Flash FinanceUS
Market open S&P 5007,376.86+0.31% Nasdaq24,579.42+1.09% Dow 3051,285.73-0.46% Russell 20002,754.11+0.89% Nasdaq-10026,989.99+1.35% MidCap 4003,602.50+0.56% SmallCap 6001,673.98+0.05% VIX25.64-9.01% 10Y Yield4.86+0.45% Close of Nov 06, 2026
AI brief of an SEC Form 8-K · Community Bank System (CBU)

Community Financial System Q3 net income $55.1 million, EPS $1.04 up 25.3%

Positive Impact 3 of 5 earnings Written later

Community Financial System reported third quarter 2025 net income of $55.1 million, or $1.04 per share, up from $43.9 million, or $0.83 per share, a year earlier. Total revenues rose 9.6% year over year to $207.1 million, and the company said operating diluted EPS of $1.09 was a second consecutive quarterly record. For shareholders, the filing shows higher earnings and revenue compared with both the prior year and the prior quarter.

Key points

  • Net income $55.1 million, or $1.04 per share, versus $43.9 million, or $0.83 per share, in Q3 2024
  • Operating diluted EPS of $1.09, up from $0.88 a year earlier and $1.04 in Q2 2025
  • Total revenues of $207.1 million, up 9.6% from $188.9 million in Q3 2024
  • Quarterly dividend of $0.47 per share declared; Santander branch acquisition expected to close November 7, 2025

The filing

CompanyCommunity Bank System (CBU)
Form8-K, current report
Filed with the SECOct 21, 2025, 10:30 AM ET
Accession number0001104659-25-101075

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:38 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 21, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.