CBU Q2 2025: Net income $51.3M ($0.97), record revenues $199.3M, up 8.4% YoY

COMMUNITY FINANCIAL SYSTEM, INC.

2025-Q2 EPS reported $1.90 vs consensus $1.02 ▲ beat (+86.3%)

Net income $51.3M ($0.97 diluted EPS), up $0.06 YoY; operating net income $55.4M ($1.04 per share).
Total revenues $199.3M (new record), up 8.4% YoY; net interest income $124.7M (record), up 14.0% YoY.
Total loans $10.52B, up 4.9% YoY; total deposits $13.70B, up 4.3% YoY.
Operating pre-tax, pre-provision net revenue $75.1M ($1.41 per share), up $0.12 YoY.

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