The earnings call highlighted strong revenue growth, record operating results, and successful strategic initiatives such as a key branch acquisition. However, these positives were tempered by increased non-interest expenses and higher credit loss provisions. Despite these challenges, the company maintains a robust liquidity position and continues to see growth in insurance services.

Company Guidance -

Q3 2025

In the Community Bank System, Inc.'s second quarter 2025 earnings call, the company reported record operating results per share, with GAAP earnings per share of $0.97, up 6.6% from the prior year and 4.3% from the previous quarter. Operating earnings per share reached $1.04, a significant increase from both the previous quarter and the same period last year. Net interest income rose to $124.7 million, marking a 14% year-over-year increase, while the net interest margin improved by six basis points to 3.3%. Total operating revenues hit a quarterly high of $199.3 million, reflecting an 8.8% increase from the prior year. The company also reported a solid liquidity position with $5.9 billion in available sources, representing 246% of estimated uninsured deposits. The loan-to-deposit ratio stood at 76.8%, and the Tier 1 leverage ratio increased to 9.42%. The company announced a strategic acquisition of seven Santander branches, enhancing its retail growth strategy, with no share issuance required, thus preserving value for shareholders.

Record Operating Results and Revenue Growth

Operating earnings per share reached $1.04 in the second quarter, up from $0.95 a year prior, marking record quarterly results. Total operating revenues hit a new quarterly high of $199.3 million, up 8.8% from the previous year.

Net Interest Income Expansion

Net interest income for the second quarter was $124.7 million, a 14% increase over the previous year and the fifth consecutive quarter of growth.

Successful Branch Acquisition

Announcement of a branch acquisition that strengthens market presence with no asset issues or share issuance, expected to close in the fourth quarter.

Strong Insurance Services Performance

Insurance business revenue is up 13% year-to-date, with an operating margin increase to 23%, driving a 70% expansion in operating pretax earnings.

Robust Liquidity Position

Liquidity sources totaled $5.9 billion, or 246% of estimated uninsured deposits, with a loan-to-deposit ratio of 76.8%.

Community Bank System (CBU) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CBU Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 27, 2025	2025 (Q3)	1.04 / -	0.83	―	―	―
Jul 22, 2025	2025 (Q2)	1.01 / 1.04	0.9	15.56% (+0.14)	―
Apr 29, 2025	2025 (Q1)	0.91 / 0.98	0.76	28.95% (+0.22)	―
Jan 21, 2025	2024 (Q4)	0.90 / 0.94	0.8	17.50% (+0.14)	―
Oct 22, 2024	2024 (Q3)	0.88 / 0.83	0.82	1.22% (+0.01)
Jul 23, 2024	2024 (Q2)	0.81 / 0.90	0.95	-5.26% (-0.05)	―
Apr 23, 2024	2024 (Q1)	0.78 / 0.76	0.9	-15.56% (-0.14)	―
Jan 23, 2024	2023 (Q4)	0.84 / 0.80	1	-20.00% (-0.20)	―
Oct 24, 2023	2023 (Q3)	0.88 / 0.82	0.94	-12.77% (-0.12)	―
Jul 31, 2023	2023 (Q2)	0.85 / 0.95	0.89	6.74% (+0.06)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CBU Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$57.92	$55.77	-3.71%
Apr 29, 2025	$55.20	$54.06	-2.07%
Jan 21, 2025	$62.24	$64.27	+3.26%
Oct 22, 2024	$57.50	$56.49	-1.76%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Community Bank System (CBU) report earnings?

Community Bank System (CBU) is schdueled to report earning on Oct 27, 2025, Before Open (Confirmed).

What is Community Bank System (CBU) earnings time?

Community Bank System (CBU) earnings time is at Oct 27, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CBU EPS forecast?

CBU EPS forecast for the fiscal quarter 2025 (Q3) is 1.04.

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