Here's What Key Metrics Tell Us About Community Financial (CBU) Q2 Earnings

Financial Performance - Community Financial System reported revenue of $200.14 million for the quarter ended June 2025, reflecting an 8.3% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $0.97, up from $0.95 in the same quarter last year [1] - The reported revenue was below the Zacks Consensus Estimate of $203.07 million, resulting in a revenue surprise of -1.44% [1] - The company experienced an EPS surprise of -5.83%, with the consensus EPS estimate being $1.03 [1] Key Metrics - The efficiency ratio (GAAP) was reported at 64.8%, higher than the estimated 61.9% [4] - Net Interest Margin remained stable at 3.3%, matching the average estimate [4] - Average balances of total interest-earning assets were $15.29 billion, slightly below the estimated $15.38 billion [4] - Net charge-offs as a percentage of average loans were 0.2%, consistent with the average estimate [4] - Total Non-Interest Income was reported at $74.51 million, below the average estimate of $77.3 million [4] - Fully tax-equivalent net interest income was $125.63 million, slightly below the average estimate of $125.75 million [4] Stock Performance - Community Financial shares returned +3.8% over the past month, compared to a +5.9% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]