Dimitar Kuryvinov
President and CEO
Replay available
Community Financial System, Inc. (CBU) Q3 2025 Earnings Call
Community Financial System, Inc. (NYSE: CBU) Q3 2025 earnings conference call, held 2025-10-21. Replay captured from the company's public earnings webcast.
Hosted by
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Tyler Cacciatore
Analyst, Stephens
Steve Moss
Analyst, Raymond James
David Conrad
Analyst, KBW
Investor webinar replay
Watch the replay and follow the connected company analysis, news, and investor updates for Community Financial System, Inc..
Replay transcript excerpt
WEBVTT 00:00:00.031 -- 00:00:05.096 Good day and welcome to the Community Financial Systems, Inc.' 's third quarter 00:00:05.096 -- 00:00:10.482 2025 earnings conference call. All participants will be in listen-only 00:00:10.482 -- 00:00:15.687 mode. Should you need assistance, please signal a conference specialist by pressing 00:00:15.687 -- 00:00:19.148 the star key followed by zero. 00:00:19.291 -- 00:00:23.795 After today's presentation, there will be an opportunity to ask questions. 00:00:23.795 -- 00:00:28.010 To ask a question, you may press star then one on a touch-tone phone. 00:00:28.010 -- 00:00:32.276 To withdraw your question, please press star then two. 00:00:32.276 -- 00:00:37.263 Please note that this event is being recorded and discussion may contain forward-looking 00:00:37.263 -- 00:00:42.871 statements within the provisions of the Private Securities Litigation Reform Act of 1995 00:00:42.871 -- 00:00:46.596 that are based on current expectations, 00:00:46.596 -- 00:00:51.884 estimates and projections about the industry, markets and economic environment 00:00:51.884 -- 00:00:54.865 in which the company operates. 00:00:54.908 -- 00:01:00.285 These statements involve risks and uncertainties that could cause actual results to differ 00:01:00.285 -- 00:01:03.449 materially from the results discussed. 00:01:03.449 -- 00:01:10.198 Refer to the company's SEC filings, including the risk factors section, for more details. 00:01:10.198 -- 00:01:15.764 Discussion may also include references to certain non-GAAP financial measures. 00:01:15.764 -- 00:01:20.390 Reconciliations of these non-GAAP measures to the most directly comparable GAAP measures 00:01:20.390 -- 00:01:24.092 can be found in the company's earning release. 00:01:25.013 -- 00:01:30.380 I would no...