Community Financial System (FRA:CBY) Scaled Net Operating Assets : -0.07 (As of Mar. 2024)

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What is Community Financial System Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Community Financial System's operating assets for the quarter that ended in Mar. 2024 was €11,643.9 Mil. Community Financial System's operating liabilities for the quarter that ended in Mar. 2024 was €12,702.1 Mil. Community Financial System's Total Assets for the quarter that ended in Dec. 2023 was €14,264.6 Mil. Therefore, Community Financial System's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2024 was -0.07.

Community Financial System Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Community Financial System's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(14089.514	-	12285.244)	/	14948.855
=	0.12

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	14264.626	-	175.112
=	14089.514

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	12707.617	-	373.772	-	48.601
=	12285.244

Community Financial System's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2024 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Mar. 2024 )
=	(Operating Assets (Q: Mar. 2024 )	-	Operating Liabilities (Q: Mar. 2024 ))	/	Total Assets (Q: Dec. 2023 )
=	(11643.91	-	12702.066)	/	14264.626
=	-0.07

where

	Operating Assets		(Q: Mar. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	14589.976	-	2946.066
=	11643.91

	Operating Liabilities		(Q: Mar. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	13065.578	-	363.512	-	0
=	12702.066

* 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.

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Community Financial System (FRA:CBY) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Community Financial System Inc (FRA:CBY) » Definitions » Scaled Net Operating Assets

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.