Community Bank System Inc Financial Flexibility Index
Community Bank System Inc 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). See Community Bank System Inc (CBU) free cash flow to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Community Bank System Inc (1989–2025)
Financial flexibility index of Community Bank System Inc from 1989 to 2025. Historical Financial Flexibility Index trend for Community Bank System Inc across 37 annual periods. Check CBU cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
Community Bank System Inc Financial Flexibility Index by Year (1989–2025)
Community Bank System Inc financial flexibility index by year from 1989 to 2025. Year-by-year free cash flow to debt coverage for Community Bank System Inc. For the full cash flow conversion analysis, see Community Bank System Inc (CBU) cash flow conversion.
| 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 | — |