What is DA Davidson's Estimate for CBU Q3 Earnings?

Key Points

• DA Davidson has estimated Community Financial System's Q3 2025 earnings per share at $1.03, while the consensus estimate for the full year is $4.18 per share.
• Community Financial System reported Q2 earnings of $0.97 per share, missing analysts’ expectations by $0.06, despite an 8.4% year-over-year revenue growth.
• The company recently increased its quarterly dividend to $0.47 per share, reflecting a dividend yield of 3.46%.

Community Financial System, Inc. (NYSE:CBU - Free Report) - Equities research analysts at DA Davidson issued their Q3 2025 earnings estimates for shares of Community Financial System in a report issued on Thursday, July 24th. DA Davidson analyst M. Navas forecasts that the bank will post earnings of $1.03 per share for the quarter. The consensus estimate for Community Financial System's current full-year earnings is $4.18 per share.

Community Financial System (NYSE:CBU - Get Free Report) last posted its quarterly earnings results on Tuesday, July 22nd. The bank reported $0.97 EPS for the quarter, missing the consensus estimate of $1.03 by ($0.06). Community Financial System had a net margin of 19.91% and a return on equity of 10.71%. The business had revenue of $199.30 million during the quarter, compared to analyst estimates of $201.93 million. During the same period last year, the firm posted $0.95 earnings per share. The company's quarterly revenue was up 8.4% on a year-over-year basis.

Other analysts also recently issued reports about the stock. Keefe, Bruyette & Woods dropped their price target on shares of Community Financial System from $69.00 to $67.00 and set a "market perform" rating on the stock in a research report on Wednesday, July 23rd. Wall Street Zen upgraded shares of Community Financial System from a "sell" rating to a "hold" rating in a research report on Friday, May 16th.

Community Financial System Stock Performance

NYSE:CBU traded down $0.15 during mid-day trading on Friday, hitting $54.14. The stock had a trading volume of 54,272 shares, compared to its average volume of 226,312. The stock has a market capitalization of $2.86 billion, a price-to-earnings ratio of 14.75 and a beta of 0.78. The company has a 50 day simple moving average of $56.81 and a 200-day simple moving average of $58.39. Community Financial System has a 52 week low of $49.44 and a 52 week high of $73.39. The company has a current ratio of 0.76, a quick ratio of 0.76 and a debt-to-equity ratio of 0.38.

Institutional Trading of Community Financial System

Large investors have recently added to or reduced their stakes in the business. Principal Financial Group Inc. raised its stake in Community Financial System by 2.9% during the 1st quarter. Principal Financial Group Inc. now owns 262,245 shares of the bank's stock valued at $14,911,000 after purchasing an additional 7,376 shares during the last quarter. Teacher Retirement System of Texas raised its stake in Community Financial System by 7.4% during the 1st quarter. Teacher Retirement System of Texas now owns 26,478 shares of the bank's stock valued at $1,506,000 after purchasing an additional 1,823 shares during the last quarter. KBC Group NV raised its stake in Community Financial System by 19.8% during the 1st quarter. KBC Group NV now owns 2,798 shares of the bank's stock valued at $159,000 after purchasing an additional 463 shares during the last quarter. Raymond James Financial Inc. acquired a new position in Community Financial System during the 4th quarter valued at $687,000. Finally, Norges Bank acquired a new position in Community Financial System during the 4th quarter valued at $34,779,000. 73.79% of the stock is owned by institutional investors.

Community Financial System Increases Dividend

The business also recently disclosed a quarterly dividend, which will be paid on Friday, October 10th. Investors of record on Friday, September 12th will be given a dividend of $0.47 per share. The ex-dividend date of this dividend is Friday, September 12th. This is an increase from Community Financial System's previous quarterly dividend of $0.46. This represents a $1.88 dividend on an annualized basis and a yield of 3.47%. Community Financial System's payout ratio is presently 50.14%.

Community Financial System Company Profile

Community Bank System, Inc operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits.