Community Financial Q1 2025 net income $49.6M ($0.93 EPS); net interest income record $120.2M

COMMUNITY FINANCIAL SYSTEM, INC.

2025-Q1 EPS reported $0.93 revenue$196,248,000

GAAP EPS of $0.93, up $0.17 YoY; operating EPS $0.98, up $0.16 YoY.
Total revenues $196.2M, +10.7% YoY; net interest income record $120.2M (+12.4% YoY).
Non-bank financial services revenues record $56.7M, +9.0% YoY.
Loans $10.42B (+5.4% YoY); deposits $13.89B (+4.0% YoY).
Operating PPNR $1.40 per share, +$0.22 YoY.

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