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Manuel Navis

Senior Vice President and Equity Research Analyst at D.a. Davidson & Co.

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 (CBU) leadership

Question · Q2 2025

On behalf of Manuel Navis, Sharon Gee from D.A. Davidson asked about the outlook for operating expense trends following the recent restructuring and sought more detail on the progress of the Santander branch acquisition and how it integrates with the company's de novo expansion strategy.

Answer

CFO Marya Burgio Wlos explained that the restructuring charge related to branch consolidations and that she expects operating expenses to be relatively flat going forward. CEO Dimitar Karaivanov added that the branch acquisition is on track for a Q4 2025 closing and perfectly complements their organic growth, creating a top-five market share presence in the Lehigh Valley.

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Question · Q2 2025

Speaking on behalf of Manuel Navis, Sharon Gee from D.A. Davidson & Co. inquired about future operating expense trends following the recent restructuring and asked for an update on the Santander branch acquisition and its integration with the de novo expansion strategy.

Answer

CFO Marya Burgio Wlos stated that operating expenses are expected to be relatively flat going forward, viewing the restructuring as a positive step in evolving the service platform. CEO Dimitar Karaivanov confirmed the branch acquisition is on track for a Q4 close and is a perfect complement to the organic de novo strategy, which will create a top-five market presence in the Lehigh Valley.

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Question · Q2 2025

Manuel Navis of D.A. Davidson & Co., with Sharon Gee asking on his behalf, questioned future operating expense (OpEx) trends following recent restructuring and how the Santander branch acquisition integrates with the company's de novo expansion plans.

Answer

CFO Marya Burgio Wlos explained the restructuring charge was related to branch consolidation and that OpEx is expected to be relatively flat going forward. CEO Dimitar Karaivanov stated the branch acquisition is a 'perfect complement' to their organic strategy, bringing their presence in the Lehigh Valley to 10 branches and achieving a top-five market share.

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Question · Q2 2025

Manuel Navis of D.A. Davidson asked about the trajectory of operating expenses following the Q2 restructuring charge and sought an update on the recently announced branch acquisition, specifically how it integrates with the bank's de novo expansion strategy.

Answer

CFO Marya Burgio Wlos stated that the restructuring charge was related to branch consolidations and that operating expenses are expected to remain relatively flat going forward. CEO Dimitar Karaivanov reported that the branch acquisition is proceeding as planned for a Q4 closing and serves as a perfect complement to the organic de novo strategy, significantly boosting their branch presence and market share in the Lehigh Valley.

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