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    Manuel Navis • D.A. Davidson

    Manuel Navas is a Senior Vice President and Equity Research Analyst at D.A. Davidson, specializing in coverage of regional banks and financial services companies. He regularly covers firms such as NBT Bancorp, Eagle Financial Services, 1st Source, Burke & Herbert Financial Services, Origin Bancorp, Provident Financial Services, Flushing Financial Corporation, and WesBanco, issuing Buy and Neutral ratings and actively updating his outlook as market conditions shift. Navas has built a track record of precise sector analysis and actionable recommendations, as reflected in his frequent inclusion in analyst panels for major financial institutions and his results tracked on MarketBeat, where his buy recommendations demonstrate competitive performance metrics in sector benchmarks. Beginning his equity analyst role with D.A. Davidson, his credentials likely include FINRA registration and necessary securities licenses, given his responsibilities, with a reputation for sector expertise recognized among regional bank investors.

    Manuel Navis's questions to Community Financial System Inc (CBU) leadership

    Manuel Navis's questions to Community Financial System Inc (CBU) leadership • Q2 2025

    Question

    On behalf of Manuel Navis, Sharon Gee from D.A. Davidson inquired about the future trajectory of operating expenses following the Q2 restructuring charge and asked for an update on the branch acquisition, specifically how it integrates with the company's de novo expansion strategy.

    Answer

    CFO Marya Burgio Wlos stated that the restructuring charge was related to branch consolidations and that she expects operating expenses to be 'sort of be flat' going forward. CEO Dimitar Karaivanov reported that the branch acquisition is on track for a Q4 close and perfectly complements their organic growth strategy in the Lehigh Valley, which will result in a top-five market share presence in that area.

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