{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-004767","form_type":"8-K","ticker":"CBU","cik":"0000723188","company_name":"COMMUNITY FINANCIAL SYSTEM, INC.","filed_at":"2025-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.192247+00:00","generated_at":"2026-05-27T22:38:49.904261+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CBU Q4 net income $49.8M ($0.94/share); record total revenues $196.3M, up 10.9% YoY","bullets":["Q4 net income $49.8M ($0.94 EPS) vs $0.63 EPS in Q4 2023; full-year net income $182.5M ($3.44 EPS) up $0.99/share YoY.","Q4 total revenues $196.3M (record), up 10.9% YoY; net interest income $120.0M (record), up 9.9% YoY.","Financial services noninterest revenues $56.0M (record), up 13.1% YoY; full-year financial services revenues $217.9M, up 10.6%.","Loans $10.43B, up 7.5% YoY; deposits $13.44B, up 4.0% YoY; Tier 1 leverage ratio 9.19% well above 5.0% standard.","Operating PPNR $74.3M ($1.40/share) in Q4, up $0.27/share YoY; operating net income $52.9M ($1.00/share)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-004767","json":"https://secwatch.observer/filing/0001104659-25-004767.json","markdown":"https://secwatch.observer/filing/0001104659-25-004767.md","text":"https://secwatch.observer/filing/0001104659-25-004767.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/723188/000110465925004767/0001104659-25-004767-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/723188/000110465925004767/tm253890d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T22:38:49.904261+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"}