{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-110801","form_type":"8-K","ticker":"CBU","cik":"0000723188","company_name":"COMMUNITY FINANCIAL SYSTEM, INC.","filed_at":"2022-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.361862+00:00","generated_at":"2026-06-23T01:46:13.807277+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CBU Q3 2022 EPS $0.90 (+8.4% YoY); record adjusted PPNR $1.25","bullets":["GAAP and operating EPS of $0.90, up from $0.83 in Q3 2021; net income $48.7M.","Net interest income $110.4M, +19.2% YoY; NIM expanded 29 bps to 3.03%.","Loan growth of $398.9M (4.9% linked quarter) with increases in all five portfolios.","Provision for credit losses of $5.1M vs $0.9M benefit YoY on loan growth and weaker forecast.","Adjusted pre-tax pre-provision net revenue per share $1.25, a quarterly record, up 20.2% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-110801","json":"https://secwatch.observer/filing/0001104659-22-110801.json","markdown":"https://secwatch.observer/filing/0001104659-22-110801.md","text":"https://secwatch.observer/filing/0001104659-22-110801.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723188/000110465922110801/0001104659-22-110801-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723188/000110465922110801/tm2228760d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:46:13.807277+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}