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/company/CBU (free sign-up required for the full ranking).

Which hedge funds own the most CBU stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CBU include BlackRock,, FMR, VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/CBU as soon as new 13F filings post.

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.

What drives CBU's revenue?

Per COMMUNITY FINANCIAL SYSTEM, INC.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Banking and Corporate ($160.3M, +11.1% YoY); Employee Benefit Services ($35.0M, +6.7% YoY); Insurance Services ($13.2M, -1.4% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/CBU.

What are CBU's largest expenses?

COMMUNITY FINANCIAL SYSTEM, INC.'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($82.4M, +4.3% YoY); Data processing and communications ($19.7M, +17.9% YoY); Occupancy and equipment ($13.9M, +20.9% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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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13F Pro Quality Score

60.4/100

Rank #859 of 2,962 stocksTOP 50%

View Financials peers →

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

Revenue Growth

59.5/100

Profitability

86.9/100

Balance Sheet

47.5/100

Earnings Quality

58.7/100

Free Cash Flow

82.5/100

Institutional Flow

57.4/100

Revenue Scale

47.5/100

Dilution Risk

49.2/100

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Why CBU Scores 60/100

exact factor attribution · 2026-09-11

CBU's composite is driven by profitability and free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+7.4 pts

87th pct

Free cash flow

+4.9 pts

83th pct

Revenue growth

+2.5 pts

60th pct

Earnings growth

+0.9 pts

64th pct

Earnings quality

+0.9 pts

59th pct

Institutional flow

+0.5 pts

57th pct

Shareholder dilution

-0.1 pts

49th pct

Capital efficiency

-0.3 pts

48th pct

Scale

-0.5 pts

48th pct

Latest change (2026-08-07): 66 → 70 · ↑ Revenue growth 64→83; despite ↓ Earnings growth 72→55

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CBU Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 60.4/100 on a 32-signal composite quality model, placing it at rank #859 of 2,962 stocks — the top half of the AI-ranked universe. CBU scores in the top quartile across profitability (86.9), free cash flow (82.5). Shareholder dilution risk is elevated at 49.2/100, 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 $219.8M, net income of $61.3M, an operating margin of 36.8%. Top institutional holders of CBU by reported 13-F value include BlackRock, FMR, 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 32 and 74 since 2025, currently 60.4 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

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

✓ 23/23 datapoints verified

AI-extracted from COMMUNITY FINANCIAL SYSTEM, INC.'s 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 →Share on X

Revenue

Q2 2026

$219.8M

Net Income

Q2 2026

$61.3M

Free Cash Flow

Q2 2026

$41.4M

Operating Margin

Q2 2026

36.8%

ROIC

Q2 2026

15.6%

Period

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

Free Cash Flow

+5.3% YoY

$233.3MFY 2025

FY22 $201.7MFY23 $209.8MFY24 $221.6MFY25 $233.3M

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 +10.2%	$620.6M +4.0%	$596.8M
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
Free Cash Flow	$233.3M +5.3%	$221.6M +5.6%	$209.8M +4.0%	$201.7M +6.6%	$189.2M +14.9%	$164.7M

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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.
$507.2M7,556,770 sh
FMR LLC
$246.9M3,678,108 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$238.2M3,549,062 sh
Neuberger Berman Group LLC
$232.0M3,456,640 sh
STATE STREET CORP
$223.9M3,313,651 sh
VANGUARD CAPITAL MANAGEMENT LLC
$158.7M2,364,665 sh
DIMENSIONAL FUND ADVISORS LP
$123.7M1,843,474 sh
MORGAN STANLEY
$112.9M1,682,284 sh
GEODE CAPITAL MANAGEMENT, LLC
$91.3M1,359,907 sh
FEDERATED HERMES, INC.
$49.6M738,531 sh

Fund	Value	Shares
BlackRock, Inc.	$507.2M	7,556,770
FMR LLC	$246.9M	3,678,108
VANGUARD PORTFOLIO MANAGEMENT LLC	$238.2M	3,549,062
Neuberger Berman Group LLC	$232.0M	3,456,640
STATE STREET CORP	$223.9M	3,313,651
VANGUARD CAPITAL MANAGEMENT LLC	$158.7M	2,364,665
DIMENSIONAL FUND ADVISORS LP	$123.7M	1,843,474
MORGAN STANLEY	$112.9M	1,682,284
GEODE CAPITAL MANAGEMENT, LLC	$91.3M	1,359,907
FEDERATED HERMES, INC.	$49.6M	738,531

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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. CBU is classified as a mid company.

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.