Community Financial System (CBU Quick QuoteCBU - Free Report) reported $207.93 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 9.6%. EPS of $1.04 for the same period compares to $0.83 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $208.93 million, representing a surprise of -0.48%. The company delivered an EPS surprise of +0.97%, with the consensus EPS estimate being $1.03.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

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:

• Net Interest Margin: 3.3% compared to the 3.3% average estimate based on two analysts.
• Efficiency ratio (GAAP): 62% versus 63.3% estimated by two analysts on average.
• Total Non-Interest Income: $78.89 million versus the two-analyst average estimate of $78.96 million.
• Fully tax-equivalent net interest income: $129.05 million versus the two-analyst average estimate of $129.97 million.

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

Shares of Community Financial have returned -6.6% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.