---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-004767"
form_type: "8-K"
ticker: "CBU"
cik: "0000723188"
company_name: "COMMUNITY FINANCIAL SYSTEM, INC."
filed_at: "2025-01-21T23:59:59+00:00"
generated_at: "2026-05-27T22:38:49.904261+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CBU Q4 net income $49.8M ($0.94/share); record total revenues $196.3M, up 10.9% YoY

## Summary
- Q4 net income $49.8M ($0.94 EPS) vs $0.63 EPS in Q4 2023; full-year net income $182.5M ($3.44 EPS) up $0.99/share YoY.
- Q4 total revenues $196.3M (record), up 10.9% YoY; net interest income $120.0M (record), up 9.9% YoY.
- Financial services noninterest revenues $56.0M (record), up 13.1% YoY; full-year financial services revenues $217.9M, up 10.6%.
- Loans $10.43B, up 7.5% YoY; deposits $13.44B, up 4.0% YoY; Tier 1 leverage ratio 9.19% well above 5.0% standard.
- Operating PPNR $74.3M ($1.40/share) in Q4, up $0.27/share YoY; operating net income $52.9M ($1.00/share).

## SEC filing metadata
- accession: 0001104659-25-004767
- form_type: 8-K
- ticker: CBU
- cik: 0000723188
- company_name: COMMUNITY FINANCIAL SYSTEM, INC.
- filed_at: 2025-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/723188/000110465925004767/0001104659-25-004767-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723188/000110465925004767/tm253890d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-004767
- JSON: https://secwatch.observer/filing/0001104659-25-004767.json
- Plain text: https://secwatch.observer/filing/0001104659-25-004767.txt

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