John F. Whipple - 04 Feb 2026 Form 4 Insider Report for COMMUNITY FINANCIAL SYSTEM, INC. (CBU)

Role: Director
Signature: /s/ Danielle M. Cima, pursuant to a Confirming Statement executed by John F. Whipple, Jr.
Issuer symbol: CBU
Transactions as of: 04 Feb 2026
Net transactions value: -$115,271
Form type: 4
Filing time: 06 Feb 2026, 10:59:04 UTC
Previous filing: 03 Dec 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Whipple John F.	Director	C/O COMMUNITY FINANCIAL SYSTEM, INC., 5790 WIDEWATERS PARKWAY, DEWITT	/s/ Danielle M. Cima, pursuant to a Confirming Statement executed by John F. Whipple, Jr.	06 Feb 2026	0001485739

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CBU	Common Stock	Options Exercise	$161,433	+4,246	+50%	$38.02	12,752	04 Feb 2026	Direct
transaction	CBU	Common Stock	Sale	$276,704	-4,246	-33%	$65.17	8,506	04 Feb 2026	Direct	F1

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	Stock Option	Options Exercise	$0	-4,246	-100%	$0.000000	0	04 Feb 2026	Common Stock	4,246	$38.02	Direct

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $65.00 to $65.355, inclusive. The reporting person undertakes to provide Community Financial System, Inc., any security holder of Community Financial System, Inc. or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

Content

The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $65.00 to $65.355, inclusive. The reporting person undertakes to provide Community Financial System, Inc., any security holder of Community Financial System, Inc. or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.