What is the 13F Pro Quality Score for CBU?

13F Pro ranks COMMUNITY FINANCIAL SYSTEM, INC. (CBU) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CBU's current score at https://13fpro.ai/research/CBU (free sign-up required for the full ranking).

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.

What sector is CBU in?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CBU research updated on 13F Pro?

CBU's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

COMMUNITY FINANCIAL SYSTEM, INC.(CBU)Stock Analysis

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Financials →NYSE

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13F Pro Quality Score

65.8/100

Rank #560 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

64.4/100

Profitability

87.9/100

Balance Sheet

46.1/100

Earnings Quality

71.7/100

Free Cash Flow

84.9/100

Institutional Flow

55.2/100

Revenue Scale

45.6/100

Dilution Risk

49.6/100

CBU Stock Analysis & AI Quality Score

AI stock analysis and institutional research for COMMUNITY FINANCIAL SYSTEM, INC. (CBU), a Financials sector company. 13F Pro's AI-powered ranking engine scores CBU at 65.8/100 on a 32-signal composite quality model, placing it at rank #560 of 2,879 stocks — the top 25% of the AI-ranked universe. CBU scores in the top quartile across profitability (87.9), free cash flow (84.9). Shareholder dilution risk is elevated at 49.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), COMMUNITY FINANCIAL SYSTEM, INC. reports quarterly revenue of $215.2M, net income of $57.2M, an operating margin of 34.7%. Top institutional holders of CBU by reported 13-F value include BlackRock,, Neuberger Berman Group, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. 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. COMMUNITY FINANCIAL SYSTEM, INC.'s 13F Pro composite quality score has ranged between 8 and 90 since 2025, currently 65.8 — an improving long-term trajectory across 40 quarterly and live scoring snapshots.

Revenue

Q1 2026

$215.2M

Net Income

Q1 2026

$57.2M

Free Cash Flow

Q1 2026

$60.3M

Operating Margin

Q1 2026

34.7%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+9.7% YoY

$823.0MFY 2025

FY22 $683.9MFY23 $708.9MFY24 $750.5MFY25 $823.0M

Net Income

+15.3% YoY

$210.5MFY 2025

FY22 $188.1MFY23 $131.9MFY24 $182.5MFY25 $210.5M

EPS (Diluted)

+15.4% YoY

$3.97FY 2025

FY22 $3.46FY23 $2.45FY24 $3.44FY25 $3.97

Total Assets

+5.6% YoY

$17.30BFY 2025

FY22 $15.84BFY23 $15.56BFY24 $16.39BFY25 $17.30B

Total Debt

—FY 2025

FY22 —FY23 —FY24 $990.2MFY25 —

Op. Cash Flow

+24.6% YoY

$301.9MFY 2025

FY22 $214.6MFY23 $228.4MFY24 $242.3MFY25 $301.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$823.0M +9.7%	$750.5M +5.9%	$708.9M +3.6%	$683.9M	—	—
Net Income	$210.5M +15.3%	$182.5M +38.3%	$131.9M -29.9%	$188.1M -0.9%	$189.7M +15.2%	$164.7M
EPS (Diluted)	$3.97 +15.4%	$3.44 +40.4%	$2.45 -29.2%	$3.46 -0.6%	$3.48 +13.0%	$3.08
Total Assets	$17.30B +5.6%	$16.39B +5.3%	$15.56B -1.8%	$15.84B +1.8%	$15.55B +11.6%	$13.93B
Total Debt	—	$990.2M	—	—	—	—
Operating Cash Flow	$301.9M +24.6%	$242.3M +6.1%	$228.4M +6.4%	$214.6M +6.0%	$202.5M +12.8%	$179.5M

AI Insight: CBU Financial Trends

CBU delivered steady profitability with 19% net income growth year-over-year while building equity capital consistently.

• Revenue grew 10% from $197M in Q1 2025 to $215M in Q1 2026.

• Net income increased 14% year-over-year from $50M in Q1 2025 to $57M in Q1 2026.

• Equity expanded 21% from $1,670M in Q2 2024 to $2,024M in Q1 2026.

⚠ Operating cash flow volatility with 87% surge in Q3 2025 followed by 16% decline in Q4.

⚠ Revenue declined 1% sequentially from $217M in Q4 2025 to $215M in Q1 2026.

AI Insight: CBU Ratio Trends

CBU delivered consistent profitability with operating margin expanding from 32.6% in Q1 2025 to 34.7% in Q1 2026.

• Operating margin expanded from 32.6% in Q1 2025 to 34.7% in Q1 2026, peaking at 35.1% in Q3 2025.

• Net profit margin improved from 25.1% in Q1 2025 to 26.6% in Q1 2026.

• ROA strengthened from 1.2% in Q1 2025 to 1.3% in Q1 2026.

• ROE recovered from 9.8% trough in Q3 2024 to 11.3% in Q1 2026.

⚠ ROIC volatility with swing from 9.4% in Q4 2024 to 15.1% in Q3 2025.

⚠ Operating margin declined sequentially from 35.1% peak in Q3 2025 to 34.7% in Q1 2026.

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Available Research

13F Pro tracks comprehensive data for COMMUNITY FINANCIAL SYSTEM, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CBU

BlackRock, Inc.
$440.7M7,513,822 sh
Neuberger Berman Group LLC
$217.9M3,715,425 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$206.8M3,525,760 sh
STATE STREET CORP
$186.2M3,150,340 sh
FMR LLC
$177.5M3,026,372 sh
VANGUARD CAPITAL MANAGEMENT LLC
$139.2M2,374,139 sh
MORGAN STANLEY
$109.2M1,861,086 sh
DIMENSIONAL FUND ADVISORS LP
$106.6M1,818,395 sh
GEODE CAPITAL MANAGEMENT, LLC
$76.1M1,297,741 sh
FEDERATED HERMES, INC.
$44.3M754,801 sh

Fund	Value	Shares
BlackRock, Inc.	$440.7M	7,513,822
Neuberger Berman Group LLC	$217.9M	3,715,425
VANGUARD PORTFOLIO MANAGEMENT LLC	$206.8M	3,525,760
STATE STREET CORP	$186.2M	3,150,340
FMR LLC	$177.5M	3,026,372
VANGUARD CAPITAL MANAGEMENT LLC	$139.2M	2,374,139
MORGAN STANLEY	$109.2M	1,861,086
DIMENSIONAL FUND ADVISORS LP	$106.6M	1,818,395
GEODE CAPITAL MANAGEMENT, LLC	$76.1M	1,297,741
FEDERATED HERMES, INC.	$44.3M	754,801

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Is CBU a good stock to buy?

13F Pro's AI-powered analysis of COMMUNITY FINANCIAL SYSTEM, INC. (CBU) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CBU are available on the CBU stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CBU?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CBU. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of COMMUNITY FINANCIAL SYSTEM, INC.'s investment landscape.