Ken Houston
Analyst, Autonomous Research
Replay available
Citizens Financial Services, Inc. (CZFS) Q2 2026 Earnings Call
Citizens Financial Services, Inc. (NASDAQ: CZFS) Q2 2026 earnings conference call, held 2026-07-16. Replay captured from the company's public earnings webcast.
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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 00:00:00.031 -- 00:00:03.393 Good morning, everyone, and welcome to the Citizens Financial Group's second quarter 00:00:03.393 -- 00:00:07.835 2026 earnings conference call. My name is Ivy, and I will be your operator today. 00:00:07.835 -- 00:00:10.356 Currently, all participants are in the listen-only mode. 00:00:10.356 -- 00:00:14.118 Following the presentation, we will conduct a brief question-and-answer session. 00:00:14.118 -- 00:00:16.659 As a reminder, this event is being recorded. 00:00:16.659 -- 00:00:20.441 I will now turn the call over to Kristen Silberberg, Head of Investor Relations. 00:00:20.441 -- 00:00:22.862 Kristen, you may begin. 00:00:22.862 -- 00:00:26.632 Thank you, Ivy. Good morning, everyone, and thank you for joining us. 00:00:26.632 -- 00:00:32.034 First this morning, our Chairman and CEO, Bruce Van Thorn, and CFO, Anoy Banerjee, 00:00:32.034 -- 00:00:35.055 will provide an overview of our second quarter results. 00:00:35.055 -- 00:00:39.756 Brendan Coughlin, our President, and Ted Swimmer, Head of Commercial Banking, are also 00:00:39.756 -- 00:00:44.838 here to provide additional colour. We will be referencing our second quarter presentation 00:00:44.838 -- 00:00:47.759 located on our Investor Relations website. 00:00:47.759 -- 00:00:51.560 After the presentation, we will be happy to take your questions. 00:00:51.560 -- 00:00:54.695 Our comments today will include forward-looking statements. 00:00:54.695 -- 00:00:59.139 which are subject to risks and uncertainties that may cause our results to differ materially 00:00:59.139 -- 00:01:03.963 from expectations. These are outlined for your review in the presentation. 00:01:03.963 -- 00:01:09.528 We also reference non-GAAP financial measures, so it's important to review our GAAP results...