Community Bank System Inc (CBU) — Free Cash Flow Generation Index
Community Bank System Inc (CBU) has a Free Cash Flow Generation Index of 0.55x as of December 2025. Free cash flow of $46.16 Million represents 1% of operating cash flow ($84.58 Million). See CBU working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Community Bank System Inc Free Cash Flow Generation Index (1989–2025)
Historical FCF Generation Index trend for Community Bank System Inc across 37 annual periods. Explore Community Bank System Inc cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Community Bank System Inc (1989–2025)
Year-by-year Free Cash Flow Generation Index for Community Bank System Inc. For the full company profile including market capitalisation, see CBU market cap overview.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.77x | $233.33 Million | $301.86 Million | $68.53 Million | ▼ -15.5% |
| 2024 | 0.91x | $221.57 Million | $242.28 Million | $20.70 Million | ▼ -0.4% |
| 2023 | 0.92x | $209.84 Million | $228.42 Million | $18.59 Million | ▼ -2.3% |
| 2022 | 0.94x | $201.68 Million | $214.60 Million | $12.92 Million | ▲ +0.5% |
| 2021 | 0.93x | $189.37 Million | $202.55 Million | $13.18 Million | ▲ +1.6% |
| 2020 | 0.92x | $165.09 Million | $179.48 Million | $14.39 Million | ▼ -5.4% |
| 2019 | 0.97x | $196.82 Million | $202.50 Million | $5.69 Million | ▲ +3.1% |
| 2018 | 0.94x | $208.76 Million | $221.41 Million | $12.65 Million | ▼ 0.0% |
| 2017 | 0.94x | $178.85 Million | $189.67 Million | $10.82 Million | ▲ +3.8% |
| 2016 | 0.91x | $123.33 Million | $135.77 Million | $12.44 Million | ▲ +1.3% |
| 2015 | 0.90x | $107.17 Million | $119.57 Million | $12.40 Million | ▲ +0.7% |
| 2014 | 0.89x | $108.73 Million | $122.10 Million | $13.38 Million | ▲ +2.9% |
| 2013 | 0.87x | $89.33 Million | $103.18 Million | $13.86 Million | ▼ -3.8% |
| 2012 | 0.90x | $97.58 Million | $108.42 Million | $10.85 Million | ▲ +0.2% |
| 2011 | 0.90x | $84.77 Million | $94.38 Million | $9.61 Million | ▲ +7.2% |
| 2010 | 0.84x | $81.37 Million | $97.09 Million | $15.72 Million | ▲ +22.3% |
| 2009 | 0.69x | $30.24 Million | $44.13 Million | $13.89 Million | ▼ -14.9% |
| 2008 | 0.81x | $45.51 Million | $56.50 Million | $11.00 Million | ▼ -0.2% |
| 2007 | 0.81x | $40.83 Million | $50.60 Million | $9.78 Million | ▼ -11.5% |
| 2006 | 0.91x | $66.61 Million | $73.10 Million | $6.49 Million | ▲ +6.3% |
| 2005 | 0.86x | $61.69 Million | $71.97 Million | $10.28 Million | ▼ -6.2% |
| 2004 | 0.91x | $78.23 Million | $85.61 Million | $7.38 Million | ▲ +3.1% |
| 2003 | 0.89x | $64.75 Million | $73.07 Million | $8.32 Million | ▲ +4.5% |
| 2002 | 0.85x | $49.24 Million | $58.08 Million | $8.83 Million | ▲ +2.0% |
| 2001 | 0.83x | $38.15 Million | $45.88 Million | $7.73 Million | ▼ -0.3% |
| 2000 | 0.83x | $26.60 Million | $31.91 Million | $5.30 Million | ▲ +7.8% |
| 1999 | 0.77x | $30.23 Million | $39.10 Million | $8.87 Million | ▼ -10.7% |
| 1998 | 0.87x | $31.50 Million | $36.40 Million | $4.90 Million | ▲ +39.2% |
| 1997 | 0.62x | $14.80 Million | $23.80 Million | $9.00 Million | ▼ -30.5% |
| 1996 | 0.89x | $15.20 Million | $17.00 Million | $1.80 Million | ▲ +280.8% |
| 1995 | 0.23x | $2.70 Million | $11.50 Million | $8.80 Million | ▼ -72.4% |
| 1994 | 0.85x | $11.30 Million | $13.30 Million | $2.00 Million | ▼ -7.7% |
| 1993 | 0.92x | $11.60 Million | $12.60 Million | $1.00 Million | ▲ +3.5% |
| 1992 | 0.89x | $9.70 Million | $10.90 Million | $1.20 Million | ▲ +10.8% |
| 1991 | 0.80x | $5.70 Million | $7.10 Million | $1.40 Million | ▲ +6.6% |
| 1990 | 0.75x | $6.40 Million | $8.50 Million | $2.10 Million | ▲ +23.1% |
| 1989 | 0.61x | $5.20 Million | $8.50 Million | $3.30 Million | — |