Community Bank System Inc (CBU) — Financial Flexibility Index
Community Bank System Inc (CBU) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of $122.99 Million (operating CF $84.58 Million minus capex $38.41 Million) represents 0% of total liabilities ($15.41 Billion). Also explore CBU net asset momentum to track the company's year-over-year net asset growth rate.
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. Check Community Bank System Inc strategic capital allocation to assess the company's strategic physical and investment asset allocation.
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 CBU stock market capitalisation.
| 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 | — |