Community Financial System (FRA:CBY) Cash-to-Debt : 0.86 (As of Mar. 2024)

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What is Community Financial System Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Community Financial System's cash to debt ratio for the quarter that ended in Mar. 2024 was 0.86.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Community Financial System couldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2024.

The historical rank and industry rank for Community Financial System's Cash-to-Debt or its related term are showing as below:

FRA:CBY' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21 Med: 1.82 Max: 374.93
Current: 0.86

During the past 13 years, Community Financial System's highest Cash to Debt Ratio was 374.93. The lowest was 0.21. And the median was 1.82.

FRA:CBY's Cash-to-Debt is ranked worse than
60.77% of 1430 companies
in the Banks industry
Industry Median: 1.29 vs FRA:CBY: 0.86

Community Financial System Cash-to-Debt Historical Data

The historical data trend for Community Financial System's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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Community Financial System Cash-to-Debt Chart

Community Financial System Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

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1.99

18.86

363.04

0.27

0.42

Community Financial System Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Cash-to-Debt	Get a 7-Day Free Trial															2.50	0.89	1.44	0.42	0.86

Competitive Comparison of Community Financial System's Cash-to-Debt

For the Banks - Regional subindustry, Community Financial System's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Community Financial System's Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Community Financial System's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Community Financial System's Cash-to-Debt falls into.

Community Financial System Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Community Financial System's Cash to Debt Ratio for the fiscal year that ended in Dec. 2023 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	175.112	/	(48.601	+	373.772)
	=	0.41

Community Financial System's Cash to Debt Ratio for the quarter that ended in Mar. 2024 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	311.311	/	(0	+	363.512)
	=	0.86

Community Financial System (FRA:CBY) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

Community Financial System Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of Community Financial System's Cash-to-Debt provided by GuruFocus.com. Please click on the following links to see related term pages.

Community Financial System (FRA:CBY) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Community Financial System Inc (FRA:CBY) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

CBU:USA

Address

5790 Widewaters Parkway, DeWitt, NY, USA, 13214-1883

Website

https://www.cbna.com

Community Bank System Inc is a financial holding company. The company primarily operates through two wholly-owned subsidiaries: Community Bank, N.A. and Benefit Plans Administrative Services. Community Bank's business is operating a community bank providing a broad array of banking and financial services. These are offered chiefly to retail, commercial, and municipal customers in non-metropolitan markets, including small towns in upstate New York and Northeastern Pennsylvania. The company has historically relied on acquisitions to fuel growth, in addition to growing organically. A majority of its loan portfolio is tilted toward the consumer market on an installment, line of credit, or residential mortgage loan basis. The majority of the company's net revenue is net interest income.

Community Financial System (FRA:CBY) Headlines

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