{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-006029","form_type":"8-K","ticker":"CBU","cik":"0000723188","company_name":"COMMUNITY FINANCIAL SYSTEM, INC.","filed_at":"2023-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.887075+00:00","generated_at":"2026-06-20T11:13:52.911096+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 Q4 GAAP EPS $0.97, up 21% YoY; operating EPS $0.96; loan growth strong","bullets":["Q4 GAAP EPS $0.97 vs $0.80 YoY; operating EPS $0.96 vs $0.81; full-year GAAP EPS $3.46 vs $3.48.","Net interest income $112.2M (+17.2% YoY); total revenues $175.9M (+10.2%).","Q4 loans grew $265.8M (3.1%); full-year loan growth $1.44B (19.5%).","Provision for credit losses $2.8M; NPL ratio 0.38%; net charge-offs 0.09% annualized.","Adjusted pre-tax pre-provision net revenue per share record $1.29 (+18.3% YoY)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-006029","json":"https://secwatch.observer/filing/0001104659-23-006029.json","markdown":"https://secwatch.observer/filing/0001104659-23-006029.md","text":"https://secwatch.observer/filing/0001104659-23-006029.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723188/000110465923006029/0001104659-23-006029-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723188/000110465923006029/tm234252d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:13:52.911096+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":[{"claim_id":"2dc8efa570c5aa99272a008775eefa417931d7b0","claim":"COMMUNITY FINANCIAL SYSTEM, INC. reported full year 2022 results: EPS $3.46 per share.","evidence_excerpt":"Full year 2022 diluted earnings per share was $3.46","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/723188/000110465923006029/0001104659-23-006029-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full year 2022"},{"label":"EPS","value":"$3.46 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"d95b7ca73c1c275d30185183adb7d699bcc4d4dd","claim":"COMMUNITY FINANCIAL SYSTEM, INC. reported the quarter ended December 31, 2022 results: net income $52.5 million, EPS $0.97 per fully-diluted share.","evidence_excerpt":"fourth quarter 2022 net income of $52.5 million, or $0.97 per fully-diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/723188/000110465923006029/0001104659-23-006029-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2022"},{"label":"Net income","value":"$52.5 million"},{"label":"EPS","value":"$0.97 per fully-diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}