Community Bank System (CBU)

COMMUNITY BANK NA, a subsidiary of Community Bank System Inc, COMMUNITY BANK NA, a subsidiary of Community Bank System Inc., COMMUNITY BANK SYSTEM INC, COMMUNITY BANK SYSTEM, INC.

SEC CIK

0000723188

Corporate docs

Articles of Incorporation & Bylaws

Underwriting Agreements

Plans of Reorganization

Indentures

Material Contracts & Credit Agreements

Subsidiaries Lists

Subsidiaries

Benefit Plans Administrative Services, Inc. • Benefit Plans Administrative Services, LLC • BPAS Actuarial and Pension Services, LLC • BPAS Trust Company • CBNA Preferred Funding Corp. • CBNA Treasury Management Corporation • Community Investment Services, Inc. • Emerald Necklace Ventures, LLC • Fringe Benefits Design of Minnesota, Inc. • Global Trust Company, Inc. ...

IRS number

161213679

CBU stock data

1M 3M 6M 1Y

Analyst ratings and price targets

Last 3 months

Keefe, Bruyette & Woods

Latest filings (excl ownership)

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Departure of Directors or Certain Officers

14 Feb 25

8-K

Community Financial System, Inc. Reports Fourth Quarter And Full Year 2024 Results

Departure of Directors or Certain Officers

12 Nov 24

Community Financial System, Inc. Reports Third Quarter 2024 Results

22 Oct 24

8-K

Departure of Directors or Certain Officers

30 Sep 24

8-K

Departure of Directors or Certain Officers

26 Sep 24

8-K

Regulation FD Disclosure

4 Sep 24

Transcripts

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CBU

Earnings call transcript

2024 Q4

21 Jan 25

CBU

Earnings call transcript

2024 Q3

22 Oct 24

CBU

Earnings call transcript

2024 Q2

23 Jul 24

CBU

Earnings call transcript

2024 Q1

23 Apr 24

CBU

Earnings call transcript

2023 Q4

23 Jan 24

CBU

Earnings call transcript

2023 Q3

24 Oct 23

CBU

Earnings call transcript

2023 Q2

31 Jul 23

CBU

Earnings call transcript

2023 Q2

31 Jul 23

CBU

Earnings call transcript

2023 Q1

25 Apr 23

CBU

Earnings call transcript

2022 Q4

24 Jan 23

Latest ownership filings

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JEFFREY M LEVY

28 Jan 25

144

Notice of proposed sale of securities

Financial summary

Financial statements Chart CBU financial data

Quarter (USD)	Dec 24	Sep 24	Jun 24	Mar 24
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 24	Dec 22	Dec 21	Dec 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	197.00 mm	197.00 mm	197.00 mm	197.00 mm	197.00 mm	197.00 mm
Cash burn (monthly)	49.70 mm	21.57 mm	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	103.40 mm	44.87 mm	n/a	n/a	n/a	n/a
Cash remaining	93.60 mm	152.13 mm	n/a	n/a	n/a	n/a
Runway (months of cash)	1.9	7.1	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q4 2024

CBU institutional ownership history Ownership history

73.2% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	249	251	-0.8%
Opened positions	33	35	-5.7%
Closed positions	35	27	+29.6%
Increased positions	89	80	+11.3%
Reduced positions	76	87	-12.6%

13F shares	Current	Prev Q	Change
Total value	2.31 tn	2.08 tn	+11.2%
Total shares	38.49 mm	36.95 mm	+4.2%
Total puts	100.00	200.00	-50.0%
Total calls	18.00 k	22.20 k	-18.9%
Total put/call ratio	0.0	0.0	-38.3%

Largest owners	Shares	Value	Change
BlackRock	7.51 mm	$463.16 bn	-2.4%
Vanguard	6.43 mm	$396.88 bn	+0.2%
STT State Street	3.64 mm	$226.05 bn	+10.7%
Neuberger Berman	3.39 mm	$208.87 bn	+7.0%
MS Morgan Stanley	2.29 mm	$141.48 bn	+2.3%
Dimensional Fund Advisors	1.77 mm	$109.47 bn	+0.0%
Geode Capital Management	1.20 mm	$74.17 bn	-0.6%
FHI Federated Hermes	831.39 k	$51.28 bn	+12.9%
NTRS Northern Trust	677.84 k	$41.81 bn	+27.3%
Charles Schwab Investment Management	661.32 k	$40.79 bn	+1.3%

Largest transactions	Shares	Bought/sold	Change
Norges Bank	563.86 k	+563.86 k	NEW
Deprince Race & Zollo	524.77 k	+524.77 k	NEW
STT State Street	3.64 mm	+350.30 k	+10.7%
JPM JPMorgan Chase & Co.	348.41 k	+236.03 k	+210.0%
Neuberger Berman	3.39 mm	+220.94 k	+7.0%
UBS UBS	240.28 k	+194.98 k	+430.4%
BlackRock	7.51 mm	-182.05 k	-2.4%
NTRS Northern Trust	677.84 k	+145.17 k	+27.3%
Nuveen Asset Management	238.49 k	-140.46 k	-37.1%
Assenagon Asset Management	144.82 k	+126.70 k	+699.3%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Recent insider trades

CBU insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
24 Jan 25	Jeffrey M Levy	Common Stock	Sell	Dispose S	No	No	65.98	1,136	74.95 k	6,538.639
15 Jan 25	Bolus Mark J.	Common Stock	Option exercise	Acquire M	No	No	0	712	0.00	101,769.069
15 Jan 25	Bolus Mark J.	Phantom Stock (Deferred Stock Units) Common Stock	Option exercise	Dispose M	No	No	0	712	0.00	2,672.786
13 Jan 25	Steele Sally A	Common Stock	Option exercise	Acquire M	No	No	0	28	0.00	38,783
13 Jan 25	Steele Sally A	Phantom Stock (Deferred Compensation) Common Stock	Option exercise	Dispose M	No	No	0	28	0.00	0
2 Jan 25	Steele Sally A	Common Stock	Option exercise	Acquire M	No	No	0	3,663	0.00	38,755
2 Jan 25	Steele Sally A	Phantom Stock (Deferred Compensation) Common Stock	Option exercise	Dispose M	No	No	0	3,663	0.00	0
19 Dec 24	Michele Sullivan	Deferred Stock (Deferred Compensation) Common Stock	Grant	Acquire A	No	No	61.23	326.637	20.00 k	1,362.029