Community Bank System Inc (CBU) — 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. Explore Community Bank System Inc (CBU) cash flow conversion to assess how effectively this company generates cash.
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 Community Bank System Inc (CBU) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 CBU market cap overview.
| 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 | — |