Savneet Singh - 18 Dec 2025 Form 4 Insider Report for COMMUNITY FINANCIAL SYSTEM, INC. (CBU)

Role
Director
Signature
/s/ Danielle M. Cima, pursuant to Confirming Statement executed by Savneet Singh
Issuer symbol
CBU
Transactions as of
18 Dec 2025
Net transactions value
+$21,000
Form type
4
Filing time
19 Dec 2025, 11:34:15 UTC
Previous filing
22 Sep 2025
Next filing
06 Jan 2026
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Singh Savneet Director C/O COMMUNITY FINANCIAL SYSTEM, INC., 5790 WIDEWATERS PARKWAY, DEWITT /s/ Danielle M. Cima, pursuant to Confirming Statement executed by Savneet Singh 19 Dec 2025 0001738659

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Underlying Class Amount Exercise Price Ownership Footnotes
transaction CBU Deferred Stock (Deferred Compensation) Award $21,000 +346 +34% $60.69 1,369 18 Dec 2025 Common Stock 346 Direct F3, F4
holding CBU Phantom Stock (Deferred Stock Units) 1,245 18 Dec 2025 Common Stock 1,245 Direct F1, F2
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
F1 The reporting person has received deferred stock units under the Community Financial System, Inc. 2022 Long-Term Incentive Plan, as amended (the "Plan"). Each phantom stock unit which represents a deferred stock unit is the economic equivalent of one share of Community Financial System, Inc. common stock and will be settled in common stock at a predetermined date.
F2 Includes 9.4706 and 10.4729 units of phantom stock acquired as dividend equivalents on July 10, 2025 and October 10, 2025, respectively, under the Plan.
F3 Each unit of phantom stock is the economic equivalent of one share of Community Financial System, Inc. common stock. The units of phantom stock relating to the Deferred Compensation Plan will be settled in Community Financial System, Inc. common stock at future dates selected by the reporting person.
F4 Includes 2.3840 and 5.6468 units of phantom stock acquired as dividend equivalents on July 10, 2025 and October 10, 2025, respectively, under the Deferred Compensation Plan.