For the quarter ended March 2026, Community Financial System (CBU Quick QuoteCBU - Free Report) reported revenue of $214.14 million, up 8.6% over the same period last year. EPS came in at $1.09, compared to $0.93 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $217.27 million, representing a surprise of -1.44%. The company delivered an EPS surprise of -0.73%, with the consensus EPS estimate being $1.10.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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): 62.4% versus the four-analyst average estimate of 62.4%.
• Net Interest Margin: 3.4% versus 3.5% estimated by four analysts on average.
• Average Balances - Total interest-earning assets: $15.94 billion versus $15.93 billion estimated by four analysts on average.
• Net charge-offs/average loans: 0.1% versus the three-analyst average estimate of 0.1%.
• Total Non-Interest Income: $78.57 million compared to the $81.62 million average estimate based on four analysts.
• Mortgage banking: $1.1 million compared to the $0.62 million average estimate based on three analysts.
• Fully tax-equivalent net interest income: $135.56 million versus $135.63 million estimated by three analysts on average.
• Deposit service and other banking fees: $20.71 million versus $21.31 million estimated by three analysts on average.
• Wealth management services: $10.33 million compared to the $9.89 million average estimate based on two analysts.
• Insurance services: $12.59 million versus $15.05 million estimated by two analysts on average.
• Employee benefit services: $34.57 million versus the two-analyst average estimate of $35.16 million.
• Net Interest Income: $134.71 million compared to the $135.01 million average estimate based on two analysts.

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

Shares of Community Financial have returned +7.7% over the past month versus the Zacks S&P 500 composite's +12.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.