STOCK TITAN

Director Pecor (NYSE: CBU) settles phantom stock units into common shares

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Pecor Raymond C III reported acquisition or exercise transactions in this Form 4 filing.

Community Financial System, Inc. director Raymond C. Pecor III reported routine compensation-related activity involving phantom stock units. On April 29, 2026, his phantom stock units were settled for 9 shares of common stock, with 0.4418 of a share settled in cash at $63.17 per share. Following the settlement, he directly holds 11,448.221 common shares and has 7,180.8232 phantom stock units outstanding, while a trust associated with him holds 11,277.977 common shares. He formally disclaims beneficial ownership of the trust-held securities.

Positive

  • None.

Negative

  • None.
Insider Pecor Raymond C III
Role null
Type Security Shares Price Value
Exercise Phantom Stock (Deferred Stock Units) 9 $0.00 --
Exercise Common Stock 9 $0.00 --
holding Common Stock -- -- --
Holdings After Transaction: Phantom Stock (Deferred Stock Units) — 7,180.823 shares (Direct, null); Common Stock — 11,448.221 shares (Direct, null); Common Stock — 11,277.977 shares (Indirect, By Trust)
Footnotes (1)
  1. On April 29, 2026, the reporting person's phantom stock units were settled for 9 shares of Community Financial System, Inc. common stock, and .4418 shares were settled in cash at the price of $63.17 per share. The reporting person disclaims beneficial ownership of these securities, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or any other purpose. The reporting person has received deferred stock units under the Community Financial System, Inc. 2022 Long-Term Incentive Plan, as amended (the "LTIP"). Each phantom stock unit which represents a deferred stock unit is the economic equivalent of one share of Community Financial System, Inc. common stock and will be settled in common stock at a predetermined date. Includes 54.1540 units of phantom stock acquired on April 10, 2026 under the LTIP's dividend reinvestment feature.
Shares from phantom stock settlement 9 shares Common stock received on April 29, 2026 from phantom stock units
Cash-settled fractional share equivalent 0.4418 shares at $63.17/share Portion of phantom stock settlement paid in cash
Direct common shares after transaction 11,448.221 shares Direct holdings following April 29, 2026 settlement
Trust-held common shares 11,277.977 shares Indirect ownership reported as held by trust
Outstanding phantom stock units 7,180.8232 units Deferred stock units remaining after settlement
Phantom Stock (Deferred Stock Units) financial
"Phantom Stock (Deferred Stock Units)"
Section 16 regulatory
"for purposes of Section 16 or any other purpose"
Section 16 is a U.S. securities law rule that governs the trading and disclosure obligations of company insiders — typically officers, directors and large shareholders — to promote transparency and deter unfair profit-taking. It requires insiders to publicly report their stock trades and allows companies or the issuer to reclaim quick, short-term profits from certain insider trades, like a scoreboard and a refund policy that help investors see and limit possible insider advantage.
Long-Term Incentive Plan financial
"Community Financial System, Inc. 2022 Long-Term Incentive Plan, as amended"
A long-term incentive plan is a company program that pays executives or employees with stock, options, or cash tied to multi-year performance goals, where the rewards become theirs only after meeting conditions over time. Think of it as a delayed bonus or retirement-style reward that aligns employees’ interests with shareholders by encouraging them to boost long-term value; investors watch these plans because they affect pay costs, share dilution and management incentives.
dividend reinvestment feature financial
"acquired on April 10, 2026 under the LTIP's dividend reinvestment feature"
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Pecor Raymond C III

(Last)(First)(Middle)
C/O COMMUNITY FINANCIAL SYSTEM, INC.
333 BUTTERNUT DRIVE

(Street)
SYRACUSE NEW YORK 13214

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
COMMUNITY FINANCIAL SYSTEM, INC. [ CBU ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/29/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock04/29/2026M9A(1)11,448.221D
Common Stock11,277.977IBy Trust(2)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Phantom Stock (Deferred Stock Units)(3)04/29/2026M9 (3) (3)Common Stock9(1)7,180.8232(4)D
Explanation of Responses:
1. On April 29, 2026, the reporting person's phantom stock units were settled for 9 shares of Community Financial System, Inc. common stock, and .4418 shares were settled in cash at the price of $63.17 per share.
2. The reporting person disclaims beneficial ownership of these securities, and the inclusion of these shares in this report shall not be deemed an admission of beneficial ownership of all of the reported shares for purposes of Section 16 or any other purpose.
3. The reporting person has received deferred stock units under the Community Financial System, Inc. 2022 Long-Term Incentive Plan, as amended (the "LTIP"). Each phantom stock unit which represents a deferred stock unit is the economic equivalent of one share of Community Financial System, Inc. common stock and will be settled in common stock at a predetermined date.
4. Includes 54.1540 units of phantom stock acquired on April 10, 2026 under the LTIP's dividend reinvestment feature.
/s/ Danielle M. Cima, pursuant to a Confirming Statement executed by Raymond C. Pecor, III05/01/2026
** Signature of Reporting PersonDate
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 4 (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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider activity did CBU director Raymond C. Pecor III report?

Director Raymond C. Pecor III reported a routine settlement of phantom stock units into 9 shares of Community Financial System common stock. A small fractional 0.4418 share equivalent was settled in cash at $63.17 per share under the company’s long-term incentive plan.

How many Community Financial System (CBU) shares does Pecor hold after this filing?

After the reported transactions, Raymond C. Pecor III directly holds 11,448.221 Community Financial System common shares. In addition, a trust associated with him holds 11,277.977 common shares, and he maintains 7,180.8232 phantom stock units under the company’s long-term incentive plan.

What are phantom stock (deferred stock units) in the CBU Form 4 filing?

Phantom stock units in this filing are deferred stock units granted under Community Financial System’s 2022 Long-Term Incentive Plan. Each unit is economically equivalent to one common share and is settled in stock or cash at a predetermined date, reflecting compensation rather than open-market trading activity.

Was there any open-market buying or selling of CBU stock in this Form 4?

The Form 4 reflects an exercise or conversion of phantom stock units into 9 shares, not open-market buying or selling. A small 0.4418 share equivalent was settled in cash at $63.17 per share, consistent with compensation-related settlement terms rather than discretionary trades.

How does the trust holding affect Pecor’s reported CBU ownership?

A trust associated with Raymond C. Pecor III holds 11,277.977 Community Financial System common shares. The filing states he disclaims beneficial ownership of these securities, meaning their inclusion is for reporting purposes and not an admission of full beneficial ownership under Section 16 rules.