CBU is the ticker symbol for COMMUNITY FINANCIAL SYSTEM, INC., a publicly traded Financials sector company listed on NYSE. 13F Pro tracks CBU with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is CBU a good stock to buy?

13F Pro's AI ranking engine scores CBU at 60.7/100, ranked #843 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for CBU is available at https://13fpro.ai/company/CBU. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source CBU data?

All COMMUNITY FINANCIAL SYSTEM, INC. fundamentals and ownership data come directly from SEC EDGAR. COMMUNITY FINANCIAL SYSTEM, INC. files with the SEC under CIK 723188. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

COMMUNITY FINANCIAL SYSTEM, INC. CBU

NYSEMid CapFinancials

13F Pro quality score

Rank #843 of 2,925TOP 50%

Why it scores 61 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$223.16M

Quarter to Jun 30

Net income

$61.33M

Quarter to Jun 30

Free cash flow

$41.38M

Quarter to Jun 30

Operating margin

36.2%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$2.75B total

BlackRock, Inc.

$507.21M+0.6%

FMR LLC

$246.87M+21.5%

VANGUARD PORTFOLIO MANAGEMENT LLC

$238.21M+0.7%

Neuberger Berman Group LLC

$232.01M-7.0%

STATE STREET CORP

$223.93M+5.2%

VANGUARD CAPITAL MANAGEMENT LLC

$158.72M-0.4%

DIMENSIONAL FUND ADVISORS LP

$123.73M+1.4%

MORGAN STANLEY

$112.92M-9.6%

GEODE CAPITAL MANAGEMENT, LLC

$91.29M+4.8%

FEDERATED HERMES, INC.

$49.57M-2.2%

NORTHERN TRUST CORP

$44.14M+6.0%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$42.64M-0.6%

NORGES BANK

$38.07M--

Bank of New York Mellon Corp

$36.52M+2.5%

MASSACHUSETTS FINANCIAL SERVICES CO /MA/

$30.23MNew

Riggs Asset Managment Co. Inc.

$27.62M-1.4%

SEGALL BRYANT & HAMILL, LLC

$26.33MNew

DEPRINCE RACE & ZOLLO INC

$24.71M-30.7%

VANGUARD FIDUCIARY TRUST CO

$23.95M+3.2%

BASSWOOD CAPITAL MANAGEMENT, L.L.C.

$21.55MNew

NFJ INVESTMENT GROUP, LLC

$17.46M-61.8%

UBS Group AG

$17.41M+70.5%

PRINCIPAL FINANCIAL GROUP INC

$17.10M-0.7%

BANK OF AMERICA CORP /DE/

$16.58M-58.8%

ADAGE CAPITAL PARTNERS GP, L.L.C.

$15.89M+208.4%

See all 282 institutional holders →

What's Driving CBU's Business? Latest 10-Q Breakdown

23/23 datapoints verified

AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 19.5% YoY to $61.3 million ($1.16 diluted EPS) as net interest margin expanded 19bps to 3.49% (FTE) on higher loan yields and lower deposit costs.

Biggest Revenue Drivers

Banking and Corporate$160.3M+11.1% YoY

Driven by net interest income growth and higher banking noninterest revenues including deposit fees and debit interchange.

Employee Benefit Services$35.0M+6.7% YoY

Revenue growth in recordkeeping and third-party administration due in part to acquisitions and higher average market values of assets under administration.

Biggest Revenue Drivers

Total revenue: $223.2M+12.0% YoY

Banking and Corporate$160.3M+11.1% YoY

Driven by net interest income growth and higher banking noninterest revenues including deposit fees and debit interchange.

Employee Benefit Services$35.0M+6.7% YoY

Revenue growth in recordkeeping and third-party administration due in part to acquisitions and higher average market values of assets under administration.

Insurance Services$13.2M-1.4% YoY

Decrease primarily due to lower contingent commission revenues.

Wealth Management Services$10.4M+12.4% YoY

Higher average market values of assets under management and revenue from the ClearPoint acquisition completed in the quarter.

Largest Expense Items

Salaries and employee benefits$82.4M+4.3% YoY

Incremental costs from acquisitions and de novo bank branches opened between periods, plus annual merit-based increases.

Data processing and communications$19.7M+17.9% YoY

Reflects continued investment in customer-facing and back-office technologies, including artificial intelligence applications.

Occupancy and equipment$13.9M+20.9% YoY

Incremental costs from opening de novo bank branches and regional headquarters and the Santander branch acquisition.

Margins: Net interest margin (FTE, non-GAAP) rose 19 bps YoY to 3.49% as loan yields increased and the cost of interest-bearing liabilities fell 18 bps; the efficiency ratio improved to 61.7% from 64.8% as revenue growth outpaced expense growth.

Watch Items from the Filing

DOL filed an ERISA breach-of-fiduciary-duty complaint against subsidiary Hand Benefits & Trust on June 25, 2026; the Company deems a loss reasonably possible but not probable and has recorded no accrual.
Non-owner occupied CRE exposure (including multifamily) equals 16% of total assets, 25% of total loans, and 201% of total bank-level regulatory capital.
Estimated uninsured deposits, net of collateralized and intercompany balances, were approximately $2.82 billion, though liquidity sources cover roughly 239% of that amount.
On August 3, 2026 (subsequent event) the Company sold $296.8 million of lower-yielding AFS Treasuries at a $3.0 million realized loss to repay overnight borrowings, expected to be accretive to net interest income with a ~0.4 year earn-back.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

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About COMMUNITY FINANCIAL SYSTEM, INC. (CBU): stock profile, AI score and financials

COMMUNITY FINANCIAL SYSTEM, INC. (CBU) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores CBU at 60.7/100 on a composite quality score built from its SEC filings, placing it at rank #843 of 2,925 stocks — the top half of the AI-ranked universe. CBU scores in the top quartile across profitability (86.7), free cash flow (82.7). Shareholder dilution risk is elevated at 48.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), COMMUNITY FINANCIAL SYSTEM, INC. reports quarterly revenue of $223.2M, net income of $61.3M, an operating margin of 36.2%. CBU trades on the NYSE exchange and files with the SEC under CIK 723188. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CBU daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for COMMUNITY FINANCIAL SYSTEM, INC. directly from SEC EDGAR.

SEC EDGAR: CIK 723188 →

COMMUNITY FINANCIAL SYSTEM, INC. CBU

Top Institutional Holders

What's Driving CBU's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Congress trading in CBU

About COMMUNITY FINANCIAL SYSTEM, INC. (CBU): stock profile, AI score and financials