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Community Bank System (CBU)
NYSE:CBU
US Market
CBU
Community Bank System
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Community Bank System (CBU) Ratios

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Community Bank System Ratios

CBU's free cash flow for Q2 2026 was $0.81. For the 2026 fiscal year, CBU's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 14.48 1.49 0.04 0.24 0.31
Quick Ratio
 14.48 1.49 0.04 0.24 0.31
Cash Ratio
 0.78 1.25 0.01 0.01 0.01
Solvency Ratio
 0.02 0.02 0.01 0.01 0.02
Operating Cash Flow Ratio
 0.93 1.25 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.93 1.25 0.64 0.64 0.19
Net Current Asset Value
$ -10.91B$ -15.05B$ -14.06B$ -10.69B$ -9.87B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.06 0.05 0.07
Debt-to-Equity Ratio
 0.37 0.37 0.57 0.45 0.73
Debt-to-Capital Ratio
 0.27 0.27 0.36 0.31 0.42
Long-Term Debt-to-Capital Ratio
 0.17 0.19 0.26 0.19 0.01
Financial Leverage Ratio
 8.57 8.68 9.30 9.16 10.21
Debt Service Coverage Ratio
 0.51 0.55 0.37 0.35 0.19
Interest Coverage Ratio
 1.60 1.43 1.22 1.62 10.40
Debt to Market Cap
 0.23 0.23 0.31 0.27 0.34
Interest Debt Per Share
 18.00 17.83 22.62 16.22 21.54
Net Debt to EBITDA
 1.50 1.46 3.04 2.92 3.43
Profitability Margins
Gross Profit Margin
80.09%78.83%76.91%84.75%94.61%
EBIT Margin
28.71%27.24%25.16%22.25%34.21%
EBITDA Margin
32.15%30.23%28.21%26.00%38.54%
Operating Profit Margin
28.71%27.24%25.16%22.25%34.21%
Pretax Profit Margin
28.71%27.24%25.16%22.25%34.21%
Net Profit Margin
21.79%20.82%19.40%17.45%26.77%
Continuous Operations Profit Margin
21.79%20.82%19.40%17.45%26.77%
Net Income Per EBT
75.89%76.42%77.09%78.42%78.26%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.28%1.21%1.11%0.85%1.19%
Return on Equity (ROE)
11.34%10.49%10.35%7.77%12.12%
Return on Capital Employed (ROCE)
1.72%1.60%9.23%7.41%15.26%
Return on Invested Capital (ROIC)
1.29%1.21%6.20%5.02%6.99%
Return on Tangible Assets
1.36%1.28%1.18%0.90%1.26%
Earnings Yield
6.90%6.95%5.61%4.72%5.54%
Efficiency Ratios
Receivables Turnover
 17.19 17.51 17.31 13.86 13.35
Payables Turnover
 0.00 0.00 0.00 0.00 0.28
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.18 4.10 5.12 4.36 4.37
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 0.43 -0.15 -0.08 -0.08 -0.09
Cash Conversion Cycle
 21.23 20.84 21.08 26.33 -1.26K
Days of Sales Outstanding
 21.23 20.84 21.08 26.33 27.34
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 1.29K
Operating Cycle
 21.23 20.84 21.08 26.33 27.34
Cash Flow Ratios
Operating Cash Flow Per Share
 5.83 5.73 4.59 4.26 3.98
Free Cash Flow Per Share
 4.37 4.43 4.20 3.91 3.74
CapEx Per Share
 1.46 1.30 0.39 0.35 0.24
Free Cash Flow to Operating Cash Flow
 0.75 0.77 0.91 0.92 0.94
Dividend Paid and CapEx Coverage Ratio
 1.76 1.82 2.08 2.01 2.02
Capital Expenditure Coverage Ratio
 4.00 4.40 11.70 12.29 16.61
Operating Cash Flow Coverage Ratio
 0.40 0.40 0.24 0.30 0.19
Operating Cash Flow to Sales Ratio
 0.29 0.30 0.26 0.30 0.31
Free Cash Flow Yield
7.04%7.71%6.81%7.51%5.94%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.51 14.43 17.83 21.17 18.04
Price-to-Sales (P/S) Ratio
 3.14 2.99 3.46 3.69 4.83
Price-to-Book (P/B) Ratio
 1.60 1.51 1.85 1.65 2.19
Price-to-Free Cash Flow (P/FCF) Ratio
 14.21 12.97 14.69 13.31 16.82
Price-to-Operating Cash Flow Ratio
 10.73 10.03 13.43 12.23 15.81
Price-to-Earnings Growth (PEG) Ratio
 0.86 0.92 0.44 -0.72 -21.11
Price-to-Fair Value
 1.60 1.51 1.85 1.65 2.19
Enterprise Value Multiple
 11.27 11.36 15.30 17.13 15.96
Enterprise Value
 3.79B 3.47B 4.06B 3.37B 4.32B
EV to EBITDA
 11.27 11.36 15.30 17.13 15.96
EV to Sales
 3.62 3.43 4.32 4.45 6.15
EV to Free Cash Flow
 16.40 14.88 18.33 16.05 21.42
EV to Operating Cash Flow
 12.30 11.50 16.76 14.74 20.13
Tangible Book Value Per Share
 20.98 20.18 16.33 14.92 12.04
Shareholders’ Equity Per Share
 39.20 38.07 33.42 31.68 28.79
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.23 0.22 0.22
Revenue Per Share
 19.80 19.18 17.83 14.10 13.03
Net Income Per Share
 4.31 3.99 3.46 2.46 3.49
Tax Burden
 0.76 0.76 0.77 0.78 0.78
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.26 0.33 0.34 0.37 0.37
Stock-Based Compensation to Revenue
 0.01 0.01 <0.01 0.01 0.01
Income Quality
 1.35 1.43 1.33 1.73 1.14
Currency in USD