For the quarter ended June 2025, Community Financial System (CBU Quick QuoteCBU - Free Report) reported revenue of $200.14 million, up 8.3% over the same period last year. EPS came in at $0.97, compared to $0.95 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $203.07 million, representing a surprise of -1.44%. The company delivered an EPS surprise of -5.83%, with the consensus EPS estimate being $1.03.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Community Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency ratio (GAAP): 64.8% versus 61.9% estimated by two analysts on average.
• Net Interest Margin: 3.3% versus 3.3% estimated by two analysts on average.
• Average Balances - Total interest-earning assets: $15.29 billion versus $15.38 billion estimated by two analysts on average.
• Net charge-offs/average loans: 0.2% compared to the 0.2% average estimate based on two analysts.
• Total Non-Interest Income: $74.51 million compared to the $77.3 million average estimate based on two analysts.
• Fully tax-equivalent net interest income: $125.63 million compared to the $125.75 million average estimate based on two analysts.

View all Key Company Metrics for Community Financial here>>>

Shares of Community Financial have returned +3.8% over the past month versus the Zacks S&P 500 composite's +5.9% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.