Community Bank System, Inc. (CBU)
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Community Financial System, Inc. (CBU) Q2 2025 Earnings Call Transcript
Community Financial System, Inc. (NYSE:CBU ) Q2 2025 Earnings Conference Call July 22, 2025 11:00 AM ET Company Participants Dimitar Karaivanov - President, CEO & Director Marya Wlos - Executive VP & CFO Conference Call Participants Sharanjit Cheema - D.A. Davidson & Co., Research Division Matthew Breese - Stephens Inc., Research Division David Konrad - Keefe, Bruyette, & Woods, Inc., Research Division Operator Good day, and welcome to the Community Financial Systems, Inc.'s Second Quarter 2025 Earnings Conference Call.
Here's What Key Metrics Tell Us About Community Financial (CBU) Q2 Earnings
Although the revenue and EPS for Community Financial (CBU) give a sense of how its business performed in the quarter ended June 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Community Financial System (CBU) Misses Q2 Earnings and Revenue Estimates
Community Financial System (CBU) came out with quarterly earnings of $0.97 per share, missing the Zacks Consensus Estimate of $1.03 per share. This compares to earnings of $0.95 per share a year ago.
Community Bank System, Inc. Dividends
| CBU In 1 month Announced | Quarterly | $0.47 Per Share |
| CBU 1 month ago Paid | Quarterly | $0.46 Per Share |
| CBU 4 months ago Paid | Quarterly | $0.46 Per Share |
| CBU 7 months ago Paid | Quarterly | $0.46 Per Share |
| CBU 10 months ago Paid | Quarterly | $0.46 Per Share |
Community Bank System, Inc. Earnings
| 28 Oct 2025 (In 3 months) Date | | 1.03 Cons. EPS | - EPS |
| 21 Oct 2025 (In 2 months) Date | | 1.04 Cons. EPS | - EPS |
| 20 Oct 2025 (In 2 months) Date | | 1.04 Cons. EPS | - EPS |
| 22 Jul 2025 Date | | 1.01 Cons. EPS | 0.99 EPS |
| 21 Jul 2025 Date | | - Cons. EPS | - EPS |
| CBU In 1 month Announced | Quarterly | $0.47 Per Share |
| CBU 1 month ago Paid | Quarterly | $0.46 Per Share |
| CBU 4 months ago Paid | Quarterly | $0.46 Per Share |
| CBU 7 months ago Paid | Quarterly | $0.46 Per Share |
| CBU 10 months ago Paid | Quarterly | $0.46 Per Share |
| 28 Oct 2025 (In 3 months) Date | | 1.03 Cons. EPS | - EPS |
| 21 Oct 2025 (In 2 months) Date | | 1.04 Cons. EPS | - EPS |
| 20 Oct 2025 (In 2 months) Date | | 1.04 Cons. EPS | - EPS |
| 22 Jul 2025 Date | | 1.01 Cons. EPS | 0.99 EPS |
| 21 Jul 2025 Date | | - Cons. EPS | - EPS |
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Community Bank System, Inc. Profile
| Banks - Regional Industry | Financial Services Sector | Dimitar A. Karaivanov CEO | NYSE Exchange | 203607106 Cusip |
| US Country | 2,730 Employees | 12 Sep 2025 Last Dividend | 13 Apr 2004 Last Split | 27 Nov 1985 IPO Date |
Overview
Community Bank System, Inc., founded in 1866 and based in DeWitt, New York, serves as a holding company for Community Bank, N.A. It provides an extensive range of banking and financial services to various customer types including retail, commercial, institutional, and municipal clients. The operations of the company are organized into three primary segments: Banking, Employee Benefit Services, and All Other. Through its diverse offering, it seeks to meet the needs of its clients by providing tailored financial solutions and services.
Products and Services
- Deposit Products:
The company offers an array of deposit products to cater to the varying needs of its clients. These include both interest and noninterest-bearing checking accounts, savings and money market deposit accounts, along with time deposits. Such a variety ensures that individuals and entities find the right options for their liquidity needs and financial management strategies.
- Loan Services:
Community Bank System, Inc. provides various loan products, including consumer mortgages, general purpose commercial and industrial loans, and commercial property mortgages. It also engages in paycheck protection program loans, offering financial support to businesses during challenging times. For consumers, it provides installment loans through selected dealerships secured by automobiles, marine, and other recreational vehicles, as well as personal installment loans and lines of credit, enhancing personal and vehicle financing options.
- Employee Benefit Services:
It delivers a comprehensive range of services tailored to employee benefits, including contribution plan administration, retirement plan administration, benefit consulting, fund administration, transfer agency services, and more. These services aim to assist employers in managing and optimizing their employee benefits programs efficiently.
- Insurance and Risk Management:
Operating as a full-service insurance agency, the company provides both personal and commercial lines of insurance and other risk management products and services. This allows clients to safeguard their assets and manage risks associated with their personal and business ventures effectively.
- Investment and Wealth Management:
Investment advisory, cash management, investment, and treasury services are offered, alongside asset management services, to help clients grow and manage their wealth. The company provides wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services. Additionally, it offers investment alternatives such as stocks, bonds, mutual funds, and insurance and advisory products, catering to the diversified investment needs of its clients.
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