Stock Ratings / Financials / CBU / insiders

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Community Financial System Inc. (CBU) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$63.37 +0.96% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Community Financial System Inc. (CBU) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $3.33B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CBU)Realized 20D OHLCV Swing Band: ±4.3%

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CBU Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CBU)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CBU. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CBU Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CBU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +0.02%▲ RESISTANCE BREAKOUT

2026-10-30O $63.90H $64.15L $61.97C $63.37VOL 262.2K

RES: $59.86SUP: $55.78SMA50: $61.53SMA200: $62.88

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CBU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CBU Butterfly Map → + Track CBU →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.3%/yr Implied 5Y Growth

vs. +9.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CBU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CBU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CBU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CBU)

Financials Rank #381 of 1096 ⚔️ SFNC vs CBU Full Matrix →

1. Head-to-Head Financials Peer Comparison (CBU vs. SFNC, PRK, MCHB, FFBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Community Financial System Inc. (CBU) ranks #381 by composite RQD confidence (63/100, grade C) and #343 by equity capitalization ($3.33B). Within this direct 5-issuer industry benchmark cohort, MCHB leads on earnings valuation at 12.2x trailing P/E, while PRK leads on capital efficiency and profitability with 13.3% ROIC and — gross margin. PRK currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with CBU at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CBU ACTIVE Community Financial System Inc.	C	63/100	15.8x	—	10.5%	+0.96%	$3.33B	Benchmark Subject
SFNC Simmons First National Corporation (Class A)	C-	60/100	—	—	-11.1%	+1.30%	$3.38B	/sfnc-vs-cbu →
PRK Park National Corporation	B	73/100	18.2x	—	13.3%	+1.53%	$3.27B	/prk-vs-cbu →
MCHB Mechanics Bancorp (Class A)	D+	58/100	12.2x	—	9.3%	-1.81%	$3.23B	/mchb-vs-cbu →
FFBC First Financial Bancorp.	C	64/100	—	—	0.0%	+0.34%	$3.45B	/ffbc-vs-cbu →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000723188

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Community Financial System Inc. (CBU) reported GAAP revenue of $818.0M (+9.6% vs. FY2024 revenue of $746.3M , and +25.4% cumulative change since FY2023) , GAAP net income of $210.5M, operating cash flow of $301.9M, and free cash flow of $233.3M (+5.3% YoY). On the balance sheet, CBU closed FY2025 with $17.30B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$818.0M	$210.5M	$301.9M	$233.3M	$17.30B	—
FY2024 (FY)	2024-12-31	$746.3M	$182.5M	$242.3M	$221.6M	$16.39B	$990.2M
FY2023 (FY)	2023-12-31	$652.1M	$131.9M	$228.4M	$228.4M	—	—

3. CBU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CBU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Community Financial System Inc. (NYSE: CBU) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $63.37 (+0.96% 1D, market cap $3.33B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CBU ranks #381 in composite RQD confidence.

How does CBU compare to SFNC and PRK in the Financials sector?

Within the Financials sector (Major Banks), CBU carries a Roarable C (63/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 10.5%. By comparison, SFNC (Simmons First National Corporation (Class A)) holds a C- grade (60/100 RQD, P/E N/A, ROIC -11.1%, cap $3.38B) and PRK (Park National Corporation) posts a B grade (73/100 RQD, P/E 18.2x, ROIC 13.3%, cap $3.27B). Among the 5-stock peer group, MCHB leads on earnings multiple (12.2x) while PRK leads on capital efficiency (13.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CBU?

Per CBU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000723188), Community Financial System Inc. generated $818.0M in revenue (+9.6% YoY), $210.5M in net income, and $233.3M in free cash flow against $17.30B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CBU trading relative to its 50-day, 200-day, and 52-week technical levels?

CBU last traded at $63.37 (+0.96% on volume of 251,457 shares), positioning the stock +2.99% above its 50-day simple moving average ($61.53) and +0.78% above its 200-day simple moving average ($62.88). Across its 52-week range of $53.46 to $71.11, CBU sits at the 56.1% percentile with a 14-day RSI of 57.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($60.65 to $66.09).

CBU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are CBU insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies CBU leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: CBU RQD Cockpit CBU 12M Forecast CBU Earnings & Move CBU Dividends & DRIP CBU Insiders & 13F CBU Whale Options CBU Profit Sankey CBU News & Why