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Community Bank System Inc
NYSE:CBU

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Community Bank System Inc
NYSE:CBU
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Price: 65.36 USD 1% Market Closed
Market Cap: $3.4B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
+47%
5Y
+42%
10Y
+143%
Investing Cash Flow
+
3Y
+73%
5Y
+14%
10Y
-44%
Financing Cash Flow
+
3Y
+4%
5Y
-79%
10Y
-17%

Cash Flow Statement
Community Bank System Inc

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Cash Flow Statement
Currency: USD
Dec-2001 Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
19
22
29
34
39
40
41
41
40
42
44
46
50
52
55
55
51
47
43
39
38
39
39
39
43
44
45
46
46
46
43
44
41
45
52
57
63
66
67
70
73
76
79
77
77
79
79
82
79
81
83
84
91
92
92
94
91
93
95
97
104
106
97
105
151
165
192
200
169
170
171
167
169
167
158
161
165
178
190
193
190
184
176
179
188
147
155
151
132
167
167
166
182
191
195
206
Depreciation & Amortization
12
12
13
13
13
13
12
12
12
13
14
15
15
16
16
16
16
15
15
15
15
15
15
15
16
16
17
17
17
18
19
19
19
19
19
18
17
16
16
16
17
17
17
17
17
17
17
17
17
18
18
18
18
17
17
17
17
18
19
20
20
22
25
30
33
36
36
35
34
33
33
32
32
32
32
31
31
30
30
30
30
30
31
31
30
30
30
29
28
28
28
28
29
29
29
29
Change in Deffered Taxes
(1)
0
0
0
5
0
0
0
1
0
0
0
1
0
0
0
(1)
0
0
0
(1)
0
0
(1)
1
0
0
4
4
0
0
5
3
0
0
0
9
0
0
0
13
0
0
0
12
0
0
0
7
0
0
0
8
0
0
0
11
0
0
0
13
0
0
0
(29)
0
0
0
3
0
0
0
(2)
0
0
0
(2)
0
0
0
8
0
0
0
1
0
0
0
(8)
0
0
0
1
0
0
0
Stock-Based Compensation
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
1
1
2
2
2
2
2
3
4
3
4
4
3
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
5
5
5
5
5
5
6
6
6
6
5
5
5
6
6
6
6
6
6
7
6
7
7
8
8
8
8
8
9
9
10
9
8
9
10
10
Other Non-Cash Items
2
3
4
4
4
3
3
2
3
2
2
2
2
2
2
1
1
1
1
1
1
0
(2)
(5)
(5)
(5)
(2)
0
3
4
4
5
8
9
9
9
5
4
3
2
(3)
(3)
(4)
(6)
(7)
(7)
(7)
57
84
84
83
19
(1)
1
2
3
(0)
(1)
(1)
(2)
(1)
(1)
(1)
(2)
(3)
(5)
(5)
(5)
(5)
(5)
(4)
(3)
(3)
(2)
(5)
(6)
(7)
(13)
(13)
(17)
(18)
(15)
(15)
(15)
(14)
(9)
(4)
4
11
12
14
14
14
16
17
18
Cash Taxes Paid
8
8
9
7
6
7
8
12
13
12
12
12
9
9
11
11
16
16
11
11
7
7
9
8
9
6
8
9
10
0
4
3
5
5
5
9
13
13
22
21
21
24
21
22
17
18
19
20
24
20
23
24
30
35
31
31
29
30
30
31
32
34
38
42
41
33
34
29
30
34
39
44
47
52
35
41
40
33
52
45
42
42
44
48
57
55
50
45
42
44
40
45
44
44
50
43
Cash Interest Paid
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
25
0
0
0
21
0
0
0
14
0
0
0
23
15
36
64
100
130
156
179
193
196
197
196
Change in Working Capital
16
(0)
(0)
10
(7)
11
15
5
17
15
12
17
17
13
14
2
5
4
12
18
20
16
4
7
(3)
(4)
(0)
(17)
(13)
(39)
(16)
(3)
(28)
(6)
(18)
(13)
2
14
7
8
(6)
(2)
(8)
1
9
1
11
(76)
(84)
(81)
(88)
(8)
7
1
3
(5)
1
1
12
15
(0)
13
23
25
37
41
16
17
20
(7)
(4)
(17)
6
(0)
26
14
(6)
22
(33)
3
(7)
(14)
14
(10)
9
71
52
70
65
31
27
20
16
(12)
(2)
29
Cash from Operating Activities
48
N/A
38
-22%
45
+20%
60
+32%
52
-12%
71
+35%
75
+7%
65
-13%
73
+12%
73
-1%
72
0%
81
+11%
86
+6%
84
-2%
87
+4%
76
-13%
72
-6%
67
-7%
70
+4%
72
+3%
73
+2%
69
-6%
56
-19%
56
+0%
52
-7%
52
+0%
60
+15%
50
-16%
57
+14%
32
-43%
53
+65%
69
+30%
44
-36%
71
+60%
65
-8%
70
+7%
97
+39%
109
+12%
102
-6%
106
+4%
94
-11%
100
+6%
96
-4%
102
+6%
108
+6%
101
-7%
112
+11%
92
-18%
103
+12%
108
+5%
104
-4%
120
+15%
123
+3%
119
-4%
121
+2%
117
-4%
120
+3%
123
+3%
136
+10%
142
+4%
136
-4%
153
+13%
158
+3%
171
+8%
190
+11%
208
+10%
210
+1%
219
+4%
221
+1%
195
-12%
199
+2%
183
-8%
203
+11%
195
-4%
208
+7%
199
-4%
180
-10%
215
+20%
172
-20%
207
+20%
203
-2%
193
-5%
213
+11%
193
-10%
215
+11%
240
+12%
235
-2%
255
+9%
228
-11%
231
+1%
229
-1%
221
-3%
242
+10%
225
-7%
239
+6%
283
+19%
Investing Cash Flow
Capital Expenditures
(8)
(8)
(9)
(9)
(9)
(9)
(8)
(8)
(8)
(8)
(8)
(9)
(7)
(8)
(9)
(10)
(10)
(10)
(8)
(6)
(7)
(7)
(8)
(10)
(10)
(10)
(11)
(10)
(11)
(10)
(10)
(13)
(14)
(15)
(16)
(16)
(16)
(15)
(13)
(11)
(10)
(8)
(10)
(10)
(11)
(13)
(14)
(15)
(14)
(13)
(10)
(11)
(13)
(15)
(16)
(15)
(12)
(12)
(12)
(11)
(12)
(12)
(12)
(12)
(11)
(10)
(11)
(12)
(13)
(12)
(11)
(9)
(6)
(8)
(6)
(9)
(14)
(12)
(16)
(16)
(13)
(15)
(12)
(13)
(13)
(15)
(15)
(17)
(19)
(17)
(20)
(18)
(21)
(29)
(40)
(53)
Other Items
56
9
(33)
(114)
(167)
27
82
(83)
(147)
(168)
(481)
(296)
(220)
(208)
90
241
190
146
132
(45)
11
(46)
21
(163)
(197)
(58)
(187)
(91)
164
95
245
228
(73)
(296)
(414)
(262)
(192)
13
52
98
(13)
(608)
(839)
(330)
(253)
714
887
83
567
(23)
(22)
179
(319)
(125)
(442)
(456)
(262)
(230)
51
99
(110)
(128)
(8)
69
142
202
184
68
30
49
595
578
(151)
(151)
(969)
(778)
(384)
(851)
(616)
(1 171)
(1 518)
(2 362)
(2 687)
(2 536)
(2 126)
(267)
234
396
354
(458)
(786)
(904)
(815)
(623)
(594)
(624)
Cash from Investing Activities
48
N/A
1
-98%
(42)
N/A
(123)
-196%
(176)
-43%
18
N/A
74
+308%
(91)
N/A
(156)
-71%
(176)
-13%
(490)
-177%
(305)
+38%
(227)
+25%
(216)
+5%
81
N/A
231
+184%
179
-22%
135
-24%
124
-8%
(51)
N/A
5
N/A
(53)
N/A
12
N/A
(173)
N/A
(206)
-19%
(68)
+67%
(197)
-190%
(100)
+49%
153
N/A
85
-44%
235
+176%
215
-8%
(87)
N/A
(311)
-259%
(430)
-38%
(279)
+35%
(207)
+26%
(2)
+99%
39
N/A
87
+123%
(23)
N/A
(616)
-2 615%
(849)
-38%
(340)
+60%
(264)
+22%
701
N/A
873
+25%
68
-92%
553
+712%
(36)
N/A
(33)
+9%
168
N/A
(332)
N/A
(140)
+58%
(458)
-227%
(471)
-3%
(274)
+42%
(242)
+12%
39
N/A
88
+126%
(122)
N/A
(140)
-14%
(20)
+85%
57
N/A
131
+130%
192
+46%
174
-9%
56
-68%
18
-69%
36
+107%
583
+1 512%
569
-3%
(157)
N/A
(158)
-1%
(976)
-517%
(787)
+19%
(399)
+49%
(863)
-116%
(631)
+27%
(1 187)
-88%
(1 531)
-29%
(2 377)
-55%
(2 699)
-14%
(2 549)
+6%
(2 139)
+16%
(282)
+87%
219
N/A
379
+73%
336
-11%
(475)
N/A
(806)
-70%
(922)
-14%
(836)
+9%
(651)
+22%
(634)
+3%
(676)
-7%
Financing Cash Flow
Net Issuance of Common Stock
33
33
33
33
1
1
1
(4)
(4)
(5)
(16)
(16)
(16)
(27)
(17)
(21)
(21)
(13)
(12)
(3)
(1)
2
(1)
(5)
(9)
(6)
(1)
6
57
54
53
50
1
3
4
4
6
6
5
5
5
65
65
66
64
9
11
13
15
15
13
9
7
(2)
2
5
17
27
26
26
16
14
13
11
11
10
16
16
19
17
12
15
14
19
22
19
16
17
11
11
5
(6)
(19)
(20)
(15)
(23)
(20)
(25)
(29)
(52)
(54)
(47)
(39)
(3)
9
(2)
Net Issuance of Debt
(93)
(32)
3
98
166
(82)
(117)
48
117
186
493
330
256
237
(147)
(277)
(291)
(256)
(178)
(22)
136
114
60
268
119
109
170
55
(67)
(9)
(16)
(145)
(6)
(2)
(27)
(27)
(26)
(26)
(21)
(21)
(20)
162
430
(0)
(0)
(597)
(899)
(224)
(674)
(184)
(27)
(247)
196
(21)
247
214
(37)
(162)
(299)
(424)
(155)
(34)
(256)
(181)
(145)
(80)
(189)
(63)
(73)
(55)
(65)
(64)
(87)
(68)
1
43
19
(41)
(68)
(56)
(41)
39
195
127
768
77
163
174
(318)
319
460
341
315
0
77
68
Cash Paid for Dividends
(11)
(13)
(13)
(14)
(14)
(15)
(15)
(15)
(16)
(16)
(17)
(18)
(20)
(21)
(21)
(22)
(22)
(22)
(23)
(23)
(23)
(23)
(24)
(24)
(24)
(24)
(25)
(25)
(25)
(26)
(27)
(28)
(29)
(29)
(29)
(30)
(30)
(31)
(32)
(33)
(34)
(36)
(38)
(40)
(41)
(42)
(42)
(43)
(44)
(44)
(45)
(45)
(46)
(47)
(48)
(49)
(49)
(51)
(52)
(54)
(55)
(56)
(57)
(59)
(62)
(65)
(68)
(69)
(72)
(74)
(76)
(79)
(80)
(82)
(83)
(86)
(87)
(88)
(90)
(90)
(91)
(92)
(92)
(93)
(93)
(94)
(94)
(95)
(95)
(95)
(96)
(96)
(96)
(96)
(96)
(97)
Other
5
(46)
7
(36)
(22)
19
(8)
11
(25)
(87)
(51)
(66)
(64)
(3)
21
45
79
75
37
(8)
(72)
(5)
14
(37)
(33)
(128)
(126)
(87)
(92)
54
53
97
224
127
76
79
10
34
46
102
90
160
154
73
36
26
(37)
(20)
(34)
(37)
0
(21)
41
89
117
183
238
292
169
226
201
215
221
82
(78)
(12)
(112)
(143)
(123)
(154)
(29)
133
102
115
1 273
1 435
1 713
2 383
1 491
1 602
1 685
1 112
395
267
(400)
(751)
(477)
(480)
(140)
222
245
393
419
325
441
324
Cash from Financing Activities
(66)
N/A
(57)
+13%
30
N/A
81
+169%
131
+61%
(77)
N/A
(139)
-81%
40
N/A
73
+83%
79
+8%
409
+418%
230
-44%
156
-32%
187
+20%
(165)
N/A
(275)
-67%
(255)
+7%
(216)
+15%
(175)
+19%
(56)
+68%
40
N/A
87
+120%
50
-43%
203
+308%
53
-74%
(49)
N/A
18
N/A
(51)
N/A
(127)
-147%
73
N/A
63
-14%
(27)
N/A
191
N/A
98
-49%
24
-75%
27
+10%
(40)
N/A
(18)
+55%
(1)
+93%
53
N/A
41
-22%
351
+749%
610
+74%
100
-84%
60
-40%
(604)
N/A
(968)
-60%
(274)
+72%
(735)
-168%
(250)
+66%
(58)
+77%
(305)
-428%
198
N/A
19
-91%
318
+1 608%
354
+11%
169
-52%
107
-37%
(156)
N/A
(225)
-44%
7
N/A
139
+1 917%
(79)
N/A
(148)
-87%
(274)
-85%
(147)
+46%
(354)
-141%
(259)
+27%
(248)
+4%
(267)
-8%
(157)
+41%
6
N/A
(52)
N/A
(16)
+70%
1 213
N/A
1 410
+16%
1 660
+18%
2 271
+37%
1 345
-41%
1 466
+9%
1 558
+6%
1 054
-32%
477
-55%
281
-41%
259
-8%
(790)
N/A
(429)
+46%
(426)
+1%
(583)
-37%
393
N/A
555
+41%
591
+6%
599
+1%
606
+1%
431
-29%
293
-32%
Change in Cash
Net Change in Cash
30
N/A
(18)
N/A
34
N/A
18
-48%
7
-60%
12
+74%
11
-11%
14
+28%
(10)
N/A
(25)
-159%
(9)
+66%
5
N/A
14
+177%
56
+287%
4
-93%
32
+726%
(4)
N/A
(13)
-250%
19
N/A
(35)
N/A
117
N/A
103
-12%
118
+14%
86
-27%
(101)
N/A
(65)
+36%
(119)
-84%
(102)
+15%
83
N/A
190
+130%
351
+84%
258
-26%
148
-43%
(142)
N/A
(340)
-139%
(182)
+46%
(150)
+18%
89
N/A
140
+58%
246
+76%
113
-54%
(165)
N/A
(143)
+13%
(138)
+3%
(96)
+30%
198
N/A
18
-91%
(114)
N/A
(79)
+31%
(177)
-124%
13
N/A
(17)
N/A
(11)
+33%
(3)
+76%
(19)
-596%
(1)
+97%
15
N/A
(12)
N/A
19
N/A
5
-75%
21
+340%
153
+638%
58
-62%
80
+38%
47
-41%
253
+435%
30
-88%
15
-50%
(9)
N/A
(36)
-287%
625
N/A
757
+21%
(7)
N/A
21
N/A
445
+2 029%
822
+85%
1 441
+75%
1 622
+13%
886
-45%
486
-45%
229
-53%
(1 130)
N/A
(2 008)
-78%
(2 075)
-3%
(1 665)
+20%
(832)
+50%
25
N/A
208
+729%
(19)
N/A
149
N/A
(21)
N/A
(110)
-415%
6
N/A
180
+2 873%
36
-80%
(101)
N/A

See Also

Summary
CBU intrinsic value, competitors valuation, and company profile.
DCF Valuation
CBU stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CBU stock valuation using valuation multiples.
Wall Street Estimates
CBU price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CBU stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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