---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-069506"
form_type: "8-K"
ticker: "CBU"
cik: "0000723188"
company_name: "COMMUNITY FINANCIAL SYSTEM, INC."
filed_at: "2025-07-22T23:59:59+00:00"
generated_at: "2026-05-18T04:43:23.891260+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001104659-25-069506
- form_type: 8-K
- ticker: CBU
- cik: 0000723188
- company_name: COMMUNITY FINANCIAL SYSTEM, INC.
- filed_at: 2025-07-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/723188/000110465925069506/0001104659-25-069506-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/723188/000110465925069506/tm2521368d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-069506
- JSON: https://secwatch.observer/filing/0001104659-25-069506.json
- Plain text: https://secwatch.observer/filing/0001104659-25-069506.txt

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