CBU Community Financial System (CBU) Insider Trading, Ownership & Congress Trades
Banks · National commercial banks · CIK 0000723188
Cluster · 3 insidersForm 144 · 1
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
152
13F, latest reported quarter
Conversions, 180 days
2
Codes C/M, not in net · $75.0K priced
What the filings say about CBU
Insiders, 180 days
-$869.5K net sold
3 buyers · 2 sellers · 0% of sales under a 10b5-1 plan
Congress, 1 year
No trades
Last one: sale, 2025-06-17
Planned sales (Form 144), 90 days
$155.0K
1 notice
Community Financial System insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, COMMUNITY FINANCIAL SYSTEM, INC. insiders sold a net $869.5K of stock across 39 Form 4 purchases and sales, with 3 insiders buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 95.7% of the 418 shares held after it.
- 2 other insiders bought within 30 days.
- 152 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Singh Savneet bought about $25.0K of CBU on Sep 9, 2026; 2 other insiders bought within 30 days and 152 funds added in the latest 13F quarter.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 64.4% of the 492 shares held after it.
- 2 other insiders bought within 30 days.
- 152 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Vaccaro John A bought about $20.0K of CBU on Aug 27, 2026; 2 other insiders bought within 30 days and 152 funds added in the latest 13F quarter.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 92.4% of the 515 shares held after it.
- 2 other insiders bought within 30 days.
- 152 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Hall Brenda M bought about $30.3K of CBU on Aug 24, 2026, the largest insider purchase at the company since 2024; 2 other insiders bought within 30 days and 152 funds added in the latest 13F quarter.Context
- 5 earlier Form 4 trades (code P or S) here by this insider (5 sales), the last on Nov 6, 2024.
- The trade is 13.0% of the 94,060 shares held after it.
- 1 other insider sold within 30 days.
- 152 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Bolus Mark J. sold about $816.8K of CBU on Jun 25, 2026, the largest insider sale at the company on our record; 1 other insider sold within 30 days and 152 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Feb 3, 2026.
- The trade is 6.3% of the 31,592 shares held after it.
- 1 other insider sold within 30 days.
- 152 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director STICKELS ERIC sold about $128.0K of CBU on Jun 8, 2026; 1 other insider sold within 30 days and 152 funds added in the latest 13F quarter.39 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$869.5K over 180 days
+$75.3K over 90 days
below 69% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
152 funds bought in last quarter
more than 70% of Banks
Revenue
+9.6% year over year
more than 68% of Banks
Margin
25.7% net margin
below 81% of Banks
Buybacks
$16.1M repurchased, FY to 2026-06-30
more than 61% of Banks
Short interest
3.9% of the float short (float per yahoo 2026-10-26) · 5.5 days to cover · settled 2026-09-30
more than 65% of Banks
What changed in the last 30 days
Oct 22BOARD OF DIRECTOR Sally Steele filed to sell $155.0K by Oct 22 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Watch CBU
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+12.8%12M
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns CBU: institutional holders (13F)
13F holdings, latest reported quarter
7,556,770 sh
$507.2M
3,678,108 sh
$246.9M
3,549,062 sh
$238.2M
3,456,640 sh
$232.0M
3,313,651 sh
$223.9M
Congress trades in CBU
STOCK Act disclosures, US House only, filed up to 45 days after the trade
Sold 2025-06-17 · disclosed 57 days later
$1,001 - $15,000
Bought 2025-06-11 · disclosed 63 days later
$1,001 - $15,000
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
CBU planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
Sally Steele
Filed 2026-10-22
$155.0K
Sally Steele
Filed 2026-07-20
$1.1M
Bolus Mark J.
Filed 2026-06-26
$816.0K
CBU mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Calvert Small Cap Fund
$40.1M position · as of 2026-06-30
3.1%
Eaton Vance Small-Cap Fund
$4.0M position · as of 2026-06-30
3.1%
TAX MANAGED SMALL CAP PORTFOLIO
$5.5M position · as of 2026-07-31
2.9%
Virtus NFJ Mid-Cap Value Fund
$11.7M position · as of 2026-06-30
2.1%
Neuberger Small-Mid Cap ETF
$4.7M position · as of 2026-05-31
2.1%
Virtus NFJ Small-Cap Value Fund
$5.3M position · as of 2026-06-30
2.1%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return · Mr. Tryniski
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2023
$2.5M
$1.8M
$1.0M
+3%
+43%
2022
$349.6K
$2.1M
$793.1K
+33%
+19%
2021
$3.2M
$3.3M
$1.2M
+53%
+28%
2020
$5.2M
$2.2M
$940.0K
+25%
-7%
2019
$5.2M
$4.1M
$1.4M
+38%
+2%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
3 insiders reported buying shares.
The record shows a net $869.5K sold by insiders over 180 days, 152 funds added last quarter, $155.0K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
CBU financials
Revenue growth
+9.6%
XBRL, annual
Net margin
25.7%
Complaints, 90 days
7
- YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$858.9M
four quarters, 2025-07-01 to 2026-06-30
Revenue, TTM CBU
| FY Dec 2025 | $818.0M |
| FY Dec 2024 | $746.3M |
| FY Dec 2023 | $679.4M |
| FY Dec 2022 | $679.4M |
| FY Dec 2021 | n/a |
| Jun 2026 | $223.2M |
| Mar 2026 | $213.3M |
| Dec 2025 | $215.5M |
| Sep 2025 | $207.1M |
| Jun 2025 | $199.3M |
| Mar 2025 | $196.2M |
| Dec 2024 | $196.3M |
| Sep 2024 | $188.9M |
At each fiscal year end
Single quarter
Net margin, TTM
+26.6%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM CBU
| FY Dec 2025 | +25.7% |
| FY Dec 2024 | +24.5% |
| FY Dec 2023 | +19.4% |
| FY Dec 2022 | +27.7% |
| FY Dec 2021 | n/a |
| Jun 2026 | +27.5% |
| Mar 2026 | +26.8% |
| Dec 2025 | +25.3% |
| Sep 2025 | +26.6% |
| Jun 2025 | +25.8% |
| Mar 2025 | +25.3% |
| Dec 2024 | +25.4% |
| Sep 2024 | +23.2% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$246.7M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM CBU
| FY Dec 2025 | $233.3M |
| FY Dec 2024 | $221.6M |
| FY Dec 2023 | $209.8M |
| FY Dec 2022 | $201.7M |
| FY Dec 2021 | $189.2M |
| Jun 2026 | $41.4M |
| Mar 2026 | $60.3M |
| Dec 2025 | $61.6M |
| Sep 2025 | $83.4M |
| Jun 2025 | $36.4M |
| Mar 2025 | $52.0M |
| Dec 2024 | $58.5M |
| Sep 2024 | $51.9M |
At each fiscal year end
Single quarter
Debt to equity
0.50x
long-term 2024-12-31 (18 months older than the period end) plus current 2018-12-31 (91 months older than the period end); equity 2026-06-30
Debt to equity CBU
| FY Dec 2025 | 0.52x |
| FY Dec 2024 | 0.59x |
| FY Dec 2023 | 0.03x |
| FY Dec 2022 | 0.04x |
| FY Dec 2021 | 0.03x |
| Jun 2026 | 0.50x |
| Mar 2026 | 0.52x |
| Dec 2025 | 0.52x |
| Sep 2025 | 0.54x |
| Jun 2025 | 0.55x |
| Mar 2025 | 0.57x |
| Dec 2024 | 0.59x |
| Sep 2024 | 0.03x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.30x
TTM operating cash flow over long-term 2024-12-31 (18 months older than the period end) plus current 2018-12-31 (91 months older than the period end)
Cash flow to debt CBU
| FY Dec 2025 | 0.29x |
| FY Dec 2024 | 0.23x |
| FY Dec 2023 | 4.20x |
| FY Dec 2022 | 3.94x |
| FY Dec 2021 | 3.72x |
| Jun 2026 | 0.30x |
| Mar 2026 | 0.30x |
| Dec 2025 | 0.29x |
| Sep 2025 | 0.27x |
| Jun 2025 | 0.23x |
| Mar 2025 | 0.22x |
| Dec 2024 | 0.23x |
| Sep 2024 | 4.07x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+11.5%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity CBU
| FY Dec 2025 | +11.2% |
| FY Dec 2024 | +10.5% |
| FY Dec 2023 | +8.1% |
| FY Dec 2022 | +10.3% |
| FY Dec 2021 | +9.0% |
| Jun 2026 | +11.5% |
| Mar 2026 | +11.3% |
| Dec 2025 | +11.2% |
| Sep 2025 | +11.1% |
| Jun 2025 | +11.0% |
| Mar 2025 | +11.0% |
| Dec 2024 | +10.5% |
| Sep 2024 | +10.0% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.3%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets CBU
| FY Dec 2025 | +1.2% |
| FY Dec 2024 | +1.1% |
| FY Dec 2023 | +0.8% |
| FY Dec 2022 | +1.2% |
| FY Dec 2021 | +1.3% |
| Jun 2026 | +1.3% |
| Mar 2026 | +1.3% |
| Dec 2025 | +1.2% |
| Sep 2025 | +1.2% |
| Jun 2025 | +1.2% |
| Mar 2025 | +1.2% |
| Dec 2024 | +1.1% |
| Sep 2024 | +1.0% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital CBU
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed CBU
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
14.47x
close 2026-10-27 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing CBU
| FY Dec 2025 | 14.47x |
| FY Dec 2024 | 17.93x |
| FY Dec 2023 | 21.27x |
| FY Dec 2022 | 18.19x |
| FY Dec 2021 | 21.40x |
| Jun 2026 | 15.57x |
| Mar 2026 | 14.24x |
| Dec 2025 | 14.47x |
| Sep 2025 | 15.11x |
| Jun 2025 | 15.50x |
| Mar 2025 | 15.75x |
| Dec 2024 | 17.93x |
| Sep 2024 | 18.55x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$4.1B
market value at close 2026-10-27 on 2026-07-31 shares, plus long-term 2024-12-31 (18 months older than the period end) plus current 2018-12-31 (91 months older than the period end), minus cash 2026-06-30
Enterprise value CBU
| FY Dec 2025 | $3.8B |
| FY Dec 2024 | $4.1B |
| FY Dec 2023 | $2.6B |
| FY Dec 2022 | $3.2B |
| FY Dec 2021 | $2.2B |
| Jun 2026 | $4.3B |
| Mar 2026 | $3.6B |
| Dec 2025 | $3.8B |
| Sep 2025 | $3.9B |
| Jun 2025 | $3.8B |
| Mar 2025 | $3.5B |
| Dec 2024 | $4.1B |
| Sep 2024 | $2.8B |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+7.5%
TTM free cash flow over market value at close 2026-10-27
FCF yield CBU
| FY Dec 2025 | +7.7% |
| FY Dec 2024 | +6.8% |
| FY Dec 2023 | +7.5% |
| FY Dec 2022 | +6.0% |
| FY Dec 2021 | +4.7% |
| Jun 2026 | +7.0% |
| Mar 2026 | +7.8% |
| Dec 2025 | +7.7% |
| Sep 2025 | +7.4% |
| Jun 2025 | +6.6% |
| Mar 2025 | +6.5% |
| Dec 2024 | +6.8% |
| Sep 2024 | +6.7% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.83x
P/E over trailing EPS growth of 17%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing CBU
| FY Dec 2025 | 0.94x |
| FY Dec 2024 | 0.44x |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 1.60x |
| Jun 2026 | 0.89x |
| Mar 2026 | 1.01x |
| Dec 2025 | 0.94x |
| Sep 2025 | 0.63x |
| Jun 2025 | 0.88x |
| Mar 2025 | 0.96x |
| Dec 2024 | 0.44x |
| Sep 2024 | 1.52x |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-27. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $818.0M | $746.3M | $652.1M | $679.4M |
| Net income | $210.5M | $182.5M | $131.9M | $188.1M |
| EPS (diluted) | 3.97 | 3.44 | 2.45 | 3.46 |
| Operating cash flow | $301.9M | $242.3M | $228.4M | $214.6M |
| Cash | $301.8M | $197.0M | $191.0M | $209.9M |
| Long-term debt | n/a | $990.2M | n/a | n/a |
| Buybacks | $11.2M | $45.8M | $30.0M | $16.6M |
| Dividends paid | $97.6M | $95.8M | $95.1M | $93.4M |
SEC XBRL, fiscal years, as known on 2026-10-28
CBU Stock Sonar score 6/7 axes
Find similar shapesCompareCBU ranks highest on institutional and government (70th percentile) and profitability (69th), and lowest on financial health (34th), among Banks peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
CBU filings, in plain words
Are Community Financial System insiders buying or selling CBU?
In the 180 days to 2026-10-28, Community Financial System insiders were net sellers, a net $869.5K: $75.3K of purchases and $944.7K of sales reported on Form 4, by 3 buyers and 2 sellers.
Have members of Congress traded CBU?
Yes, but not in the year to 2026-10-28; the latest on record is a sale by Lisa McClain dated 2025-06-17.
Are there planned insider sales of CBU?
Yes. 1 Form 144 notice of planned insider sales was filed in the 90 days to 2026-10-28, covering $155.0K of stock; the latest, by Sally Steele, was filed 2026-10-22.
Read the full summary
In the 180 days to 2026-10-28, Community Financial System insiders were net sellers of CBU, a net $869.5K across purchases and sales reported on Form 4 by 3 buyers and 2 sellers. Sales outweighed purchases more than tenfold by value. 3 different insiders reported purchases within the last 90 days, a cluster buy, which is rarer than a single purchase. Members of Congress have disclosed trades in CBU, none in the last year; the latest on record is a sale by Lisa McClain dated 2025-06-17. Insiders filed 1 Form 144 notice of intent to sell in the 90 days to 2026-10-28, covering $155.0K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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