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 asset allocation strategy of Community Bank System Inc to assess the company's strategic physical and investment asset allocation.
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. See how liquid is Community Bank System Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see Community Bank System Inc market cap and net worth.
| 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 | — |