CBU (Community Financial System) Insider Ownership: 4.85 % (As of Aug. 12, 2026)

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CBU Community Financial System Inc CBU
64 GF Score
Price $65.40
GF Value $65.84
Valuation Fairly Valued
! 5 Warning Signs
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What is Community Financial System Insider Ownership?

Community Financial System CBU +0.80% 64 Insider Ownership is 4.85 % as of Aug. 12, 2026. GuruFocus rates CBU with a GF Score™ of 64/100 and a GF Value™ of $65.84 (Fairly Valued). The stock has 5 warning signs investors should review.

Insider ownership is the percentage of shares that are owned by company insiders relative to the total shares outstanding. As of today, Community Financial System's insider ownership is 4.85%.

Institutional Ownership is the percentage of shares that are owned by institutions out of the total shares outstanding. As of today, Community Financial System's Institutional Ownership is 76.13%.

Float Percentage Of Total Shares Outstanding is the percentage of float shares relative to the total shares outstanding. As of today, Community Financial System's Float Percentage Of Total Shares Outstanding is 72.34%.

Community Financial System Insider Ownership Historical Data

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The historical data trend for Community Financial System's Insider Ownership can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Community Financial System Insider Ownership Chart

Community Financial System Historical Data

The historical data trend for Community Financial System can be seen below:

2025-07-31 2025-08-31 2025-09-30 2025-10-31 2025-11-30 2026-01-31 2026-02-28 2026-05-31 2026-06-30 2026-07-31
Insider Ownership 4.82 4.82 4.82 4.84 4.84 4.84 4.85 4.88 4.85 4.85
CBU
64GF Score
Community Financial System Inc CBU
Insider Ownership is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Financial System Insider Ownership Calculation

The percentage of shares that are owned by company insiders relative to the total shares outstanding.

Frequently Asked Questions Learn more about Insider Ownership →
What does a Insider Ownership of 4.85 % mean?
Community Financial System (CBU) has a Insider Ownership of 4.85 % as of Aug. 12, 2026. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Community Financial System and its competitors.
Is Community Financial System's Insider Ownership too high?
Community Financial System's current Insider Ownership is 4.85 %. Overall, Community Financial System has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Community Financial System's Insider Ownership compare to FFBC and NIC?
Community Financial System's Insider Ownership of 4.85 % can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Insider Ownership for a Banks company?
A good Insider Ownership depends on the Banks industry context. However, Insider Ownership should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Insider Ownership mean?
A high Insider Ownership can signal that a stock is expensive relative to its fundamentals. Insider ownership equals the percent of shares owned by company insiders relative to total shares. View historical data on Community Financial System and its competitors. Community Financial System's current Insider Ownership is 4.85 %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Financial System stock overvalued right now?
Based on GuruFocus' analysis, Community Financial System (CBU) is currently considered Fairly Valued. The stock's GF Value™ is $65.84, compared to a current price of $65.40 — trading 0.7% below its estimated fair value. The current Insider Ownership is 4.85 %. Community Financial System's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Insider Ownership calculated?
Insider Ownership is calculated from a company's financial statements. For Community Financial System (CBU), the current Insider Ownership is 4.85 % as of Aug. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Community Financial System (CBU) Overvalued in 2026?

Based on GuruFocus' analysis, Community Financial System stock appears to be undervalued. The current stock price of $65.40 is trading 0.7% below its estimated GF Value™ of $65.84. GuruFocus considers Community Financial System to be Fairly Valued.

Key valuation signals for CBU:

  • Insider Ownership: 4.85 %
  • GF Value™: $65.84 vs. price of $65.40 (0.7% below fair value)
  • GF Score™: 64/100 with 5 warning signs

No single metric tells the full story. See the CBU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Community Financial System Business Description

Other Exchanges CBY:Germany
Address 333 Butternut Drive, Syracuse, NY, USA, 13214-2141
Community Financial System Inc is a diversified financial services company providing a broad array of banking and other financial services to retail, commercial, institutional, and governmental customers. The Company also offers comprehensive financial planning, trust administration, and wealth management services through its Community Bank Wealth Management operating unit. It has four reportable operating business segments: Banking and Corporate, Employee Benefit Services, Insurance Services, and Wealth Management Services. The group generates the majority of its revenue from the Banking and Corporate segment.
64GF Score

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Insider Ownership is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$65.40
Price
$65.84
GF Value