---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-040800"
form_type: "8-K"
ticker: "CBU"
cik: "0000723188"
company_name: "COMMUNITY FINANCIAL SYSTEM, INC."
filed_at: "2025-04-29T23:59:59+00:00"
generated_at: "2026-05-23T04:23:40.444357+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-25-040800
- form_type: 8-K
- ticker: CBU
- cik: 0000723188
- company_name: COMMUNITY FINANCIAL SYSTEM, INC.
- filed_at: 2025-04-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/723188/000110465925040800/0001104659-25-040800-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723188/000110465925040800/tm2513425d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-040800
- JSON: https://secwatch.observer/filing/0001104659-25-040800.json
- Plain text: https://secwatch.observer/filing/0001104659-25-040800.txt

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