Community Bank System Inc Cash Flow Quality Index
Community Bank System Inc cash flow quality index. Community Bank System Inc (CBU) has a Cash Flow Quality Index of 1.25x as of March 2026. Operating cash flow of $71.56 Million exceeds net income of $57.22 Million, indicating high earnings quality where cash backs reported profits. See CBU financial flexibility score to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Community Bank System Inc (1989–2025)
Cash flow quality index of Community Bank System Inc from 1989 to 2025. Historical Cash Flow Quality Index for Community Bank System Inc across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore debt repayment capacity of Community Bank System Inc to assess how comfortably operating cash covers total debt obligations.
Community Bank System Inc Cash Flow Quality Index by Year (1989–2025)
Community Bank System Inc cash flow quality index by year from 1989 to 2025. Year-by-year earnings quality comparison for Community Bank System Inc. For the full cash flow conversion analysis, see Community Bank System Inc operating cash flow efficiency.
| 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 | — |