UTICA, N.Y., April 15, 2025 /PRNewswire/ --BPAS, a leading national provider of retirement plans, benefit plans, fund administration, and collective investment trusts, announced today it has earned certification from the Centre for Fiduciary Excellence (CEFEX), a division of Broadridge Fi360 Solutions (Broadridge). BPAS has earned the right to use the CEFEX Mark which indicates the firm's established practices are aligned with investors' interests and worthy of trust and confidence," said Carlos Panksep, CE ...

Group 1 - The article discusses smaller, off-the-beaten-path bank stocks that typically have cheaper-than-average funding sources and a history of below-average loan losses [1] - The investment approach emphasized is long-term, buy-and-hold, focusing on stocks that can sustainably generate high-quality earnings, particularly in the dividend and income sectors [1] Group 2 - The author has no current stock or derivative positions in the companies mentioned and does not plan to initiate any within the next 72 hours [2] - The article expresses personal opinions and is not influenced by compensation from any company mentioned [2]

Core Viewpoint - Community Financial System, Inc. is set to discuss its financial and operational performance for the first quarter of 2025 during an upcoming conference call on April 29, 2025 [1][2]. Company Overview - Community Financial System, Inc. operates in four main business lines: banking, employee benefit services, insurance services, and wealth management services [5]. - The banking subsidiary, Community Bank, N.A., is among the top 100 largest banking institutions in the U.S., with over $16 billion in assets and approximately 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont, and Western Massachusetts [5]. - The company’s subsidiary, Benefit Plans Administrative Services, Inc., is a leading provider of employee benefits administration and related services on a national scale [5]. - OneGroup NY, Inc., another subsidiary, ranks as a top 66 insurance agency in the U.S. [5]. - The company is publicly traded on the New York Stock Exchange under the symbol CBU [5]. Conference Call Details - The earnings conference call is scheduled for April 29, 2025, at 11:00 a.m. Eastern Time, accessible via conference call or a simultaneous webcast [2][3]. - The call will feature Dimitar Karaivanov, CEO, and Marya Wlos, incoming CFO, who will present the first quarter results, followed by a Q&A session [3]. - The financial results will be released before the market opens on the same day and will be available on the company's website [4].

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number 001-13695 (Exact name of registrant as specified in its charter) | Delaware | 16-1213679. | | --- | --- | | (State or other juri ...

Core Insights - The individual has a strong interest in financial markets, particularly in fundamental analysis, which evaluates a company's actual results rather than price movements [1] - The focus is primarily on long-term investments in stocks and ETFs, with a preference for US companies, while also analyzing European and Chinese firms [1] - The banking sector is highlighted as a key area of interest, as it is essential for understanding the overall health of an economy [1] Investment Approach - The investment strategy is characterized by a contrarian view, indicating a willingness to go against prevailing market trends [1] - The individual emphasizes the importance of macroeconomics in investment decisions, suggesting a holistic approach to market analysis [1]

Core Insights - Community Financial System, Inc. reported a solid performance in Q4 2024 with operating PPNR of $1.40 per share, reflecting an 8.5% increase from the prior quarter and a 23.9% increase year-over-year [3] - The company achieved an overall growth in operating PPNR per share by 8.2% and operating earnings per share by 2.2% in 2024, contrasting with a projected 5% decline in the overall KRX index [4] Financial Performance - The operating PPNR of $1.40 per share indicates strong financial health and effective management strategies [3] - The increase in ACL (Allowance for Credit Losses) from 69 basis points of loans at the end of 2023 contributed to the difference between operating PPNR and operating earnings per share [4] Management Commentary - The CEO highlighted margin expansion, excellent liquidity, strong fee performance, and well-managed expenses as key factors contributing to the company's success in 2024 [3]

Community Financial System, Inc. (NYSE:CBU) Q4 2024 Earnings Conference Call January 21, 2025 11:00 AM ET Company Participants Dimitar Karaivanov - President and Chief Executive Officer Joseph Sutaris - Executive Vice President and Chief Financial Officer Conference Call Participants Steve Moss - Raymond James Frank Schiraldi - Piper Sandler Matthew Breese - Stephens Inc Christopher O'Connell - KBW Sharanjit Cheema - D.A. Davidson Operator Good day, and welcome to the Community Financial System, Inc. Fourth ...

Community Financial System (CBU) reported $197.17 million in revenue for the quarter ended December 2024, representing a year-over-year increase of 10.8%. EPS of $0.94 for the same period compares to $0.76 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $193.45 million, representing a surprise of +1.92%. The company delivered an EPS surprise of +4.44%, with the consensus EPS estimate being $0.90.While investors scrutinize revenue and earnings changes year-over-year and how they c ...

Exhibit 99.1 News Release For further information, please contact: 5790 Widewaters Parkway, DeWitt, N.Y. 13214 Joseph E. Sutaris, EVP & Chief Financial Officer Office: (315) 445-7396 Community Financial System, Inc. Reports Fourth Quarter And Full Year 2024 Results SYRACUSE, N.Y. — January 21, 2025 — Community Financial System, Inc. (the "Company") (NYSE: CBU) reported fourth quarter and full year 2024 results that are included in the attached supplement. This earnings release, including supporting financia ...

Community Financial System (CBU) came out with quarterly earnings of $0.94 per share, beating the Zacks Consensus Estimate of $0.90 per share. This compares to earnings of $0.76 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 4.44%. A quarter ago, it was expected that this bank holding company would post earnings of $0.86 per share when it actually produced earnings of $0.83, delivering a surprise of -3.49%.Over the last four ...