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Community Financial System
Community Financial System (CBU) investor relations material
Community Financial System Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved 16% operating earnings growth in 2025, with robust revenue across all business lines and significant organic growth investments.
Net income for Q4 2025 was $54.4M ($1.03/share), up from $49.8M ($0.94/share) in Q4 2024; full-year net income was $210.5M ($3.97/share).
Record operating earnings per share of $1.12 in Q4, up from $1.00 a year prior, and $1.09 in Q3; full-year operating net income was $225.1M ($4.24/share).
Integrated 7 Santander branches and opened 15 new branches, accelerating retail strategy and expanding market presence.
Announced agreement to acquire ClearPoint Federal Bank & Trust, expanding wealth management and trust administration capabilities.
Financial highlights
Q4 operating revenues reached a record $215.6 million, up 10% year-over-year and 4.2% sequentially; total revenues for Q4 2025 were $215.5M, up 9.8% year-over-year.
Net interest income was $133.4 million, up 11.2% year-over-year and 4.1% from Q3, marking the seventh consecutive quarter of expansion; net interest margin rose to 3.39%.
Noninterest revenues set a quarterly record at $82.0M, representing 38% of total revenues; operating non-interest revenues rose 8% year-over-year, including a $1.6 million one-time income distribution.
Total assets at year-end were $17.30B, up 5.6% from a year ago; ending loans grew 5% year-over-year; total deposits increased 7% year-over-year, with $543.7 million from Santander acquisition.
Total noninterest expenses increased 10.4% year-over-year to $138.5M, mainly due to higher salaries, acquisition, and technology costs.
Outlook and guidance
2026 guidance: 3.5%–6% loan growth, 2%–3% deposit growth, 8%–12% net interest income growth, 4%–8% non-interest revenue growth.
Provision for credit losses expected at $20–$25 million; non-interest expenses projected at $535–$550 million, up 4%–7% from 2025.
Effective tax rate anticipated at 23%–24%; Q1 2026 non-interest expenses expected to be seasonally higher.
Management expects continued strong earnings growth in 2026, supported by recent acquisitions and expansion initiatives.
Capital allocation strategy for highest returns
Quantify AI/automation impact on 2026 expenses
ClearPoint's niche market growth strategy
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Next Community Financial System earnings date
Q1 202628 Apr, 2026
Community Financial System
Next Community Financial System earnings date
Q1 202628 Apr, 2026
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Frequently asked questions
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A., a savings bank that provides various banking and other financial services to retail, commercial, and municipal customers. The company offers checking accounts, NOW accounts, money market deposit accounts, savings accounts, certificates of deposit, Individual Retirement Accounts, interest-earning checking accounts, as well as consumer loans; and securities brokerage services.
It also provides non-retail checking services; merchant services; mailbox rentals; automatic teller machines: electronic certificates of deposit; cash management and treasury management services; personal financial planning services; and specialized financial consulting services to individual customers. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
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