Community Financial System Ownership

Who are the major shareholders and have insiders been buying or selling?

Recent Insider Transactions

DB:CBY Recent Insider Transactions by Companies or Individuals
Date	Value	Name	Entity	Shares	Max Price
05 Nov 24	Buy€18,229	Kerrie MacPherson	Individual	320	€56.96
13 Jun 24	Buy€40,430	Dimitar Karaivanov	Individual	1,000	€40.43
14 Feb 24	Buy€40,742	Dimitar Karaivanov	Individual	1,000	€40.74
29 Jan 24	Sell€158,008	Sally Steele	Individual	3,501	€45.13

Insider Trading Volume

Insider Buying: CBY insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

What is the ownership structure of CBY?
Owner Type	Number of Shares	Ownership Percentage
State or Government	25,359	0.0482%
Individual Insiders	663,136	1.26%
General Public	14,047,854	26.7%
Institutions	37,823,896	72%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Top 25 shareholders own 61.02% of the company

Ownership	Name	Shares	Current Value	Change %	Portfolio %
14.6%	BlackRock, Inc.	7,691,167	€466.7m	1.98%	0.01%
12.2%	The Vanguard Group, Inc.	6,419,201	€389.5m	0.24%	0.01%
6.25%	State Street Global Advisors, Inc.	3,287,276	€199.5m	-9.79%	0.01%
6.02%	Neuberger Berman Investment Advisers LLC	3,165,411	€192.1m	1.19%	0.15%
3.57%	Eaton Vance Management	1,878,240	€114.0m	-2.96%	0.03%
3.38%	Dimensional Fund Advisors LP	1,774,187	€107.7m	0.2%	0.02%
2.3%	Geode Capital Management, LLC	1,208,859	€73.4m	0.73%	0.01%
1.4%	Hermes Investment Management Limited	736,356	€44.7m	6.46%	0.28%
1.24%	Charles Schwab Investment Management, Inc.	652,991	€39.6m	1.53%	0.01%
1.01%	Northern Trust Global Investments	532,669	€32.3m	-1.24%	no data
1%	BNY Asset Management	527,774	€32.0m	-8.79%	0.01%
0.94%	Norges Bank Investment Management	496,409	€30.1m	0%	no data
0.91%	Segall Bryant & Hamill, LLC	479,845	€29.1m	-3.67%	0.38%
0.82%	Goldman Sachs Asset Management, L.P.	433,284	€26.3m	-6.95%	0.01%
0.73%	Public Employees' Retirement Association of Colorado	381,087	€23.1m	-0.26%	0.09%
0.72%	Teachers Insurance and Annuity Association-College Retirement Equities Fund	376,916	€22.9m	-10.1%	0.01%
0.69%	Morgan Stanley, Investment Banking and Brokerage Investments	363,047	€22.0m	-9.64%	no data
0.47%	Principal Global Investors, LLC	249,269	€15.1m	-4.73%	0.01%
0.46%	Nottingham Advisors Inc.	241,271	€14.6m	-2.07%	0.9%
0.43%	Waldron Wealth Management, LLC, Asset Management Arm	228,070	€13.8m	0%	0.58%
0.38%	Managed Account Advisors LLC	199,607	€12.1m	4.76%	no data
0.36%	Columbia Management Investment Advisers, LLC	189,796	€11.5m	-7.01%	no data
0.36%	Goldman Sachs Group, Investment Banking and Securities Investments	187,532	€11.4m	-29.5%	0.01%
0.35%	SEB Investment Management AB	185,345	€11.2m	8.21%	0.02%
0.35%	Mark Tryniski	184,838	€11.2m	0%	no data

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 11:08
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Community Financial System, Inc. is covered by 17 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Erik Zwick	Boenning & Scattergood, Inc.
Manuel Navas	D.A. Davidson & Co.
Russell Elliott Gunther	D.A. Davidson & Co.