAAP) was reported at 63.8%, better than the average estimate of 65.2% from three analysts [4] - The net interest margin stood at 3.2%, matching the average estimate from three analysts [4] - Total interest-earning assets averaged $15.17 billion, slightly above the estimated $15.16 billion [4] - Net charge-offs as a percentage of average loans were 0.1%, aligning with the two-analyst average estimate [4] - Fully tax-equivalent net interest income was $121.11 million, close to the average estimate of $121.13 million [4] - Total non-interest income was $76.04 million, below the average estimate of $76.43 million [4] - Employee benefit services generated $32.62 million, lower than the two-analyst average estimate of $34.53 million [4] - Insurance services reported $14.20 million, exceeding the two-analyst average estimate of $11.96 million [4] - Wealth management services brought in $9.86 million, slightly below the two-analyst average estimate of $9.92 million [4] - Mortgage banking income was $1 million, surpassing the average estimate of $0.73 million from two analysts [4] - Deposit service and other banking fees totaled $18.11 million, compared to the average estimate of $19.26 million from two analysts [4] Stock Performance - Community Financial's shares have returned -2.1% over the past month, compared to a -0.8% change in the Zacks S&P 500 composite, with a current Zacks Rank of 3 (Hold), indicating potential performance in line with the broader market [3]