Community Financial System, Inc. (CBU) Reports Strong Q2 2025 Growth

By Hao Liu • Tuesday, July 22 15:36 • Permanent Link

Community Financial System, Inc. (NYSE: CBU) has reported its second quarter 2025 results, showcasing notable growth and performance. Here are the key highlights:

Net income reached $51.3 million, or $0.97 per share, marking an increase of $0.06 per share from the previous year's second quarter and a $0.04 per share increase from the first quarter of 2025.
Operating net income stood at $55.4 million, or $1.04 per share, showing a $0.09 per share increase from the prior year’s second quarter and a $0.06 per share increase from the first quarter of 2025.
Total revenues hit $199.3 million, setting a new quarterly record for the company. This represents an increase of $15.5 million, or 8.4%, from the prior year’s second quarter and a $3.0 million, or 1.5%, increase from the first quarter of 2025.
Net interest income amounted to $124.7 million, another new quarterly record for the company, reflecting a $15.3 million, or 14.0%, increase from the prior year’s second quarter and a $4.5 million, or 3.8%, increase from the first quarter of 2025.
Total non-bank financial services (employee benefit services, insurance services, and wealth management services) noninterest revenues reached $54.5 million. This represents a $0.3 million, or 0.6%, increase from the prior year’s second quarter and a $2.2 million, or 3.9%, decrease from the first quarter of 2025.
Operating pre-tax, pre-provision net revenue (“PPNR”) stood at $75.1 million, or $1.41 per share, showing an increase of $0.12 per share from the prior year’s second quarter and a $0.01 per share increase from the first quarter of 2025.
Total ending loans were reported at $10.52 billion, marking an increase of $98.0 million, or 0.9%, from the end of the first quarter of 2025 and a $495.3 million, or 4.9%, increase from the end of the prior year’s second quarter.
Total ending deposits amounted to $13.70 billion, representing a decrease of $190.3 million, or 1.4%, from the end of the first quarter of 2025 and an increase of $563.9 million, or 4.3%, from the end of the prior year’s second quarter.

These figures demonstrate the company's strong financial performance and growth trajectory in the second quarter of 2025. Following these announcements, the company's shares moved -3.25%, and are now trading at a price of $56.04. If you want to know more, read the company's complete 8-K report here.

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