C CBU

Community Bank System Inc

$59.44

+0.08% (+$0.05)

Volume 224,816

52W High $67.50

52W Low $49.44

Market Cap $2.82B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.10

Whisper EPS

$1.12

1.4% above consensus

Last Quarter

$1.07

Current Streak

1 Miss

Avg Surprise (4Q)

-0.75%

Next Earnings Report

Reports in 22 days

Report Date Apr 29, 2026

Time BMO

Whisper Spread +1.37%

Consensus Estimate

$1.10

Official analyst average

Whisper Number

$1.12

What traders expect

Bullish Sentiment: The whisper number is 1.4% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 27, 2026

1-Day: -0.62%

Q3 2025 Oct 21, 2025

1-Day: -0.53%

Q2 2025 Jul 22, 2025

1-Day: -0.68%

Q1 2025 Apr 28, 2025

1-Day: -2.07%

Revenue & Financial Performance

Revenue Whisper

$246.0M

TWN Proprietary Estimate

Last Quarter Revenue

$181.5M

-26.3% YoY

Gross Margin

52.8%

Net Margin: 30.0%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$181.5M	-26.3%	52.8%	48.6%	$54.4M
Q3'25	$256.2M	+6.7%	78.7%	28.6%	$55.1M
Q2'25	$247.4M	+6.9%	78.9%	26.7%	$51.3M
Q1'25	$243.7M	+9.3%	77.8%	26.4%	$49.6M
Q4'24	$246.2M	+15.0%	77.2%	26.2%	$49.8M
Q3'24	$240.1M	+17.0%	75.5%	23.8%	$43.9M
Q2'24	$231.4M	+17.1%	78.3%	26.8%	$47.9M
Q1'24	$222.9M	+60.2%	76.8%	23.8%	$40.9M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 27, 2026	$1.13	$1.16	$1.07	-5.31%	Missed
Q3 2025	Oct 21, 2025	$1.05	$1.06	$1.09	+3.81%	Beat
Q2 2025	Jul 22, 2025	$1.01	$1.05	$0.99	-1.98%	Missed
Q1 2025	Apr 28, 2025	$0.91	$0.92	$0.93	+2.20%	Beat
Q4 2024	Jan 21, 2025	$0.91	$0.90	$0.94	+3.30%	Beat
Q3 2024	Oct 22, 2024	$0.88	$0.87	$0.83	-5.68%	Missed
Q2 2024	Jul 23, 2024	$0.81	$0.79	$0.90	+11.11%	Beat
Q1 2024	Apr 23, 2024	$0.78	$0.76	$0.76	-2.56%	Met
Q4 2023	Jan 23, 2024	$0.84	$0.85	$0.76	-9.52%	Missed
Q3 2023	Oct 24, 2023	$0.88	$0.89	$0.82	-6.82%	Missed
Q2 2023	Jul 31, 2023	$0.85	$0.85	$0.91	+7.06%	Beat
Q1 2023	Apr 25, 2023	$0.91	$0.95	$0.86	-5.49%	Missed