---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-22-110801"
form_type: "8-K"
ticker: "CBU"
cik: "0000723188"
company_name: "COMMUNITY FINANCIAL SYSTEM, INC."
filed_at: "2022-10-24T23:59:59+00:00"
generated_at: "2026-06-23T01:46:13.807277+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CBU Q3 2022 EPS $0.90 (+8.4% YoY); record adjusted PPNR $1.25

## Summary
- GAAP and operating EPS of $0.90, up from $0.83 in Q3 2021; net income $48.7M.
- Net interest income $110.4M, +19.2% YoY; NIM expanded 29 bps to 3.03%.
- Loan growth of $398.9M (4.9% linked quarter) with increases in all five portfolios.
- Provision for credit losses of $5.1M vs $0.9M benefit YoY on loan growth and weaker forecast.
- Adjusted pre-tax pre-provision net revenue per share $1.25, a quarterly record, up 20.2% YoY.

## SEC filing metadata
- accession: 0001104659-22-110801
- form_type: 8-K
- ticker: CBU
- cik: 0000723188
- company_name: COMMUNITY FINANCIAL SYSTEM, INC.
- filed_at: 2022-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/723188/000110465922110801/0001104659-22-110801-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723188/000110465922110801/tm2228760d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-22-110801
- JSON: https://secwatch.observer/filing/0001104659-22-110801.json
- Plain text: https://secwatch.observer/filing/0001104659-22-110801.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.