Kristen Silberberg
Head of Investor Relations
Replay available
Citizens Financial Services, Inc. (CZFS) Q2 2025 Earnings Call
Citizens Financial Services, Inc. (NASDAQ: CZFS) Q2 2025 earnings conference call, held 2025-07-17. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Bruce Van Saan
Chairman and CEO
John Woods
Chief Financial Officer
Ryan Nash
Analyst, Goldman Sachs
Erica Najarian
Analyst, UBS
Matt O'Connor
Analyst, Deutsche Bank
Ken Houston
Analyst, Autonomous Research
Steven Alexopoulos
Analyst, TD Cowen
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 00:00:00.588 -- 00:00:06.155 Good morning, everyone, and welcome to the Citizens Financial Group Second Quarter 2025 00:00:06.155 -- 00:00:11.481 Earnings Conference Call. My name is Denise, and I will be your operator today. 00:00:11.481 -- 00:00:14.604 Currently, all participants are in a listen-only mode. 00:00:14.604 -- 00:00:19.750 Following the presentation, we will conduct a brief question-and-answer session. 00:00:19.750 -- 00:00:22.654 As a reminder, this event is being recorded. 00:00:22.654 -- 00:00:27.660 Now I will turn the call over to Kristen Silberberg, Head of Investor 00:00:27.660 -- 00:00:30.760 Relations. Kristen, you may begin. 00:00:30.760 -- 00:00:34.906 Thank you, Denise. Good morning, everyone, and thank you for joining us. 00:00:34.906 -- 00:00:39.913 First this morning, our Chairman and CEO, Bruce Van Saan, and CFO, John Woods, 00:00:39.913 -- 00:00:43.238 will provide an overview of our second quarter results. 00:00:43.238 -- 00:00:48.066 Brendan Coughlin, Head of Consumer Banking, and Don McCree, Head of Commercial Banking, 00:00:48.066 -- 00:00:50.449 are also here to provide additional color. 00:00:50.449 -- 00:00:55.296 We will be referencing our second quarter presentation located on our Investor Relations 00:00:55.296 -- 00:00:59.920 website. After the presentation, we will be happy to take questions. 00:00:59.920 -- 00:01:04.647 Our comments today will include forward-looking statements, which are subject to risks 00:01:04.647 -- 00:01:09.533 and uncertainties that may cause our results to differ materially from expectations. 00:01:09.533 -- 00:01:12.778 These are outlined for your review in the presentation. 00:01:12.778 -- 00:01:18.125 We also reference non-GAAP financial measures, so it's important to review our GAAP resul...