{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-110432","form_type":"8-K","ticker":"CBU","cik":"0000723188","company_name":"COMMUNITY FINANCIAL SYSTEM, INC.","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.912668+00:00","generated_at":"2026-05-30T11:56:35.514767+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Community Financial System Q3 EPS $0.83, revenue record $188.9M; loans up 2.3% QoQ","bullets":["Net income $43.9M ($0.83 diluted EPS), up $0.01 YoY but down $0.08 from Q2.","Total revenue $188.9M (record), up 7.7% YoY and 2.8% QoQ; net interest income $112.7M (record).","Financial services revenues $55.8M (record), up 11.4% YoY.","Loans $10.25B (+2.3% QoQ, +8.5% YoY); deposits $13.48B (+2.6% QoQ, +3.4% YoY).","Tier 1 leverage ratio 9.12%, well above well-capitalized standard of 5.0%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-110432","json":"https://secwatch.observer/filing/0001104659-24-110432.json","markdown":"https://secwatch.observer/filing/0001104659-24-110432.md","text":"https://secwatch.observer/filing/0001104659-24-110432.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723188/000110465924110432/0001104659-24-110432-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723188/000110465924110432/tm2426598d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:56:35.514767+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"}