Insider Trading February 6, 2026

Community Financial System Director Sells $276,703 in Stock, Exercises Options

Director John F. Whipple disposes of 4,246 shares and exercises options the same day; company posts mixed Q4 2025 results

By Marcus Reed CBU
Community Financial System Director Sells $276,703 in Stock, Exercises Options
CBU

John F. Whipple, a director at Community Financial System (NYSE:CBU), sold 4,246 shares on February 4, 2026, for $276,703 and exercised options for the same number of shares the same day. After these transactions Whipple holds 8,506.0302 shares. Separately, Community Bank System reported Q4 2025 results that missed EPS estimates by a penny but topped revenue forecasts.

Key Points

  • Director John F. Whipple sold 4,246 shares of Community Financial System on February 4, 2026, for total proceeds of $276,703 at a weighted average price of $65.1681 (range $65.00 to $65.355).
  • Whipple exercised options for 4,246 shares the same day at an exercise price of $38.02, valued at $161,432, and now directly owns 8,506.0302 shares.
  • Community Bank System reported Q4 2025 operating EPS of $1.12, just below the $1.13 estimate, while revenue of $215.45 million exceeded the $212.85 million forecast.

John F. Whipple, serving on the board of Community Financial System (NYSE:CBU), completed a block sale of company stock on February 4, 2026. According to the filing, Whipple sold 4,246 shares of common stock for aggregate proceeds of $276,703. The sales were carried out at a weighted average price of $65.1681 per share, with executed prices within a band of $65.00 to $65.355.

On that same date Whipple also exercised stock options covering an equal number of shares. The options were exercised at an exercise price of $38.02, producing a notional value of $161,432 for the 4,246 shares underlying the option exercise.

Following the combination of the open-market sale and the option exercise, Whipples direct ownership in Community Financial System stands at 8,506.0302 shares. The filing does not describe any additional transfers, gifts or derivative positions beyond these reported transactions.


In separate corporate reporting, Community Bank System released its fourth-quarter 2025 operating results. The firm recorded an operating earnings per share (EPS) of $1.12, narrowly missing the consensus estimate of $1.13. Revenue for the quarter reached $215.45 million, ahead of the anticipated $212.85 million, representing a revenue outperformance relative to expectations.

Those results paint a mixed picture: EPS came in just below forecast while top-line figures exceeded projections. The companys recent disclosures do not indicate any merger or acquisition activity, and there have been no public reports of analyst upgrades or downgrades tied to the quarter at this time.

These filings and earnings data provide a concise snapshot of recent insider activity and corporate performance. The insider sale combined with the option exercise outlines Whipples shifting position in the company, while the quarterly metrics for Community Bank System show slightly softer profitability on the operating EPS line alongside stronger-than-expected revenue generation.

Risks

  • Insider sales can be interpreted in multiple ways and may introduce uncertainty for shareholders - impacts primarily relevant to equity investors and financial sector sentiment.
  • Operating EPS slightly missing estimates may weigh on near-term earnings expectations for Community Bank System - a risk to investor confidence in banking sector profitability metrics.
  • Absence of analyst upgrades or downgrades and no reported M&A activity leaves limited new directional catalysts for the stock in the immediate term - increases potential volatility for market participants looking for fresh guidance.

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