Kristen Silverberg
Head of Investor Relations
Replay available
Citizens Financial Services, Inc. (CZFS) Q1 2026 Earnings Call
Citizens Financial Services, Inc. (NASDAQ: CZFS) Q1 2026 earnings conference call, held 2026-04-16. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Bruce Van Thorn
Chairman and CEO
Annoi Banerjee
Chief Financial Officer
Brendan Coughlin
President
Ted Swimmer
Head of Commercial Banking
Scott Fiefers
Analyst, Piper Sandler
Manan Gosalia
Analyst, Morgan Stanley
Ryan Nash
Analyst, Goldman Sachs
Investor webinar replay
Watch the replay and follow the connected company analysis, news, and investor updates for Citizens Financial Services, Inc..
Replay transcript excerpt
WEBVTT 00:00:01.603 -- 00:00:06.465 Hi, everyone, and welcome to the Citizen Financial Group First Quarter 2026 Earnings 00:00:06.465 -- 00:00:09.986 Conference Call. My name is Ivy, and I will be your operator today. 00:00:09.986 -- 00:00:12.728 Currently, all participants are in a listen-only mode. 00:00:12.728 -- 00:00:16.449 Following the presentation, we will conduct a brief question-and-answer session. 00:00:16.449 -- 00:00:19.070 As a reminder, this event is being recorded. 00:00:19.070 -- 00:00:22.952 Now I will turn the call over to Kristen Silverberg, Head of Investor Relations. 00:00:22.952 -- 00:00:25.353 Kristen, you may begin. 00:00:25.353 -- 00:00:29.113 Thanks, Ivy. Good morning, everyone, and thank you for joining us. 00:00:29.113 -- 00:00:34.338 First this morning, our Chairman and CEO, Bruce Van Thorn, and CFO, Annoi Banerjee, 00:00:34.338 -- 00:00:37.480 will provide an overview of our first quarter results. 00:00:37.480 -- 00:00:42.485 Brendan Coughlin, President, and Ted Swimmer, Head of Commercial Banking, are 00:00:42.485 -- 00:00:47.750 also here to provide additional colour. We will be referencing our first quarter presentation 00:00:47.750 -- 00:00:50.972 located on our Investor Relations website. 00:00:50.972 -- 00:00:54.522 After the presentation, we will be happy to take questions. 00:00:54.522 -- 00:00:58.925 Our comments today will include forward-looking statements which are subject to risks 00:00:58.925 -- 00:01:03.647 and uncertainties that may cause our results to differ materially from expectations. 00:01:03.647 -- 00:01:06.829 These are outlined for your review in the presentation. 00:01:06.829 -- 00:01:12.172 We also reference non-GAAP financial measures, so it's important to review our GAAP results 00:01:12.172 -- 00:01:15.634 ...