Community Financial System

Community Financial System FCF/Debt

The Free Cash Flow to Debt Ratio of Community Financial System (CBU) as of Oct 10, 2026 is 93.22 %. In the previous year, Free Cash Flow to Debt Ratio was 82.00 % — a change of 13.69% (higher).

FCF/Debt

93.22 %

YoY

13.69%

Last updated:

Free Cash Flow to Debt Ratio of Community Financial System is 2025 93.22 % . Free Cash Flow to Debt Ratio of Community Financial System was 2024 82.00 % . It decreases by 13.69% higher compared to the previous year.

The Community Financial System FCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

FCF/Debt
Date
FCF/Debt
Jan 1, 2018
58.48 USD
Jan 1, 2019
59.10 USD
Jan 1, 2020
45.23 USD
Jan 1, 2021
57.73 USD
Jan 1, 2022
57.62 USD
Jan 1, 2023
68.89 USD
Jan 1, 2024
82.00 USD
Jan 1, 2025
93.22 USD
The Community Financial System FCF/Debt history
YEARFCF/DebtYoY
93.22 %+13.69%
82.00 %+19.03%
68.89 %+19.55%
57.62 %-0.19%
57.73 %+27.65%
45.23 %-23.47%
59.10 %+1.07%
58.48 %+50.40%
38.88 %-67.84%
120.91 %+15.08%
105.06 %-1.44%
106.60 %—
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Community Financial System Stock analysis

What does Community Financial System do? Community Bank System Inc is a US financial company based in DeWitt, New York. The company was founded in 1866 and has since become a leading regional bank holding company with assets of over $13 billion. The history of Community Bank System Inc dates back to the 19th century when it was established as a small credit union in New York. Over the years, the company has steadily evolved and expanded, ultimately becoming one of the largest financial companies in the region. The business model of Community Bank System Inc is based on building long-term relationships with their customers, based on trust and integrity. The company offers a wide range of financial products and services tailored to the needs and requirements of their customers. The company strives to provide its customers with easy access to financial services. Community Bank System Inc operates in various segments, including retail banking, commercial banking, and capital markets. Offered products include deposits, loans, mortgages, investment products, credit cards, and online banking services. The company also offers specialized services such as insurance and asset management. Another important aspect of Community Bank System Inc's business model is its proximity to customers and the community. The company has a strong presence in the region and focuses on supporting local projects and initiatives to improve quality of life in communities. Community Bank System Inc has earned a reputation as a trusted financial service provider in the region. The company has received numerous awards and accolades, including recognition for its quality in customer service. Overall, Community Bank System Inc is a successful financial company built on a strong history and proven business model. The company is well-positioned to continue growing in the region and support its customers in managing their finances and achieving their goals. Community Financial System is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Community Financial System stock

Free Cash Flow to Debt Ratio of Community Financial System is 93.22 % in 2025.

Free Cash Flow to Debt Ratio of Community Financial System changed from 82.00 % to 93.22 %, representing a 13.69% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Free Cash Flow to Debt Ratio Community Financial System since 2006 – with annual values, charts, and detailed analysis.

FCF/Debt measures the percentage of total debt that could be repaid from free cash flow. It is a stricter measure than OCF/Debt as it accounts for capital expenditures.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Free Cash Flow to Debt Ratio's Community Financial System with sector peers and the industry average to assess whether it is attractive.

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Leverage — Community Financial System

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