Financhill
Buy
68

CBU Quote, Financials, Valuation and Earnings

Last price:
$57.63
Seasonality move :
2.89%
Day range:
$57.26 - $58.02
52-week range:
$42.16 - $73.39
Dividend yield:
3.18%
P/E ratio:
15.94x
P/S ratio:
3.97x
P/B ratio:
1.66x
Volume:
190.8K
Avg. volume:
257.4K
1-year change:
20.76%
Market cap:
$3B
Revenue:
$746.3M
EPS (TTM):
$3.61

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
CBU
Community Financial System
$197.1M $0.91 9.86% 10.99% $66.50
BANF
BancFirst
$161.7M $1.58 6.36% 7.62% $121.00
CHCO
City Holding
$73.1M $1.85 7.06% 1.19% $122.33
EGBN
Eagle Bancorp
$71.9M $0.53 -2.8% -26.87% $25.00
FBNC
First Bancorp
$105.4M $0.78 14.11% 25.36% $49.25
NBTB
NBT Bancorp
$151M $0.74 22.44% 17.39% $50.40
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CBU
Community Financial System
$57.53 $66.50 $3B 15.94x $0.46 3.18% 3.97x
BANF
BancFirst
$127.87 $121.00 $4.3B 19.37x $0.46 1.42% 6.67x
CHCO
City Holding
$121.24 $122.33 $1.8B 15.19x $0.79 2.55% 6.19x
EGBN
Eagle Bancorp
$19.26 $25.00 $585.1M 7.56x $0.17 4.91% 1.92x
FBNC
First Bancorp
$42.12 $49.25 $1.7B 19.96x $0.22 2.09% 4.85x
NBTB
NBT Bancorp
$44.45 $50.40 $2.3B 14.72x $0.34 3.02% 3.58x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CBU
Community Financial System
24.51% 1.762 19.82% 3.33x
BANF
BancFirst
4.9% 1.094 2.36% 986.26x
CHCO
City Holding
16.55% 0.970 8.72% 3.26x
EGBN
Eagle Bancorp
31.26% 1.597 88.78% 3.61x
FBNC
First Bancorp
0.97% 1.250 0.89% 550.96x
NBTB
NBT Bancorp
12.68% 1.426 11.22% 5.13x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
CBU
Community Financial System
-- -- 8.11% 10.98% 56.92% $52M
BANF
BancFirst
-- -- 13.37% 14.13% 83.48% $65.6M
CHCO
City Holding
-- -- 13.56% 16.39% 80.78% $31.3M
EGBN
Eagle Bancorp
-- -- -2.53% -3.68% 122.77% $43M
FBNC
First Bancorp
-- -- 5.8% 6.06% 82.73% $52.4M
NBTB
NBT Bancorp
-- -- 7.76% 9.55% 61.29% $38.3M

Community Financial System vs. Competitors

  • Which has Higher Returns CBU or BANF?

    BancFirst has a net margin of 25.28% compared to Community Financial System's net margin of 34.04%. Community Financial System's return on equity of 10.98% beat BancFirst's return on equity of 14.13%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    BANF
    BancFirst
    -- $1.66 $1.8B
  • What do Analysts Say About CBU or BANF?

    Community Financial System has a consensus price target of $66.50, signalling upside risk potential of 15.59%. On the other hand BancFirst has an analysts' consensus of $121.00 which suggests that it could fall by -5.37%. Given that Community Financial System has higher upside potential than BancFirst, analysts believe Community Financial System is more attractive than BancFirst.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 4 0
    BANF
    BancFirst
    0 3 0
  • Is CBU or BANF More Risky?

    Community Financial System has a beta of 0.771, which suggesting that the stock is 22.921% less volatile than S&P 500. In comparison BancFirst has a beta of 0.777, suggesting its less volatile than the S&P 500 by 22.295%.

  • Which is a Better Dividend Stock CBU or BANF?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.18%. BancFirst offers a yield of 1.42% to investors and pays a quarterly dividend of $0.46 per share. Community Financial System pays 52.49% of its earnings as a dividend. BancFirst pays out 26.7% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CBU or BANF?

    Community Financial System quarterly revenues are $196.2M, which are larger than BancFirst quarterly revenues of $164.8M. Community Financial System's net income of $49.6M is lower than BancFirst's net income of $56.1M. Notably, Community Financial System's price-to-earnings ratio is 15.94x while BancFirst's PE ratio is 19.37x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Community Financial System is 3.97x versus 6.67x for BancFirst. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CBU
    Community Financial System
    3.97x 15.94x $196.2M $49.6M
    BANF
    BancFirst
    6.67x 19.37x $164.8M $56.1M
  • Which has Higher Returns CBU or CHCO?

    City Holding has a net margin of 25.28% compared to Community Financial System's net margin of 41.91%. Community Financial System's return on equity of 10.98% beat City Holding's return on equity of 16.39%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    CHCO
    City Holding
    -- $2.06 $906.3M
  • What do Analysts Say About CBU or CHCO?

    Community Financial System has a consensus price target of $66.50, signalling upside risk potential of 15.59%. On the other hand City Holding has an analysts' consensus of $122.33 which suggests that it could grow by 0.9%. Given that Community Financial System has higher upside potential than City Holding, analysts believe Community Financial System is more attractive than City Holding.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 4 0
    CHCO
    City Holding
    0 6 0
  • Is CBU or CHCO More Risky?

    Community Financial System has a beta of 0.771, which suggesting that the stock is 22.921% less volatile than S&P 500. In comparison City Holding has a beta of 0.521, suggesting its less volatile than the S&P 500 by 47.932%.

  • Which is a Better Dividend Stock CBU or CHCO?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.18%. City Holding offers a yield of 2.55% to investors and pays a quarterly dividend of $0.79 per share. Community Financial System pays 52.49% of its earnings as a dividend. City Holding pays out 37.13% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CBU or CHCO?

    Community Financial System quarterly revenues are $196.2M, which are larger than City Holding quarterly revenues of $72.4M. Community Financial System's net income of $49.6M is higher than City Holding's net income of $30.3M. Notably, Community Financial System's price-to-earnings ratio is 15.94x while City Holding's PE ratio is 15.19x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Community Financial System is 3.97x versus 6.19x for City Holding. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CBU
    Community Financial System
    3.97x 15.94x $196.2M $49.6M
    CHCO
    City Holding
    6.19x 15.19x $72.4M $30.3M
  • Which has Higher Returns CBU or EGBN?

    Eagle Bancorp has a net margin of 25.28% compared to Community Financial System's net margin of 2.27%. Community Financial System's return on equity of 10.98% beat Eagle Bancorp's return on equity of -3.68%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    EGBN
    Eagle Bancorp
    -- $0.06 $1.8B
  • What do Analysts Say About CBU or EGBN?

    Community Financial System has a consensus price target of $66.50, signalling upside risk potential of 15.59%. On the other hand Eagle Bancorp has an analysts' consensus of $25.00 which suggests that it could grow by 29.8%. Given that Eagle Bancorp has higher upside potential than Community Financial System, analysts believe Eagle Bancorp is more attractive than Community Financial System.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 4 0
    EGBN
    Eagle Bancorp
    0 3 0
  • Is CBU or EGBN More Risky?

    Community Financial System has a beta of 0.771, which suggesting that the stock is 22.921% less volatile than S&P 500. In comparison Eagle Bancorp has a beta of 1.023, suggesting its more volatile than the S&P 500 by 2.335%.

  • Which is a Better Dividend Stock CBU or EGBN?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.18%. Eagle Bancorp offers a yield of 4.91% to investors and pays a quarterly dividend of $0.17 per share. Community Financial System pays 52.49% of its earnings as a dividend. Eagle Bancorp pays out -96.99% of its earnings as a dividend. Community Financial System's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CBU or EGBN?

    Community Financial System quarterly revenues are $196.2M, which are larger than Eagle Bancorp quarterly revenues of $73.9M. Community Financial System's net income of $49.6M is higher than Eagle Bancorp's net income of $1.7M. Notably, Community Financial System's price-to-earnings ratio is 15.94x while Eagle Bancorp's PE ratio is 7.56x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Community Financial System is 3.97x versus 1.92x for Eagle Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CBU
    Community Financial System
    3.97x 15.94x $196.2M $49.6M
    EGBN
    Eagle Bancorp
    1.92x 7.56x $73.9M $1.7M
  • Which has Higher Returns CBU or FBNC?

    First Bancorp has a net margin of 25.28% compared to Community Financial System's net margin of 34.8%. Community Financial System's return on equity of 10.98% beat First Bancorp's return on equity of 6.06%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    FBNC
    First Bancorp
    -- $0.88 $1.5B
  • What do Analysts Say About CBU or FBNC?

    Community Financial System has a consensus price target of $66.50, signalling upside risk potential of 15.59%. On the other hand First Bancorp has an analysts' consensus of $49.25 which suggests that it could grow by 16.93%. Given that First Bancorp has higher upside potential than Community Financial System, analysts believe First Bancorp is more attractive than Community Financial System.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 4 0
    FBNC
    First Bancorp
    1 3 0
  • Is CBU or FBNC More Risky?

    Community Financial System has a beta of 0.771, which suggesting that the stock is 22.921% less volatile than S&P 500. In comparison First Bancorp has a beta of 0.854, suggesting its less volatile than the S&P 500 by 14.557%.

  • Which is a Better Dividend Stock CBU or FBNC?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.18%. First Bancorp offers a yield of 2.09% to investors and pays a quarterly dividend of $0.22 per share. Community Financial System pays 52.49% of its earnings as a dividend. First Bancorp pays out 47.56% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CBU or FBNC?

    Community Financial System quarterly revenues are $196.2M, which are larger than First Bancorp quarterly revenues of $104.6M. Community Financial System's net income of $49.6M is higher than First Bancorp's net income of $36.4M. Notably, Community Financial System's price-to-earnings ratio is 15.94x while First Bancorp's PE ratio is 19.96x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Community Financial System is 3.97x versus 4.85x for First Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CBU
    Community Financial System
    3.97x 15.94x $196.2M $49.6M
    FBNC
    First Bancorp
    4.85x 19.96x $104.6M $36.4M
  • Which has Higher Returns CBU or NBTB?

    NBT Bancorp has a net margin of 25.28% compared to Community Financial System's net margin of 23.86%. Community Financial System's return on equity of 10.98% beat NBT Bancorp's return on equity of 9.55%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    NBTB
    NBT Bancorp
    -- $0.77 $1.8B
  • What do Analysts Say About CBU or NBTB?

    Community Financial System has a consensus price target of $66.50, signalling upside risk potential of 15.59%. On the other hand NBT Bancorp has an analysts' consensus of $50.40 which suggests that it could grow by 13.39%. Given that Community Financial System has higher upside potential than NBT Bancorp, analysts believe Community Financial System is more attractive than NBT Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 4 0
    NBTB
    NBT Bancorp
    3 3 0
  • Is CBU or NBTB More Risky?

    Community Financial System has a beta of 0.771, which suggesting that the stock is 22.921% less volatile than S&P 500. In comparison NBT Bancorp has a beta of 0.575, suggesting its less volatile than the S&P 500 by 42.512%.

  • Which is a Better Dividend Stock CBU or NBTB?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.18%. NBT Bancorp offers a yield of 3.02% to investors and pays a quarterly dividend of $0.34 per share. Community Financial System pays 52.49% of its earnings as a dividend. NBT Bancorp pays out 44.27% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios CBU or NBTB?

    Community Financial System quarterly revenues are $196.2M, which are larger than NBT Bancorp quarterly revenues of $154M. Community Financial System's net income of $49.6M is higher than NBT Bancorp's net income of $36.7M. Notably, Community Financial System's price-to-earnings ratio is 15.94x while NBT Bancorp's PE ratio is 14.72x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Community Financial System is 3.97x versus 3.58x for NBT Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CBU
    Community Financial System
    3.97x 15.94x $196.2M $49.6M
    NBTB
    NBT Bancorp
    3.58x 14.72x $154M $36.7M

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