---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-110432"
form_type: "8-K"
ticker: "CBU"
cik: "0000723188"
company_name: "COMMUNITY FINANCIAL SYSTEM, INC."
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T11:56:35.514767+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Community Financial System Q3 EPS $0.83, revenue record $188.9M; loans up 2.3% QoQ

## Summary
- Net income $43.9M ($0.83 diluted EPS), up $0.01 YoY but down $0.08 from Q2.
- Total revenue $188.9M (record), up 7.7% YoY and 2.8% QoQ; net interest income $112.7M (record).
- Financial services revenues $55.8M (record), up 11.4% YoY.
- Loans $10.25B (+2.3% QoQ, +8.5% YoY); deposits $13.48B (+2.6% QoQ, +3.4% YoY).
- Tier 1 leverage ratio 9.12%, well above well-capitalized standard of 5.0%.

## SEC filing metadata
- accession: 0001104659-24-110432
- form_type: 8-K
- ticker: CBU
- cik: 0000723188
- company_name: COMMUNITY FINANCIAL SYSTEM, INC.
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/723188/000110465924110432/0001104659-24-110432-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723188/000110465924110432/tm2426598d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-110432
- JSON: https://secwatch.observer/filing/0001104659-24-110432.json
- Plain text: https://secwatch.observer/filing/0001104659-24-110432.txt

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