Community Bank System Inc (CBU) — Cash Flow Quality Index
Community Bank System Inc (CBU) has a Cash Flow Quality Index of 1.55x as of December 2025. Operating cash flow of $84.58 Million exceeds net income of $54.42 Million, indicating high earnings quality where cash backs reported profits. Explore Community Bank System Inc (CBU) investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Community Bank System Inc Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for Community Bank System Inc across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check CBU intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Community Bank System Inc (1989–2025)
Year-by-year earnings quality comparison for Community Bank System Inc. For live market cap and the full company financial profile, see how much is Community Bank System Inc worth.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.43x | $301.86 Million | $210.46 Million | ▲ +8.0% |
| 2024 | 1.33x | $242.28 Million | $182.48 Million | ▼ -23.3% |
| 2023 | 1.73x | $228.42 Million | $131.92 Million | ▲ +51.7% |
| 2022 | 1.14x | $214.60 Million | $188.08 Million | ▲ +6.9% |
| 2021 | 1.07x | $202.55 Million | $189.69 Million | ▼ -2.0% |
| 2020 | 1.09x | $179.48 Million | $164.68 Million | ▼ -9.0% |
| 2019 | 1.20x | $202.50 Million | $169.06 Million | ▼ -8.8% |
| 2018 | 1.31x | $221.41 Million | $168.64 Million | ▲ +4.3% |
| 2017 | 1.26x | $189.67 Million | $150.72 Million | ▼ -3.8% |
| 2016 | 1.31x | $135.77 Million | $103.81 Million | ▼ -0.2% |
| 2015 | 1.31x | $119.57 Million | $91.23 Million | ▼ -1.9% |
| 2014 | 1.34x | $122.10 Million | $91.35 Million | ▲ +2.1% |
| 2013 | 1.31x | $103.18 Million | $78.83 Million | ▼ -7.0% |
| 2012 | 1.41x | $108.42 Million | $77.07 Million | ▲ +9.0% |
| 2011 | 1.29x | $94.38 Million | $73.14 Million | ▼ -15.8% |
| 2010 | 1.53x | $97.09 Million | $63.32 Million | ▲ +44.0% |
| 2009 | 1.06x | $44.13 Million | $41.45 Million | ▼ -13.4% |
| 2008 | 1.23x | $56.50 Million | $45.94 Million | ▲ +4.2% |
| 2007 | 1.18x | $50.60 Million | $42.89 Million | ▼ -38.1% |
| 2006 | 1.90x | $73.10 Million | $38.38 Million | ▲ +34.5% |
| 2005 | 1.42x | $71.97 Million | $50.80 Million | ▼ -16.9% |
| 2004 | 1.71x | $85.61 Million | $50.20 Million | ▼ -5.7% |
| 2003 | 1.81x | $73.07 Million | $40.38 Million | ▲ +20.0% |
| 2002 | 1.51x | $58.08 Million | $38.52 Million | ▼ -37.1% |
| 2001 | 2.40x | $45.88 Million | $19.13 Million | ▲ +87.2% |
| 2000 | 1.28x | $31.91 Million | $24.90 Million | ▼ -22.5% |
| 1999 | 1.65x | $39.10 Million | $23.66 Million | ▼ -29.6% |
| 1998 | 2.35x | $36.40 Million | $15.50 Million | ▲ +53.9% |
| 1997 | 1.53x | $23.80 Million | $15.60 Million | ▲ +26.5% |
| 1996 | 1.21x | $17.00 Million | $14.10 Million | ▲ +20.6% |
| 1995 | 1.00x | $11.50 Million | $11.50 Million | ▼ -24.1% |
| 1994 | 1.32x | $13.30 Million | $10.10 Million | ▲ +0.3% |
| 1993 | 1.31x | $12.60 Million | $9.60 Million | ▼ -9.7% |
| 1992 | 1.45x | $10.90 Million | $7.50 Million | ▼ -24.3% |
| 1991 | 1.92x | $7.10 Million | $3.70 Million | ▼ -52.6% |
| 1990 | 4.05x | $8.50 Million | $2.10 Million | ▲ +114.3% |
| 1989 | 1.89x | $8.50 Million | $4.50 Million | — |