COMMUNITY FINANCIAL SYSTEM, INC. (CBU) Form 8-K — Oct 27, 2026
Community Financial System (NYSE: CBU) reported Q3 2026 net income of $61.3 million, or $1.16 per share, with operating net income of $67.0 million, or $1.27 per share — a sixth consecutive quarter of record results. Operating EPS rose 16.5% year-over-year and 9.5% quarter-over-quarter, driven by record net interest income of $143.5 million (up 12.0% YoY), net interest margin expansion to 3.54%, and organic loan growth of 7.1% YoY to $11.52 billion.
Key figures
- Eps
- 1.16
- Revenue
- 227291000
- Guidance
- Management expects strong performance across all businesses into Q4 2026 and 2027.
- Net Income
- 61304000
- Revenue Yoy
- 9.8%
- Total Assets
- 17787973000
- Cash Position
- 424636000
- Shares Outstanding
- 52377000
- Total loans
- 11518055000
- Operating eps
- 1.27
- Operating roa
- 1.51%
- Total deposits
- 14865106000
- Operating eps yoy
- 16.5%
- Quarterly dividend
- 0.49
- Net interest income
- 143544000
- Net interest margin
- 3.54%
- Operating net income
- 67037000
- Tier1 leverage ratio
- 9.37%
- Net charge offs ratio
- 0.18%
- Efficiency ratio operating
- 59.0%
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