Community Financial System (CBU) reported $224.05 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 12%. EPS of $1.16 for the same period compares to $0.97 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $222.08 million, representing a surprise of +0.89%. The company delivered an EPS surprise of -2.52%, with the consensus EPS estimate being $1.19.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Community Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

  • Efficiency ratio (GAAP): 61.7% compared to the 60.7% average estimate based on three analysts.
  • Net Interest Margin: 3.5% compared to the 3.5% average estimate based on three analysts.
  • Average Balances - Total interest-earning assets: $16.11 billion versus $16.17 billion estimated by three analysts on average.
  • Net charge-offs/average loans: 0.1% versus the two-analyst average estimate of 0.1%.
  • Mortgage banking: $1.19 million versus the three-analyst average estimate of $1.38 million.
  • Total Non-Interest Income: $84.01 million versus $81.77 million estimated by three analysts on average.
  • Employee benefit services: $34.88 million versus $35.38 million estimated by two analysts on average.
  • Insurance services: $13.2 million compared to the $15.23 million average estimate based on two analysts.
  • Wealth management services: $10.4 million compared to the $9.33 million average estimate based on two analysts.
  • Deposit service and other banking fees: $20.1 million versus the two-analyst average estimate of $20.98 million.
  • Fully tax-equivalent net interest income: $140.04 million compared to the $140.11 million average estimate based on two analysts.
  • Net Interest Income: $139.14 million versus $140.27 million estimated by two analysts on average.

View all Key Company Metrics for Community Financial here>>>

Shares of Community Financial have returned -0.3% over the past month versus the Zacks S&P 500 composite's +1.7% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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Community Financial System, Inc. (CBU): Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

Zacks Investment Research