Community Financial (CBU) Reports Q4 Earnings: What Key Metrics Have to Say

Core Insights - Community Financial System (CBU) reported revenue of $216.33 million for Q4 2025, a year-over-year increase of 9.7% and an EPS of $1.07 compared to $0.94 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $213.34 million by 1.4%, while the EPS fell short of the consensus estimate of $1.13 by 5.31% [1] Financial Performance Metrics - Efficiency ratio (GAAP) was reported at 64.3%, higher than the estimated 61.2% by analysts [4] - Net Interest Margin remained stable at 3.4%, matching analyst estimates [4] - Total interest-earning assets averaged $15.72 billion, slightly below the estimated $15.9 billion [4] - Net charge-offs/average loans were reported at 0.1%, consistent with analyst estimates [4] - Fully tax-equivalent net interest income was $134.3 million, slightly above the estimated $134.11 million [4] - Total Non-Interest Income reached $82.03 million, exceeding the average estimate of $79.23 million [4] - Employee benefit services generated $36.56 million, above the estimated $35.72 million [4] - Insurance services reported $12.68 million, slightly below the estimated $12.76 million [4] - Wealth management services brought in $9.57 million, close to the estimated $9.59 million [4] - Mortgage banking income was $0.39 million, significantly lower than the estimated $0.94 million [4] - Deposit service and other banking fees totaled $23.21 million, surpassing the estimated $20.14 million [4] Stock Performance - Community Financial shares have returned +5% over the past month, outperforming the Zacks S&P 500 composite's +0.4% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]