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CBU · Community Financial System, Inc.

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$65.11 -0.73 (-1.11%) At close · Aug 17
Market Cap
$3.44B
Shares
52.62M

Community Financial System, Inc. Earnings Call Transcripts

Every quarterly earnings call for Community Financial System, Inc. (CBU) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.

Revenue & result across quarters

Revenue Net income YoY up YoY down artefacts
· $200,000 $48.69M '22 Q3 22-10-24 · $678.55M $52.53M '22 Q4 23-01-24 · $177.28M $40.87M '24 Q1 24-04-23 · $183.80M $47.91M '24 Q2 24-07-23 · $188.94M $43.90M '24 Q3 24-10-22 · $196.29M $49.79M '24 Q4 25-01-21 ▲10.7% $196.25M $49.61M '25 Q1 25-04-29 ▲8.4% $199.26M $51.33M '25 Q2 25-07-22 ▲9.6% $207.05M $55.09M '25 Q3 25-10-21 ▲9.8% $215.45M $54.42M '25 Q4 26-01-27 ▲8.7% $213.29M $57.22M '26 Q1 26-04-29 LATEST ▲12% $223.16M $61.33M '26 Q2 26-07-28
Earnings call
FY26 · Q2
2026-07-28
Second Quarter 2026 Earnings Conference Call
Revenue
$223.16M
▲ 12% YoY
Diluted EPS
$1.16
▲ 19.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2026-04-29
Community Financial System, Inc. Q1 FY2026 Earnings Call
Confident tone Capital deployment and share repurchase Organic growth and market share Net interest income and margin
Revenue
$213.29M
▲ 8.7% YoY
Diluted EPS
$1.08
▲ 16.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-01-27
Community Financial System, Inc. Q4 FY2025 Earnings Call
Confident tone Banking business performance and expansion Capital deployment and acquisitions (ClearPoint, LEAP) Employee benefit services turnaround
Revenue
$215.45M*
▲ 9.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-10-21
Community Financial System, Inc. Q3 FY2025 Earnings Call
Confident tone Net interest margin and loan growth Diversified fee businesses (insurance, benefits, wealth) Capital deployment and acquisitions
Revenue
$207.05M
▲ 9.6% YoY
Diluted EPS
$1.04
▲ 25.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-07-22
Community Financial System, Inc. Q2 FY2025 Earnings Call
Confident tone Branch acquisition Net interest income expansion Credit quality
Revenue
$199.26M
▲ 8.4% YoY
Diluted EPS
$0.97
▲ 6.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-04-29
Community Financial System, Inc. Q1 FY2025 Earnings Call
Positive tone Loan growth and pipelines Credit quality and competition Employee benefit and wealth management (market-sensitive)
Revenue
$196.25M
▲ 10.7% YoY
Diluted EPS
$0.93
▲ 22.4% YoY
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-01-21
Community Financial System, Inc. Q4 FY2024 Earnings Call
Confident tone Net interest margin and funding Credit quality Liquidity and balance sheet strength
Revenue
$196.29M*
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-10-22
Community Financial System, Inc. Q3 FY2024 Earnings Call
Confident tone Net Interest Income and Margin Expansion Diversified Noninterest Revenue Businesses M&A Pipeline
Revenue
$188.94M
Diluted EPS
$0.83
▲ 1.2% YoY
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-07-23
Community Financial System, Inc. Q2 FY2024 Earnings Call
Confident tone Loan and Deposit Growth Diversified Revenue Mix and Non-Banking Businesses Net Interest Income and Margin Expansion
Revenue
$183.80M
Diluted EPS
$0.91
▲ 2.2% YoY
Rev · 5q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-23
Community Financial System, Inc. Q1 FY2024 Earnings Call
Positive tone Employee Benefit Services Wealth Management and Insurance Loan growth and funding
Revenue
$177.28M
Diluted EPS
$0.76
▲ 590.9% YoY
Rev · 4q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-01-23
Community Financial System, Inc. Q4 FY2023 Earnings Call
Positive tone Net interest margin Diversified business performance Loan growth
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-10-24
Community Financial System, Inc. Q3 FY2023 Earnings Call
Diluted EPS
$0.82
▼ 8.9% YoY
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-07-31
Community Financial System, Inc. Q2 FY2023 Earnings Call
Diluted EPS
$0.89
▲ 21.9% YoY
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-04-25
Community Financial System, Inc. Q1 FY2023 Earnings Call
Diluted EPS
$0.11
▼ 87.2% YoY
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-01-24
Community Financial System, Inc. Q4 FY2022 Earnings Call
Revenue
$678.55M*
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-10-24
Community Financial System, Inc. Q3 FY2022 Earnings Call
Revenue
$200,000
Diluted EPS
$0.90
▲ 8.4% YoY
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-07-25
Community Financial System, Inc. Q2 FY2022 Earnings Call
Revenue
$300,000
Diluted EPS
$0.73
▼ 17% YoY
Rev · 2q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-04-25
Community Financial System, Inc. Q1 FY2022 Earnings Call
Revenue
$300,000
Diluted EPS
$0.86
▼ 11.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-01-24
Community Financial System, Inc. Q4 FY2021 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-10-25
Community Financial System, Inc. Q3 FY2021 Earnings Call
Diluted EPS
$0.83
▲ 5.1% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-07-26
Community Financial System, Inc. Q2 FY2021 Earnings Call
Diluted EPS
$0.88
▲ 33.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-04-26
Community Financial System, Inc. Q1 FY2021 Earnings Call
Diluted EPS
$0.97
▲ 27.6% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-01-25
Community Financial System, Inc. Q4 FY2020 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-10-26
Community Financial System, Inc. Q3 FY2020 Earnings Call
Diluted EPS
$0.79
▲ 5.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-07-27
Community Financial System, Inc. Q2 FY2020 Earnings Call
Diluted EPS
$0.66
▼ 23.3% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-04-20
Community Financial System, Inc. Q1 FY2020 Earnings Call
Diluted EPS
$0.76
▼ 5% YoY
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-01-22
Community Financial System, Inc. Q4 FY2019 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Showing 1–27 of 27 earnings calls
Key facts CIK 723188 CUSIP 203607106 13F (30d) 248 filings 246 filers Visit website Investor relations

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