CBU Earnings Date: Jan 26, 2027 (Estimated) — Community Bank System, Inc.
NYSE · Financials · Banks - Regional
Updated
When is CBU's next earnings date?
Community Bank System, Inc. (CBU) is expected to report Q4 2026 earnings on Tuesday, January 26, 2027 at 6:00 AM ET (before market open); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $1.21 on revenue of $232.1M.
How did CBU do in its last earnings report?
In its most recent report on Oct 27, 2026 (Q3 2026), Community Bank System, Inc. posted EPS of $1.27 versus the $1.19 estimate, a beat of 6.7%. Revenue was $230.2M against a $227.2M estimate. The stock's 1-day post-earnings move was +0.1%.
How much does CBU stock move after earnings?
CBU beat EPS estimates in 5 of its last 8 reported quarters. Over the last 8 reports the stock moved an average of 1.5% (up or down) in the day after earnings.
About Community Bank System, Inc.
Community Bank System, Inc. (CBU) serves as the parent company for Community Bank, N.A., providing a broad array of banking and financial services to a diverse clientele including individual consumers, businesses, and local government entities. Its operations are structured into three primary divisions: Banking, Employee Benefit Services, and a residual "All Other" category. The company offers a comprehensive suite of deposit products, such as checking, savings, and money market accounts, alongside certificates of deposit. Its lending portfolio is equally varied, extending to consumer mortgages, personal installment loans, and lines of credit for individuals, as well as home equity products. For commercial clients, Community Bank System provides general purpose commercial and industrial loans, mortgages on commercial properties, and historically, Paycheck Protection Program loans. Additionally, it facilitates specialized installment loans for vehicles like automobiles, boats, and other recreational vehicles through partnerships with selected dealerships. Beyond traditional banking, the institution delivers broker-dealer and investment advisory services, along with extensive cash management, treasury, and asset management solutions. It also operates a full-service insurance agency, offering personal and commercial lines of insurance and various risk management products. The Employee Benefit Services segment provides a robust offering, including administration for contribution plans, employee benefit trusts, and collective investment funds. This segment also handles retirement plan administration, fund administration, transfer agency functions, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting. Furthermore, Community Bank System provides comprehensive wealth management services, covering retirement, higher education, and personal financial planning. It offers fiduciary and trust services, risk management advice, and access to diverse investment alternatives such as stocks, bonds, mutual funds, and advisory products, alongside master recordkeeping services. As of January 24, 2022, the company operated approximately 215 customer facilities geographically spread across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and maintains its corporate headquarters in DeWitt, New York.
🤖 AI Earnings Analysis
Community Financial delivered a solid regional-bank quarter, beating EPS estimates by $0.08 and revenue by $3 million; year-over-year EPS rose 17% to $1.27 and revenue grew 11% to $230 million.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-27 | Q3 2026 | 1.19 | 1.27 | +6.72% | $230.2M | ✅ Beat | +0.08% | — | — |
| 2026-07-28 | Q2 2026 | 1.18 | 1.16 | -1.69% | $223.2M | ❌ Miss | -2.75% | -0.06% | -5.49% |
| 2026-04-29 | Q1 2026 | 1.09 | 1.15 | +5.50% | $213.3M | ✅ Beat | -1.49% | +0.67% | +1.78% |
| 2026-01-27 | Q4 2025 | 1.13 | 1.12 | -0.88% | $215.5M | ❌ Miss | -0.50% | +3.21% | +3.00% |
| 2025-10-21 | Q3 2025 | 1.04 | 1.09 | +4.81% | $207.1M | ✅ Beat | +0.24% | +2.37% | -4.23% |
| 2025-04-29 | Q1 2025 | 0.91 | 0.98 | +7.69% | $196.2M | ✅ Beat | -2.07% | +1.28% | +0.85% |
| 2025-01-21 | Q4 2024 | 0.91 | 1.00 | +9.89% | $196.3M | ✅ Beat | +3.27% | +4.79% | +2.97% |
| 2024-10-22 | Q3 2024 | 0.88 | 0.88 | +0.00% | $188.9M | ➖ Inline | -1.75% | +3.65% | +15.91% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $24.4M total
| Segment | Share | Revenue | YoY | Q2 FY23 | Q1 FY25 | Q2 FY25 | Q3 FY25 |
|---|---|---|---|---|---|---|---|
| Insurance Services | 54.0% | $13.2M | -2.0% | — | $14.3M | $13.5M | $14.2M |
| Wealth Management Services | 46.0% | $11.2M | +21.7% | — | $10.5M | $9.2M | $9.5M |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.