Kristen Silberberg
Head of Investor Relations
Replay available
Citizens Financial Services, Inc. (CZFS) Q4 2025 Earnings Call
Citizens Financial Services, Inc. (NASDAQ: CZFS) Q4 2025 earnings conference call, held 2026-01-21. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Bruce Van Saan
Chairman & CEO
Anoy Banerjee
Chief Financial Officer
Don McCree
Chair of Commercial Banking
Brendan Coughlin
President
Ryan Nash
Analyst, Goldman Sachs
Erica Najarian
Analyst, UPS
Manan Gosali
Analyst, Morgan Stanley
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 00:00:01.111 -- 00:00:06.056 Welcome, and thank you for standing by. All participants will be on a listen-only mode 00:00:06.056 -- 00:00:09.339 until the question and answer session of today's call. 00:00:09.339 -- 00:00:13.242 At that time, to ask a question, please press star 1. 00:00:13.242 -- 00:00:17.526 Today's conference is being recorded. I would now like to turn the conference over to 00:00:17.526 -- 00:00:20.029 Kristen Silberberg. Thank you. You may begin. 00:00:20.029 -- 00:00:21.550 Thanks, 00:00:21.550 -- 00:00:25.374 Julie. Good morning, everyone, and thank you for joining us. 00:00:25.374 -- 00:00:30.468 First this morning, our Chairman and CEO, Bruce Van Saan, and CFO, Anoy 00:00:30.468 -- 00:00:35.232 Banerjee, will provide an overview of our fourth quarter and full year results. 00:00:35.232 -- 00:00:40.398 Brendan Coughlin, our president, and Don McCree, our chair of commercial banking, 00:00:40.398 -- 00:00:43.381 are also here to provide additional color. 00:00:43.381 -- 00:00:48.626 We will be referencing our fourth quarter and full year presentation located on our investor 00:00:48.626 -- 00:00:54.012 relations website. After the presentation, we will be happy to take questions. 00:00:54.012 -- 00:00:58.606 Our comments today will include forward-looking statements, which are subject to risks 00:00:58.606 -- 00:01:03.432 and uncertainties that may cause our results to differ materially from expectations. 00:01:03.432 -- 00:01:06.615 These are outlined for your review in the presentation. 00:01:06.615 -- 00:01:11.721 We also reference non-GAAP financial measures, so it's important to review our GAAP 00:01:11.721 -- 00:01:16.587 results in the presentation and the reconciliations in the appendix. 00:01:16.587 -- 00:01:19.150 And with tha...