CBU COMMUNITY FINANCIAL SYSTEM, INC.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: Financial services and community banking operations
• • No new products, services, or business segments introduced in FY 2026

Risk Factors

• • Regulatory risk from significant loss on sales of investment securities $52.3M in 2023 impacting GAAP results
• • Macroeconomic exposure to rising interest rates with net interest margin improved to 3.31% (non-GAAP) in 2025 vs 3.07% in 2024

Management Discussion & Analysis

• • Revenue $818.0 million in 2025, up 6.6% YoY from $767.4 million in 2024, driven by net interest income up 12.8% to $506.6M and noninterest revenues up 4.8% to $311.5M
• • Operating margin improved: net interest margin 3.29% vs 3.04% in 2024; operating net income $225.1M, up 16.1%, with operating EPS $4.24, up 16.2% YoY

Risk Factors

• • No new risk factors added this quarter; risk section states no material changes from 10-K
• • Material update: Increased restructuring expenses $1.5M recognized this quarter due to operational cost optimization efforts

What are the latest CBU SEC filings in 2026?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on November 6, 2025, an 8-K current report on April 29, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did CBU file its most recent 10-K annual report?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view CBU 10-Q quarterly reports?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s most recent 10-Q quarterly report was filed on November 6, 2025. SignalX displays every CBU 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has CBU filed recently?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s most recent 8-K was filed on April 29, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find CBU insider trading activity (Form 4)?

SignalX aggregates every CBU Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does CBU file with the SEC?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new CBU filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs — such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for COMMUNITY FINANCIAL SYSTEM, INC. (CBU).

What is CBU's SEC CIK number?

COMMUNITY FINANCIAL SYSTEM, INC. (CBU)'s SEC CIK (Central Index Key) number is 723188. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 723188 to look up all CBU filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find CBU return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from COMMUNITY FINANCIAL SYSTEM, INC. (CBU) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.