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Community Bank System (CBU)
NYSE:CBU
Earnings Data
Report Date
Jul 28, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.01Last Year’s EPS
0.9Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 29, 2025
|% Change Since: 2.16%
|Next Earnings Date:Jul 28, 2025
Earnings Call Sentiment|Positive
The company's first quarter earnings call highlighted strong revenue and net interest income growth, bolstered by significant performance in the insurance services segment. However, there were challenges with increasing nonperforming loans and stagnation in loan growth, coupled with rising noninterest expenses. Despite these lowlights, the financial performance and growth in key areas indicate a positive outlook.Company Guidance
During the first quarter of 2025, Community Bank System, Inc. reported a solid performance, with GAAP earnings per share increasing by 22% year-over-year to $0.93, while operating earnings per share also rose to $0.98 from $0.82 in the previous year. The company's operating return on assets was 1.28%, and operating pretax pre-provision net revenue (PPNR) per share increased by 18.6% on a year-over-year basis, reaching $1.40. Total operating revenues rose by 10.6% to $196 million, with net interest income contributing $120.2 million, marking a 12% improvement from the first quarter of 2024. The bank's net interest margin increased slightly to 3.24% from the previous quarter's 3.20%. Community Bank System's diversified business model supported growth across its banking, insurance, and employee benefit services, with insurance services notably achieving a 27.8% revenue increase. Despite challenges such as seasonal slowdowns and competitive pressures, the company maintained a strong liquidity position, with sources of liquidity totaling $5.9 billion, and a robust loan-to-deposit ratio of 75%. While nonperforming loans rose slightly, the company's allowance for credit losses increased to $82.8 million, representing over seven times the trailing twelve-month net charge-offs. Looking ahead, the company remains confident in its revenue growth potential, supported by strong capital reserves and a stable core deposit base.Strong Revenue Growth
The company recorded total operating revenues of $196 million in the first quarter, up $18.7 million or 10.6% from one year prior. This quarter established quarterly highs for net interest income and insurance services revenues.
Improvement in Net Interest Income
The company's net interest income was $120.2 million in the first quarter, a $13.2 million or 12% improvement over the first quarter of 2024, marking the fourth consecutive quarter of net interest income expansion.
Insurance Services Performance
Insurance services revenues were up $3.1 million or 27.8% over the prior year's first quarter, driven by contingent commissions and recent acquisitions.
Record Operating PPNR
Operating PPNR per share was up 18.6% on a year-over-year basis, reaching $1.40, consistent on a linked quarter basis.
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CBU Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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CBU Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 29, 2025 | $55.65 | $54.50 | -2.07% |
| Jan 21, 2025 | $62.74 | $64.79 | +3.27% |
| Oct 22, 2024 | $57.97 | $56.95 | -1.76% |
| Jul 23, 2024 | $58.01 | $60.02 | +3.46% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Community Bank System (CBU) report earnings?
Community Bank System (CBU) is schdueled to report earning on Jul 28, 2025, TBA Not Confirmed.
What is Community Bank System (CBU) earnings time?
Community Bank System (CBU) earnings time is at Jul 28, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CBU EPS forecast?
CBU EPS forecast for the fiscal quarter 2025 (Q2) is 1.01.
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