Education
About Us
Working with TipRanks
Follow Us
Community Bank System (CBU)
NYSE:CBU
Earnings Data
Report Date
Apr 27, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.12Last Year’s EPS
0.98Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strong operational and revenue performance with record operating revenues, sustained net interest income expansion, healthy deposit and loan growth, high-return businesses, and strategic M&A progress (Santander branches and ClearPoint). These positives were balanced by rising noninterest expenses (including one-time acquisition and incentive items), planned investments that pressured certain businesses (employee benefit services), higher projected credit provisions for 2026, and a higher effective state tax rate that will weigh on margins. Management emphasized expense management and automation as priorities for 2026 and provided quantified guidance for growth and expense ranges.Company Guidance
Record Operating Revenues and Strong Operating EPS
Total operating revenues reached a record $215.6 million in Q4 2025. Operating earnings per share were $1.12 in Q4, and operating PPNR per share hit $1.58, an increase of $0.18 year-over-year.
Solid Operating Earnings and Organic Investment Progress
Company delivered 16% operating earnings growth in 2025 while making the largest organic growth investments in company history, maintaining flat share count for the year despite meaningful inorganic activity.
Banking Business: Margin Expansion and Asset Growth
Banking operating income grew 22% for the full year. Net interest income in Q4 was $133.4 million, up $13.5 million or 11.2% versus 2024 and $5.3 million or 4.1% versus Q3. Fully tax-equivalent net interest margin expanded 6 basis points to 3.39% driven by lower funding costs.
Deposit and Loan Growth
Ending loans increased $199.5 million or 1.9% quarter-over-quarter and $517.4 million or 5% year-over-year. Total ending deposits increased $945.4 million or 7% year-over-year and $330.2 million or 2.3% quarter-over-quarter, including $543.7 million assumed from the Santander branch acquisition.
Strong Performance in Non-Banking Businesses
Insurance services delivered top-line growth of 8% and operating income growth of 42% for 2025. Wealth management pretax income increased 15%, and employee benefit services showed a 10% quarter-over-quarter improvement in pretax income (Q4 vs Q3). Pretax tangible returns: 61% (employee benefit services), 39% (wealth management), 26% (banking & corporate).
Operational Efficiency and Automation Gains
Company reported automation savings of over 200,000 employee hours during the past three years, enabling roughly flat headcount while growing the business.
M&A and Strategic Expansion
Integrated seven Santander branches in the Lehigh Valley during Q4, opened 15 new branches across the footprint in 2025 (with de novo footings ~ $100 million at year-end), and announced the ClearPoint acquisition to expand trust administration revenue and nationwide capabilities.
CBU Earnings History
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 |
|---|---|---|---|
Jan 27, 2026 | $61.77 | $61.46 | -0.50% |
Oct 21, 2025 | $55.61 | $55.74 | +0.23% |
Jul 22, 2025 | $57.02 | $54.90 | -3.72% |
Apr 29, 2025 | $54.34 | $53.22 | -2.06% |
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 Apr 27, 2026, Before Open (Confirmed).
What is Community Bank System (CBU) earnings time?
Community Bank System (CBU) earnings time is at Apr 27, 2026, 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 2026 (Q1) is 1.12.