Welcome to our dedicated page for Community Financial System SEC filings (Ticker: CBU), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Community Financial System, Inc. (NYSE: CBU) SEC filings page on Stock Titan brings together the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, with AI-powered tools to help interpret the information. As a diversified financial services company focused on banking, employee benefit services, insurance services and wealth management services, Community Financial System, Inc. uses SEC filings to report material events, financial results, governance changes and capital actions.
Investors can review current reports on Form 8‑K, where the company discloses items such as quarterly and annual results of operations, acquisitions of bank branches, planned mergers involving subsidiaries, minority investments, stock repurchase authorizations, executive succession arrangements and board appointments. These filings often incorporate or reference press releases and investor presentations that provide additional context on strategy and performance.
On this page, users can also access annual reports on Form 10‑K and quarterly reports on Form 10‑Q when available, which typically contain detailed discussions of Community Financial System, Inc.’s business lines, risk factors and financial statements. For a financial services company with banking, employee benefit, insurance and wealth management operations, these periodic reports are central to understanding revenue sources, segment performance and risk management.
Stock Titan enhances these documents with AI-generated summaries that highlight key points, explain complex sections in plain language and help identify notable changes from prior periods. The platform also surfaces insider transaction filings on Form 4, where applicable, so users can track reported purchases and sales of CBU securities by directors and officers. Real-time updates from EDGAR ensure that new filings, including 10‑K, 10‑Q, 8‑K and Form 4 submissions, appear promptly, allowing investors to follow Community Financial System, Inc.’s regulatory disclosure record in one place.
Community Financial System, Inc. announced its results of operations for the third quarter ended September 30, 2025. The announcement was made on October 21, 2025 via a press release furnished as Exhibit 99.1 to an Item 2.02 Form 8-K. The company’s common stock trades on the NYSE under the symbol CBU. The materials were furnished, not filed, under the Exchange Act, and are available through the exhibit index.
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.
Michele Sullivan, a director of Community Financial System, Inc. (CBU), reported a grant of 416.318 units of deferred (phantom) stock under the company's Deferred Compensation Plan on 09/18/2025. Each unit equals one share of common stock and will be settled in Community Financial System, Inc. common stock at future dates chosen by the reporting person. The reported per-unit value for the award was $59.75. After this transaction Sullivan beneficially owned 2,620.6326 shares (direct). The Form 4 was signed by Danielle M. Cima on 09/22/2025 confirming the transaction.
Reporting person: Savneet Singh, Director of Community Financial System, Inc. (CBU). The Form 4 reports a transaction dated 09/18/2025 in which the reporting person acquired 351.4644 units of deferred (phantom) stock under the company's Deferred Compensation Plan at a reported price of $59.75 per share-equivalent. The filing shows 351.4644 units underlying common stock and a total beneficial ownership following the transaction of 1,014.6731 shares, held directly. The form explains each phantom unit equals one common share and will be settled in Community Financial System common stock at future dates selected by the reporting person. The Form 4 is signed/confirmed on 09/22/2025.
Neil E. Fesette, a director of Community Financial System, Inc. (CBU), reported a transaction dated 09/18/2025 on Form 4. He acquired 192.4686 units of phantom stock under the company's Deferred Compensation Plan, at an indicated price of $59.75 per unit; each unit is the economic equivalent of one share of CBU common stock and will be settled in common stock at future dates chosen by the reporting person. After the transaction, Mr. Fesette beneficially owned 7,381.9333 shares directly. The Form 4 was signed on behalf of Mr. Fesette by Danielle M. Cima on 09/22/2025.
Community Financial System, Inc. reported that its Board of Directors elected John A. Vaccaro as a new independent director, effective October 1, 2025. Vaccaro is Chairman Emeritus of MML Investors Services, LLC, a national broker-dealer and registered investment advisor with over $285 billion in assets under management, and Chairman of MassMutual Private Wealth & Trust, FSB, both subsidiaries of Massachusetts Mutual Life Insurance Company.
The Board determined that Vaccaro meets New York Stock Exchange and Board independence standards. With his addition, the Board now has 13 directors, 12 of whom are independent. Vaccaro also joins the Board of Community Bank, N.A., serving on its Trust Committee. There are no arrangements regarding his selection and no related party transactions requiring disclosure, and he will be compensated in line with other non-employee directors.
Insider transaction summary: The Form 4 reports that Jeffrey M. Levy, SVP & Chief Banking Officer and director-related officer of Community Financial System, Inc. (CBU), sold 1,440 shares of the issuer's common stock at a price of $61.375 per share on the transaction date reported. After the reported sale, Mr. Levy is shown as beneficially owning 6,656.6389 shares directly and 6,059.7858 shares indirectly through the company 401(k) plan. The filing includes a confirming signature attesting to the accuracy of the statement.
Form 144 notice for Community Financial System, Inc. (CBU) reports a proposed sale of 1,440 common shares on 08/26/2025 through Charles Schwab. The filing lists an aggregate market value of $87,887.09 and shows 52,857,077 shares outstanding. The securities being offered were acquired via RSU vesting: 758 shares on 03/01/2025 and 682 shares on 03/07/2025, with payment/consideration marked as N/A. The filer indicates no other securities sold in the past three months and includes the standard representation that the seller is not aware of undisclosed material adverse information. The document is a regulatory notice of an intended insider sale and does not provide operational or financial performance details.
Community Financial System, Inc. reported stronger results for the quarter and first half of 2025. Net income for the three months ended June 30, 2025 was $51.3 million, up from $47.9 million a year earlier, and six-month net income was $100.9 million versus $88.8 million. Net interest income rose to $124.7 million for the quarter from $109.4 million, while provision for credit losses increased modestly to $4.1 million for the quarter. Total assets grew to $16.67 billion and gross loans reached $10.52 billion, with total deposits of $13.70 billion.
The company disclosed a pending acquisition from Santander to assume approximately $600 million of deposits and acquire about $33 million of loans, with a deposit premium of 8% (approximately $48.0 million) and expected closing in the fourth quarter of 2025, subject to regulatory approval. The firm completed several smaller acquisitions in 2024 and 2025 that added intangible assets and goodwill and recorded contingent consideration arrangements. Accumulated other comprehensive loss improved to $(486.8) million, reflecting net unrealized investment gains during the six months.
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