[Form 3] COMMUNITY FINANCIAL SYSTEM, INC. Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

John A. Vaccaro, a director of Community Financial System, Inc. (CBU), filed an initial Form 3 reporting ownership of 175 shares of the issuer's common stock. The filing records the event date as 10/01/2025 and the form was signed by an attorney-in-fact on 10/06/2025. Ownership is reported as direct and no derivative securities are listed.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Vaccaro John A

(Last) (First) (Middle)

C/O COMMUNITY FINANCIAL SYSTEM, INC.

5790 WIDEWATERS PARKWAY

(Street)

DEWITT NY 13214

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
10/01/2025

3. Issuer Name and Ticker or Trading Symbol
COMMUNITY FINANCIAL SYSTEM, INC. [ CBU ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	175	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Danielle M. Cima, attorney-in-fact for John A. Vaccaro	10/06/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did John A. Vaccaro report on the Form 3 for CBU?

The filing reports direct ownership of 175 common shares and no derivative holdings.

When is the event date listed on the CBU Form 3 for John A. Vaccaro?

The event date is listed as 10/01/2025.

What is John A. Vaccaro's relationship to Community Financial System, Inc. (CBU)?

He is reported as a director of the company.

Was the Form 3 signed directly by John A. Vaccaro?

The signature block shows the form was signed by Danielle M. Cima, attorney-in-fact for John A. Vaccaro on 10/06/2025.

Does the Form 3 list any derivative securities for John A. Vaccaro at CBU?

No. Table II for derivative securities is blank and no derivatives are reported.