Community Financial System Ownership

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

Recent Insider Transactions

NYSE:CBU Recent Insider Transactions by Companies or Individuals
Date	Value	Name	Entity	Shares	Max Price
24 Jan 25	SellUS$74,953	Jeffrey Levy	Individual	1,136	US$65.98
05 Nov 24	BuyUS$19,902	Kerrie MacPherson	Individual	320	US$62.20
13 Jun 24	BuyUS$43,520	Dimitar Karaivanov	Individual	1,000	US$43.52

Insider Trading Volume

Insider Buying: CBU insiders have only sold shares in the past 3 months.

Ownership Breakdown

What is the ownership structure of CBU?
Owner Type	Number of Shares	Ownership Percentage
State or Government	25,313	0.048%
Individual Insiders	668,011	1.27%
General Public	13,076,027	24.8%
Institutions	38,942,973	73.9%

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

Top Shareholders

Top 25 shareholders own 62.86% of the company

Ownership	Name	Shares	Current Value	Change %	Portfolio %
14.3%	BlackRock, Inc.	7,509,117	US$421.1m	-2.37%	0.01%
12.2%	The Vanguard Group, Inc.	6,434,483	US$360.8m	0.24%	0.01%
6.9%	State Street Global Advisors, Inc.	3,637,573	US$204.0m	10.7%	0.01%
6.42%	Neuberger Berman Investment Advisers LLC	3,386,352	US$189.9m	6.98%	0.16%
3.74%	Eaton Vance Management	1,971,687	US$110.6m	4.98%	0.03%
3.37%	Dimensional Fund Advisors LP	1,774,709	US$99.5m	0.03%	0.02%
2.28%	Geode Capital Management, LLC	1,202,188	US$67.4m	-0.55%	no data
1.58%	Hermes Investment Management Limited	831,206	US$46.6m	12.9%	0.29%
1.29%	Northern Trust Global Investments	677,841	US$38.0m	27.3%	0.01%
1.25%	Charles Schwab Investment Management, Inc.	661,317	US$37.1m	1.28%	0.01%
1.07%	Norges Bank Investment Management	563,857	US$31.6m	13.6%	no data
1.07%	BNY Asset Management	561,824	US$31.5m	6.45%	0.01%
1%	DePrince, Race & Zollo, Inc.	524,768	US$29.4m	0%	0.61%
0.88%	Segall Bryant & Hamill, LLC	462,660	US$25.9m	-3.58%	0.38%
0.72%	Public Employees' Retirement Association of Colorado	381,087	US$21.4m	0%	0.09%
0.7%	UBS Asset Management AG	368,717	US$20.7m	138%	no data
0.61%	Morgan Stanley, Investment Banking and Brokerage Investments	322,136	US$18.1m	-11.3%	no data
0.59%	Goldman Sachs Asset Management, L.P.	311,701	US$17.5m	-28.1%	no data
0.49%	Principal Global Investors, LLC	256,643	US$14.4m	2.96%	0.01%
0.45%	JPMorgan Chase & Co, Brokerage and Securities Investments	239,160	US$13.4m	260%	0.01%
0.45%	Teachers Insurance and Annuity Association-College Retirement Equities Fund	236,456	US$13.3m	-37.3%	no data
0.43%	Waldron Wealth Management, LLC, Asset Management Arm	228,070	US$12.8m	0%	0.54%
0.38%	Managed Account Advisors LLC	199,196	US$11.2m	-0.21%	no data
0.38%	Goldman Sachs Group, Investment Banking and Securities Investments	198,528	US$11.1m	5.86%	0.01%
0.37%	Barrow, Hanley, Mewhinney & Strauss, LLC	194,526	US$10.9m	0%	0.03%

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/14 09:09
End of Day Share Price	2025/03/14 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

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 Github.

Analyst Sources

Community Financial System, Inc. is covered by 12 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.
Jacob Civiello	Janney Montgomery Scott LLC