Company / Free Cash Flow
Community Bank System, Inc. Free Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
$233.3M
FY2025
5-year range
$189.2M / $233.3M
FY2021-FY2025
Trend
+5.3%
vs FY2024
Sector context
#142 of 302
Financials
What the data says
At $233M, Community Bank System, Inc.'s free cash flow ranks #142 of 302 in the Financials sector. Free Cash Flow has increased for 5 consecutive years, from $165M in FY2020 to $233M in FY2025.
Based on SEC 10-K filings.
$233M in FY2025 with a 5-year CAGR of +7.2%.
Improved from $210M to $233M over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- +5.0%
- 5-Year CAGR
- +7.2%
- 10-Year CAGR
- -
Sector benchmark
#142 of 302 in FinancialsTop 47% of 302This company $233.3M Sector average $646.4M
▼
-63.9% below sector average
Key checks
Key Insights
- Community Bank System, Inc.'s free cash flow has grown for 5 consecutive years.
- 5-year CAGR of +7.2%, indicating consistent growth.
- In FY2025, free cash flow increased 5.3% year-over-year.
- Ranks #142 out of 302 companies in the Financials sector.
Company context
Key Data Points
- Altman Z-Score 0.17 (distress zone, below 1.8 threshold)
- Strong profit margin: 25.8%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $233.3M | +5.3% |
| FY2024 | $221.6M | +5.6% |
| FY2023 | $209.8M | +4.0% |
| FY2022 | $201.7M | +6.6% |
| FY2021 | $189.2M | +14.9% |
| FY2020 | $164.7M | -16.3% |
| FY2019 | $196.8M | -5.7% |
| FY2018 | $208.8M | +16.7% |
| FY2017 | $178.9M | +45.0% |
| FY2016 | $123.3M | +15.1% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026