Community Financial System (CBU Quick QuoteCBU - Free Report) reported $228.3 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 9.8%. EPS of $1.21 for the same period compares to $1.04 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $227.32 million, representing a surprise of +0.43%. The company delivered an EPS surprise of +1.68%, with the consensus EPS estimate being $1.19.

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 charge-offs/average loans: 0.2% compared to the 0.1% average estimate based on five analysts.
• Net Interest Margin: 3.5% versus the five-analyst average estimate of 3.5%.
• Average Balances - Total interest-earning assets: $16.09 billion versus $16.24 billion estimated by four analysts on average.
• Efficiency ratio (GAAP): 62% compared to the 61% average estimate based on four analysts.
• Total Non-Interest Income: $83.75 million versus the five-analyst average estimate of $83.84 million.
• Fully tax-equivalent net interest income: $144.55 million versus $143.31 million estimated by three analysts on average.
• Net Interest Income: $143.54 million compared to the $143.28 million average estimate based on three analysts.
• Insurance services: $14.61 million versus $14.42 million estimated by two analysts on average.
• Deposit service and other banking fees: $22.46 million versus $21.05 million estimated by two analysts on average.
• Wealth management services: $12.38 million compared to the $11.25 million average estimate based on two analysts.
• Employee benefit services: $36.4 million versus $36.9 million estimated by two analysts on average.

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

Shares of Community Financial have returned +3% over the past month versus the Zacks S&P 500 composite's -0.8% 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.