Kristen Silberberg
Head of Investor Relations
Replay available
Citizens Financial Services, Inc. (CZFS) Q3 2025 Earnings Call
Citizens Financial Services, Inc. (NASDAQ: CZFS) Q3 2025 earnings conference call, held 2025-10-15. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Bruce Van Saan
Chairman and CEO
Chris Emerson
Interim CFO
Scott Cyphers
Analyst, Piper Sandler
Dave Rochester
Analyst, Cantor Fitzgerald
Brendan Coughlin
President
Don McCree
Chair of Commercial Banking
Ibrahim Poonawalla
Analyst
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 00:00:01.735 -- 00:00:06.539 Good morning, everyone, and welcome to the Citizens Financial Group third quarter 2025 00:00:06.539 -- 00:00:11.724 earnings conference call. My name is Denise, and I'll be your operator today. 00:00:11.724 -- 00:00:14.886 Currently, all participants are in a listen-only mode. 00:00:14.886 -- 00:00:18.550 Following the presentation, we will conduct a brief question and answer session. 00:00:18.550 -- 00:00:21.752 As a reminder, this event is being recorded. 00:00:21.752 -- 00:00:27.578 Now, I'll turn the call over to Kristen Silberberg, Head of Investor Relations. 00:00:27.578 -- 00:00:28.498 Kristen, you may begin. 00:00:28.498 -- 00:00:29.960 Thank 00:00:29.960 -- 00:00:33.835 you, Denise. Good morning, everyone, and thank you for joining us. 00:00:33.835 -- 00:00:39.001 First this morning, our chairman and CEO, Bruce Van Saan, and interim CFO, 00:00:39.001 -- 00:00:42.845 Chris Emerson, will provide an overview of our third quarter results. 00:00:42.845 -- 00:00:47.870 Brendan Coughlin, president, and Don McCree, chair of commercial banking, are also 00:00:47.870 -- 00:00:52.415 here to provide additional color. We will be referencing our third quarter presentation 00:00:52.415 -- 00:00:55.318 located on our investor relations website. 00:00:55.318 -- 00:00:58.570 After the presentation, we will be happy to take questions. 00:00:58.570 -- 00:01:03.377 Our comments today will include forward-looking statements, which are subject to risks 00:01:03.377 -- 00:01:08.203 and uncertainties that may cause our results to differ materially from expectations. 00:01:08.203 -- 00:01:11.789 These are outlined for your review in the presentation. 00:01:11.789 -- 00:01:16.796 We also reference non-GAAP financial measures, so it's important to r...