Community Bank System Inc (CBU) — Financial Flexibility Index
Community Bank System Inc (CBU) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of $82.82 Million (operating CF $71.56 Million minus capex $11.26 Million) represents 0% of total liabilities ($15.72 Billion). Check Community Bank System Inc (CBU) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Community Bank System Inc Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for Community Bank System Inc across 37 annual periods. For the full cash flow conversion analysis, see how efficiently does Community Bank System Inc generate cash.
Annual Financial Flexibility Index for Community Bank System Inc (1989–2025)
Year-by-year free cash flow to debt coverage for Community Bank System Inc. Explore CBU debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $370.39 Million | $301.86 Million | $15.41 Billion | ▲ +33.7% |
| 2024 | 0.02x | $262.98 Million | $242.28 Million | $14.62 Billion | ▲ +0.9% |
| 2023 | 0.02x | $247.00 Million | $228.42 Million | $13.86 Billion | ▲ +11.9% |
| 2022 | 0.02x | $227.52 Million | $214.60 Million | $14.28 Billion | ▼ -0.7% |
| 2021 | 0.02x | $215.72 Million | $202.55 Million | $13.45 Billion | ▼ -2.2% |
| 2020 | 0.02x | $193.88 Million | $179.48 Million | $11.83 Billion | ▼ -24.8% |
| 2019 | 0.02x | $208.19 Million | $202.50 Million | $9.56 Billion | ▼ -17.2% |
| 2018 | 0.03x | $234.05 Million | $221.41 Million | $8.89 Billion | ▲ +19.6% |
| 2017 | 0.02x | $200.49 Million | $189.67 Million | $9.11 Billion | ▲ +10.9% |
| 2016 | 0.02x | $148.21 Million | $135.77 Million | $7.47 Billion | ▲ +11.5% |
| 2015 | 0.02x | $131.97 Million | $119.57 Million | $7.41 Billion | ▼ -14.6% |
| 2014 | 0.02x | $135.48 Million | $122.10 Million | $6.50 Billion | ▲ +10.7% |
| 2013 | 0.02x | $117.04 Million | $103.18 Million | $6.22 Billion | ▲ +4.0% |
| 2012 | 0.02x | $119.27 Million | $108.42 Million | $6.59 Billion | ▼ -0.6% |
| 2011 | 0.02x | $103.99 Million | $94.38 Million | $5.71 Billion | ▼ -22.0% |
| 2010 | 0.02x | $112.80 Million | $97.09 Million | $4.84 Billion | ▲ +94.4% |
| 2009 | 0.01x | $58.03 Million | $44.13 Million | $4.84 Billion | ▼ -17.7% |
| 2008 | 0.01x | $67.50 Million | $56.50 Million | $4.63 Billion | ▲ +1.9% |
| 2007 | 0.01x | $60.38 Million | $50.60 Million | $4.22 Billion | ▼ -27.4% |
| 2006 | 0.02x | $79.59 Million | $73.10 Million | $4.04 Billion | ▼ -11.4% |
| 2005 | 0.02x | $82.24 Million | $71.97 Million | $3.70 Billion | ▼ -6.2% |
| 2004 | 0.02x | $92.99 Million | $85.61 Million | $3.92 Billion | ▲ +0.6% |
| 2003 | 0.02x | $81.39 Million | $73.07 Million | $3.45 Billion | ▲ +9.6% |
| 2002 | 0.02x | $66.91 Million | $58.08 Million | $3.11 Billion | ▲ +18.1% |
| 2001 | 0.02x | $53.61 Million | $45.88 Million | $2.94 Billion | ▲ +18.4% |
| 2000 | 0.02x | $37.21 Million | $31.91 Million | $2.42 Billion | ▼ -45.4% |
| 1999 | 0.03x | $47.97 Million | $39.10 Million | $1.70 Billion | ▲ +6.5% |
| 1998 | 0.03x | $41.30 Million | $36.40 Million | $1.56 Billion | ▲ +22.3% |
| 1997 | 0.02x | $32.80 Million | $23.80 Million | $1.52 Billion | ▲ +42.1% |
| 1996 | 0.02x | $18.80 Million | $17.00 Million | $1.23 Billion | ▼ -21.1% |
| 1995 | 0.02x | $20.30 Million | $11.50 Million | $1.05 Billion | ▲ +7.1% |
| 1994 | 0.02x | $15.30 Million | $13.30 Million | $849.20 Million | ▼ -13.7% |
| 1993 | 0.02x | $13.60 Million | $12.60 Million | $651.10 Million | ▲ +6.3% |
| 1992 | 0.02x | $12.10 Million | $10.90 Million | $615.90 Million | ▲ +35.5% |
| 1991 | 0.01x | $8.50 Million | $7.10 Million | $586.30 Million | ▼ -21.8% |
| 1990 | 0.02x | $10.60 Million | $8.50 Million | $571.50 Million | ▼ -15.2% |
| 1989 | 0.02x | $11.80 Million | $8.50 Million | $539.70 Million | — |