Community Financial System (CBU) Latest Stock Analysis Report – Oct 15, 2026, 4:00 PM ET
Updated Oct 15, 2026, 4:00 PM ET
- Closed at $59.67, +1.07% vs the prior close of $59.04.
- Volume 236.10K shares, 1.0x its 50-day average.
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
CBU rises 1.1% to $59.67. Closed at $59.67, +1.07% vs the prior close of $59.04. Day range $59.00–$59.78, opened at $59.43.
CBU daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 15, 2026 — CBU rises 1.1% to $59.67
- Closed at $59.67, +1.07% vs the prior close of $59.04. Day range $59.00–$59.78, opened at $59.43.
- Volume was 236.10K shares, 1.0x its 50-day average of 246.87K.
- Price is -4.0% vs its 50-day average ($62.17) and -4.9% vs its 200-day average ($62.77).
- 52-week range $53.46–$71.11; today's close sits at 35% of that range, 16.1% below the 52-week high.
Oct 14, 2026 — CBU rises 0.5% to $59.04
- Closed at $59.04, +0.46% vs the prior close of $58.77. Day range $57.01–$59.08, opened at $57.93.
- Volume was 312.70K shares, 1.3x its 50-day average of 246.03K.
- Price is -5.2% vs its 50-day average ($62.30) and -5.9% vs its 200-day average ($62.77).
- 52-week range $53.46–$71.11; today's close sits at 32% of that range, 17.0% below the 52-week high.
Oct 13, 2026 — CBU dips 1.0% to $58.77
- Closed at $58.77, -1.01% vs the prior close of $59.37. Day range $58.70–$59.99, opened at $59.84.
- Volume was 218.00K shares, 0.9x its 50-day average of 250.05K.
- Price is -5.9% vs its 50-day average ($62.46) and -6.4% vs its 200-day average ($62.77).
- 52-week range $53.46–$71.11; today's close sits at 30% of that range, 17.4% below the 52-week high.
Oct 12, 2026 — CBU rises 1.3% to $59.37
- Closed at $59.37, +1.26% vs the prior close of $58.63. Day range $58.69–$59.78, opened at $58.69.
- Volume was 188.50K shares, 0.7x its 50-day average of 252.63K.
- Price is -5.2% vs its 50-day average ($62.61) and -5.4% vs its 200-day average ($62.77).
- 52-week range $53.46–$71.11; today's close sits at 33% of that range, 16.5% below the 52-week high.
Oct 9, 2026 — CBU dips 0.8% to $58.63, a 6-month low, 5 down days in a row
- Closed at $58.63, -0.80% vs the prior close of $59.10. Day range $58.09–$59.10, opened at $59.10.
- Volume was 314.90K shares, 1.3x its 50-day average of 251.32K.
- Price is -6.5% vs its 50-day average ($62.72) and -6.6% vs its 200-day average ($62.77).
- 52-week range $53.46–$71.11; today's close sits at 29% of that range, 17.6% below the 52-week high.
- That makes 5 straight losses.
Oct 8, 2026 — CBU ends flat (-0.2%) to $59.10, a 6-month low, 4 down days in a row
- Closed at $59.10, -0.20% vs the prior close of $59.22. Day range $58.57–$59.68, opened at $58.96.
- Volume was 333.40K shares, 1.3x its 50-day average of 250.97K.
- Price is -6.0% vs its 50-day average ($62.85) and -5.8% vs its 200-day average ($62.77).
- 52-week range $53.46–$71.11; today's close sits at 32% of that range, 16.9% below the 52-week high.
- That makes 4 straight losses.
Oct 7, 2026 — CBU dips 0.6% to $59.22, a 6-month low, 3 down days in a row
- Closed at $59.22, -0.60% vs the prior close of $59.58. Day range $58.68–$59.55, opened at $59.28.
- Volume was 318.30K shares, 1.3x its 50-day average of 251.46K.
- Price is -5.9% vs its 50-day average ($62.96) and -5.7% vs its 200-day average ($62.78).
- 52-week range $53.46–$71.11; today's close sits at 33% of that range, 16.7% below the 52-week high.
- That makes 3 straight losses.
Oct 6, 2026 — CBU dips 0.9% to $59.58
- Closed at $59.58, -0.91% vs the prior close of $60.13. Day range $59.58–$60.51, opened at $60.18.
- Volume was 197.90K shares, 0.8x its 50-day average of 252.93K.
- Price is -5.5% vs its 50-day average ($63.07) and -5.1% vs its 200-day average ($62.78).
- 52-week range $53.46–$71.11; today's close sits at 35% of that range, 16.2% below the 52-week high.
Oct 5, 2026 — CBU dips 0.9% to $60.13
- Closed at $60.13, -0.92% vs the prior close of $60.69. Day range $59.89–$60.70, opened at $60.65.
- Volume was 307.10K shares, 1.2x its 50-day average of 252.01K.
- Price is -4.9% vs its 50-day average ($63.21) and -4.2% vs its 200-day average ($62.79).
- 52-week range $53.46–$71.11; today's close sits at 38% of that range, 15.4% below the 52-week high.
Oct 2, 2026 — CBU rises 1.3% to $60.69
- Closed at $60.69, +1.27% vs the prior close of $59.93. Day range $60.28–$61.26, opened at $60.28.
- Volume was 284.90K shares, 1.1x its 50-day average of 251.58K.
- Price is -4.2% vs its 50-day average ($63.35) and -3.3% vs its 200-day average ($62.79).
- 52-week range $53.46–$71.11; today's close sits at 41% of that range, 14.7% below the 52-week high.
CBU latest news & SEC filings
Every SEC filing by or about CBU in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Sep 18, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Sep 18, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
Insider holdings update with no common-stock transactions in the table (often options or derivative awards only).
Sep 10, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Singh Savneet bought 400 shares at $62.47 (≈$24.99K) on Sep 9, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 28, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Vaccaro John A bought 317 shares at $63.11 (≈$20.01K) on Aug 27, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 26, 2026 · 4 — Insider trade report (Form 4)
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Hall Brenda M bought 476 shares at $63.59 (≈$30.27K) on Aug 24, 2026
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 21, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 7.01 — Released information under Regulation FD (e.g. a presentation or press release).
Aug 7, 2026 · 10-Q — Quarterly report (unaudited financial statements for the quarter)
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Revenue: $223.16M (prior year $199.26M) (+12.0% vs Jun 30, 2025)
- Net income: $61.33M (prior year $51.33M) (+19.5% vs Jun 30, 2025)
- Diluted EPS: $1.16 (prior year $0.97) (+19.6% vs Jun 30, 2025)
Aug 6, 2026 · SCHEDULE 13G/A — Update to a passive 5%+ stake (13G)
Update to a passive 5%+ stake (13G)
Filed by an outside investor (not the company). It reports a holding of more than 5% of a share class; percentage and holder name are in the filing.
Jul 28, 2026 · 8-K — Current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jul 20, 2026 · 144 — Notice of proposed sale (Form 144)
Notice of proposed sale (Form 144) — an insider or affiliate plans to sell restricted or control shares
A notice of intent, not a completed sale. Any actual sale by a director or officer shows up later on Form 4.
Jun 18, 2026 · 11-K — Annual report for an employee stock plan
Annual report for an employee stock plan
Things to know before you trade CBU
- Last results release: Jul 28, 2026 (8-K Item 2.02). Previous ones: Apr 29, 2026, Jan 27, 2026, Oct 21, 2025. Based on that rhythm, the next report is likely around Oct 27, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 0.84% (largest 1.8%). That is a relatively calm stock.
- Liquidity: about 317.80K shares (≈$18.96M) trade per day on average.
- 52-week position: $59.67 vs a range of $53.46–$71.11 (35% of the range).
- Dividends: last ex-dividend date Sep 15, 2026 ($0.49/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 3 open-market buys, 6 sales; latest: Savneet Singh bought 400 shares on Sep 9, 2026.
- Latest filings: 8-K Aug 21, 2026; 10-Q Aug 7, 2026; 8-K Jul 28, 2026.
- Share count: 52.62M shares outstanding (Jul 31, 2026), -0.5% vs a year earlier.
- Listing: NYSE · industry: National Commercial Banks.
CBU market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 15, 2026 | 59.43 | 59.78 | 59.00 | 59.67 | 236.10K |
| Oct 14, 2026 | 57.93 | 59.08 | 57.01 | 59.04 | 312.70K |
| Oct 13, 2026 | 59.84 | 59.99 | 58.70 | 58.77 | 218.00K |
| Oct 12, 2026 | 58.69 | 59.78 | 58.69 | 59.37 | 188.50K |
| Oct 9, 2026 | 59.10 | 59.10 | 58.09 | 58.63 | 314.90K |
| Oct 8, 2026 | 58.96 | 59.68 | 58.57 | 59.10 | 333.40K |
| Oct 7, 2026 | 59.28 | 59.55 | 58.68 | 59.22 | 318.30K |
| Oct 6, 2026 | 60.18 | 60.51 | 59.58 | 59.58 | 197.90K |
| Oct 5, 2026 | 60.65 | 60.70 | 59.89 | 60.13 | 307.10K |
| Oct 2, 2026 | 60.28 | 61.26 | 60.28 | 60.69 | 284.90K |
| Oct 1, 2026 | 59.08 | 60.07 | 58.52 | 59.93 | 232.60K |
| Sep 30, 2026 | 59.93 | 60.36 | 59.16 | 59.54 | 289.50K |
| Sep 29, 2026 | 60.55 | 60.97 | 59.51 | 59.83 | 225.80K |
| Sep 28, 2026 | 61.44 | 61.54 | 60.48 | 60.49 | 234.30K |
| Sep 25, 2026 | 60.85 | 61.70 | 60.79 | 61.57 | 413.60K |
| Sep 24, 2026 | 60.96 | 61.22 | 60.30 | 60.74 | 250.30K |
| Sep 23, 2026 | 61.04 | 61.35 | 60.69 | 60.69 | 284.20K |
| Sep 22, 2026 | 61.71 | 62.02 | 61.14 | 61.14 | 516.70K |
| Sep 21, 2026 | 62.19 | 62.53 | 61.01 | 61.09 | 320.00K |
| Sep 18, 2026 | 62.30 | 62.32 | 61.32 | 62.00 | 877.20K |
About Community Financial System
Community Financial System (CBU) is listed on the NYSE and classified by the SEC under “National Commercial Banks”. Its business address is in SYRACUSE, NY. State of incorporation: DE. Fiscal year ends December 31. SEC CIK 723188.
CBU board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Mark J. Bolus | Director | Jun 29, 2026 |
| Neil E. Fesette | Director | Mar 19, 2026 |
| Brenda M Hall | Director | Aug 26, 2026 |
| Dimitar Karaivanov | President & CEO | Mar 19, 2026 |
| Jeffery J Knauss | Director | May 1, 2026 |
| Kerrie D. Macpherson | Director | Mar 18, 2026 |
| John Parente | Director | May 1, 2026 |
| Raymond C Iii Pecor | Director | May 1, 2026 |
| Sally A Steele | Director | May 1, 2026 |
| Eric Stickels | Director | Jun 10, 2026 |
| Savneet Singh | Director | Sep 10, 2026 |
| Michele Sullivan | Director | Sep 18, 2026 |
| John A Vaccaro | Director | Sep 18, 2026 |
| John F. Whipple | Director | Mar 18, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Michael N Abdo | EVP and General Counsel | Mar 19, 2026 |
| Deresa Fischer Durkee | SVP, Chief Accounting Officer | Jun 11, 2026 |
| Matthew K Durkee | SVP, Chief Banking Officer | Mar 19, 2026 |
| Maureen A Gillan-Myer | EVP, Chief Admin & HR Officer | Mar 19, 2026 |
| Dimitar Karaivanov | President & CEO | Mar 19, 2026 |
| Marya Burgio Wlos | EVP & Chief Financial Officer | May 5, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Sep 9, 2026 | Savneet Singh | Buy | 400 | $62.47 |
| Aug 27, 2026 | John A Vaccaro | Buy | 317 | $63.11 |
| Aug 24, 2026 | Brenda M Hall | Buy | 476 | $63.59 |
| Jun 25, 2026 | Mark J. Bolus | Sale | 12,191 | $67.00 |
| Jun 8, 2026 | Eric Stickels | Sale | 2,000 | $63.98 |
| Feb 4, 2026 | John F. Whipple | Sale | 4,246 | $65.17 |
| Feb 3, 2026 | Eric Stickels | Sale | 2,000 | $64.75 |
| Feb 3, 2026 | Sally A Steele | Sale | 4,000 | $64.12 |
| Dec 29, 2025 | Maureen A Gillan-Myer | Sale | 3,450 | $58.85 |
CBU financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | $818.01M | $210.46M | 3.97 | $301.86M |
| Dec 31, 2024 | $746.30M | $182.48M | 3.44 | $242.28M |
| Dec 31, 2023 | $652.12M | $131.92M | 2.45 | $228.42M |
| Dec 31, 2022 | $679.36M | $188.08M | 3.46 | $214.60M |
| Dec 31, 2021 | — | $189.69M | 3.48 | $202.55M |
Latest balance sheet: total assets $17.76B, total liabilities $15.69B, cash $258.17M (as of Jun 30, 2026).
CBU earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 28, 2026 | 8-K Item 2.02 (results) | $64.75 |
| Apr 29, 2026 | 8-K Item 2.02 (results) | $62.23 |
| Jan 27, 2026 | 8-K Item 2.02 (results) | $61.46 |
| Oct 21, 2025 | 8-K Item 2.02 (results) | $56.18 |
| Jul 22, 2025 | 8-K Item 2.02 (results) | $55.77 |
| Apr 29, 2025 | 8-K Item 2.02 (results) | $54.50 |
| Jan 21, 2025 | 8-K Item 2.02 (results) | $65.33 |
| Oct 22, 2024 | 8-K Item 2.02 (results) | $57.82 |
| Jul 23, 2024 | 8-K Item 2.02 (results) | — |
| Apr 23, 2024 | 8-K Item 2.02 (results) | — |
| Jan 23, 2024 | 8-K Item 2.02 (results) | — |
| Oct 24, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 15, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.