Community Financial System, Inc. (CBU) — SEC Filings
Community Financial System, Inc. (CBU) — 44 SEC filings. Latest: ARS (Mar 27, 2026). Includes 27 8-K, 6 10-Q, 3 SC 13G/A.
View Community Financial System, Inc. on SEC EDGAR
Overview
Community Financial System, Inc. (CBU) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a ARS filed on Mar 27, 2026: Community Financial System, Inc. filed its Annual Report to Security Holders (ARS) on March 27, 2026, for the period ending December 31, 2025. The filing, with accession number 0001140361-26-011567, provides a comprehensive overview of the company's performance and financial standing for the fiscal
Sentiment Summary
Across 44 filings, the sentiment breakdown is: 2 bullish, 41 neutral, 1 mixed. The dominant filing sentiment for Community Financial System, Inc. is neutral.
Filing Type Overview
Community Financial System, Inc. (CBU) has filed 1 ARS, 1 DEFA14A, 27 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 3 SC 13G/A, 1 SC 13G, 1 8-K/A with the SEC between Jan 2024 to Mar 2026.
Filings by Year
Recent SEC Filings (44)
Risk Profile
Risk Assessment: Of CBU's 38 recent filings, 0 were flagged as high-risk, 7 as medium-risk, and 31 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Net Income | $156.033M |
| EPS | $1.04 |
| Cash Position | $245.247M |
| Total Assets | $16.957B |
Key Executives
- David J. Fanning
- Mark E. Tryniski
- Michael J. Rowett
- Scott A. Kingsley
- Robert J. McKeon
- David M. D'Amico
- Robert J. McMahon
- Michael J. Castellana
- December 31, 2023
Industry Context
Community financial institutions like CBU operate in a highly competitive landscape shaped by evolving customer preferences for digital banking, interest rate sensitivity, and a complex regulatory environment. Consolidation is a key trend, with larger banks leveraging scale and technology, while smaller institutions focus on niche markets and personalized service. The industry is also navigating the impact of macroeconomic factors such as inflation and interest rate policies on loan demand and deposit costs.
Top Tags
financials (8) · governance (7) · banking (6) · financial-reporting (6) · 8-K (5) · 10-Q (5) · 8-k (5) · corporate-governance (5) · institutional-ownership (4) · compensation (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (Q3 2025) | $55.088M | Increased 25.5% from $43.901M in Q3 2024 |
| Net Income (YTD Q3 2025) | $156.033M | Increased 17.6% from $132.688M in YTD Q3 2024 |
| Total Assets | $16.957B | As of September 30, 2025, up from $16.386B at December 31, 2024 |
| Loans, net of allowance for credit losses | $10.665B | As of September 30, 2025, up from $10.353B at December 31, 2024 |
| Deposits to be acquired from Santander | $570.0M | Expected from pending acquisition, with an 8.0% deposit premium |
| Deposit premium for Santander acquisition | $45.6M | Total cash consideration for the pending acquisition |
| Investment in Leap Holdings, Inc. | $37.4M | Acquisition cost for an equity method investment |
| Goodwill from Leap Holdings, Inc. acquisition | $27.1M | Embedded goodwill recognized from the investment |
| Accumulated Other Comprehensive Loss | $(453.164)M | Improved from $(548.085)M at December 31, 2024 |
| Basic Earnings Per Share (Q3 2025) | $1.04 | Increased from $0.83 in Q3 2024 |
| Dividend per Share (P2Y) | 0.0050 | Indicates dividend payout for the period. |
| Dividend per Share (P3Y) | 0.0050 | Indicates dividend payout for the period. |
| Fiscal Year End | 1231 | Indicates the end of the reporting period for the financial statements. |
| SEC File Number | 001-13695 | Unique identifier for the company's filings with the SEC. |
| Acquisition Value | $120 million | The total value of the transaction for acquiring Oneida Financial Corp. |
Forward-Looking Statements
- {"claim":"Community Bank System, Inc. stock may experience increased investor confidence due to Neuberger Berman's significant stake.","entity":"Community Bank System, Inc.","targetDate":"Next 6-12 months","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Community Financial System, Inc. (CBU)?
Community Financial System, Inc. has 44 recent SEC filings from Jan 2024 to Mar 2026, including 27 8-K, 6 10-Q, 3 SC 13G/A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of CBU filings?
Across 44 filings, the sentiment breakdown is: 2 bullish, 41 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Community Financial System, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Community Financial System, Inc. (CBU) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Community Financial System, Inc.?
Key financial highlights from Community Financial System, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for CBU?
The investment thesis for CBU includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Community Financial System, Inc.?
Key executives identified across Community Financial System, Inc.'s filings include David J. Fanning, Mark E. Tryniski, Michael J. Rowett, Scott A. Kingsley, Robert J. McKeon and 4 others.
What are the main risk factors for Community Financial System, Inc. stock?
Of CBU's 38 assessed filings, 0 were flagged high-risk, 7 medium-risk, and 31 low-risk.
What are recent predictions and forward guidance from Community Financial System, Inc.?
Recent forward-looking statements from Community Financial System, Inc. include guidance on {"claim":"Community Bank System, Inc. stock may experience increased investor confidence due to Neuberger Berman's signi.