Short answer
COMMUNITY FINANCIAL SYSTEM, INC. (CBU) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $207M (up 26.3% year over year) with net income of $55M.
Q3 2025 key financials · XBRL
- Revenue
- $207M
- +26.3% YoY · +3.9% QoQ
- Net income
- $55M
- +25.5% YoY · +7.3% QoQ
- EPS (diluted)
- $1.04
- +25.3% YoY · +7.2% QoQ
Source: XBRL data from the COMMUNITY FINANCIAL SYSTEM, INC. (CBU) Q3 2025 10-Q on SEC EDGAR. USD.
COMMUNITY FINANCIAL SYSTEM, INC. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- No new risk factors added this quarter; risk section states no material changes from 10-K
- Material update: Increased restructuring expenses $1.5M recognized this quarter due to operational cost optimization efforts
- Legal risk: Litigation accrual reversed $50K this quarter vs prior accrual of $221K, indicating changes in legal contingency evaluations
- Market risk: Decline in noninterest revenue ratio from 40.3% to 38.1% due to lower securities gains impacting near-term revenue diversification
- Financial risk: Shareholders’ equity-to-assets ratio improved to 11.43% from 10.76% driven by net income growth and capital retention
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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