Financhill
Buy
68

CBU Quote, Financials, Valuation and Earnings

Last price:
$58.19
Seasonality move :
3.92%
Day range:
$57.99 - $58.90
52-week range:
$49.44 - $73.39
Dividend yield:
3.15%
P/E ratio:
16.17x
P/S ratio:
4.03x
P/B ratio:
1.68x
Volume:
386K
Avg. volume:
201.8K
1-year change:
12.08%
Market cap:
$3.1B
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
$201.3M $1.01 9.86% 10.99% $67.40
BHB
Bar Harbor Bankshares
$39.3M $0.69 5.12% 4.48% $32.50
BRBS
Blue Ridge Bankshares
-- -- -- -- --
OPHC
OptimumBank Holdings
-- -- -- -- $5.00
PRK
Park National
$134.9M $2.45 6.51% 1.1% $172.67
TMP
Tompkins Financial
$80M $1.35 11.62% 22.73% $72.50
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CBU
Community Financial System
$58.37 $67.40 $3.1B 16.17x $0.46 3.15% 4.03x
BHB
Bar Harbor Bankshares
$31.81 $32.50 $487.4M 11.03x $0.32 3.84% 3.20x
BRBS
Blue Ridge Bankshares
$3.74 -- $341M -- $0.00 0% 3.07x
OPHC
OptimumBank Holdings
$4.50 $5.00 $52.9M 3.38x $0.00 0% 1.21x
PRK
Park National
$176.14 $172.67 $2.9B 18.08x $1.07 2.42% 5.41x
TMP
Tompkins Financial
$66.82 $72.50 $964.5M 13.00x $0.62 3.7% 3.13x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CBU
Community Financial System
24.51% 1.380 19.82% 3.33x
BHB
Bar Harbor Bankshares
33.99% 1.164 53.25% 2.04x
BRBS
Blue Ridge Bankshares
35.94% 1.580 66.32% --
OPHC
OptimumBank Holdings
8.47% 0.334 20.71% 14.67x
PRK
Park National
17.47% 1.403 11.05% 14.28x
TMP
Tompkins Financial
39.95% 1.426 54.51% 8.50x
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
BHB
Bar Harbor Bankshares
-- -- 6.14% 9.66% 83.74% $7.8M
BRBS
Blue Ridge Bankshares
-- -- -2.41% -4.28% 70.13% -$3.6M
OPHC
OptimumBank Holdings
-- -- 11.09% 15.42% 101.13% $2.9M
PRK
Park National
-- -- 10.62% 12.97% 60.73% $36.8M
TMP
Tompkins Financial
-- -- 5.55% 10.46% 71.73% $20.9M

Community Financial System vs. Competitors

  • Which has Higher Returns CBU or BHB?

    Bar Harbor Bankshares has a net margin of 25.28% compared to Community Financial System's net margin of 27.38%. Community Financial System's return on equity of 10.98% beat Bar Harbor Bankshares's return on equity of 9.66%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    BHB
    Bar Harbor Bankshares
    -- $0.66 $707.9M
  • What do Analysts Say About CBU or BHB?

    Community Financial System has a consensus price target of $67.40, signalling upside risk potential of 15.47%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $32.50 which suggests that it could grow by 2.17%. Given that Community Financial System has higher upside potential than Bar Harbor Bankshares, analysts believe Community Financial System is more attractive than Bar Harbor Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 3 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is CBU or BHB More Risky?

    Community Financial System has a beta of 0.785, which suggesting that the stock is 21.488% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.645, suggesting its less volatile than the S&P 500 by 35.494%.

  • Which is a Better Dividend Stock CBU or BHB?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.15%. Bar Harbor Bankshares offers a yield of 3.84% to investors and pays a quarterly dividend of $0.32 per share. Community Financial System pays 52.49% of its earnings as a dividend. Bar Harbor Bankshares pays out 40.85% 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 BHB?

    Community Financial System quarterly revenues are $196.2M, which are larger than Bar Harbor Bankshares quarterly revenues of $37.3M. Community Financial System's net income of $49.6M is higher than Bar Harbor Bankshares's net income of $10.2M. Notably, Community Financial System's price-to-earnings ratio is 16.17x while Bar Harbor Bankshares's PE ratio is 11.03x. 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 4.03x versus 3.20x for Bar Harbor Bankshares. 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
    4.03x 16.17x $196.2M $49.6M
    BHB
    Bar Harbor Bankshares
    3.20x 11.03x $37.3M $10.2M
  • Which has Higher Returns CBU or BRBS?

    Blue Ridge Bankshares has a net margin of 25.28% compared to Community Financial System's net margin of -1.97%. Community Financial System's return on equity of 10.98% beat Blue Ridge Bankshares's return on equity of -4.28%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    BRBS
    Blue Ridge Bankshares
    -- -$0.01 $528.1M
  • What do Analysts Say About CBU or BRBS?

    Community Financial System has a consensus price target of $67.40, signalling upside risk potential of 15.47%. On the other hand Blue Ridge Bankshares has an analysts' consensus of -- which suggests that it could fall by --. Given that Community Financial System has higher upside potential than Blue Ridge Bankshares, analysts believe Community Financial System is more attractive than Blue Ridge Bankshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 3 0
    BRBS
    Blue Ridge Bankshares
    0 0 0
  • Is CBU or BRBS More Risky?

    Community Financial System has a beta of 0.785, which suggesting that the stock is 21.488% less volatile than S&P 500. In comparison Blue Ridge Bankshares has a beta of 0.778, suggesting its less volatile than the S&P 500 by 22.16%.

  • Which is a Better Dividend Stock CBU or BRBS?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.15%. Blue Ridge Bankshares offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Community Financial System pays 52.49% of its earnings as a dividend. Blue Ridge Bankshares pays out -- 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 BRBS?

    Community Financial System quarterly revenues are $196.2M, which are larger than Blue Ridge Bankshares quarterly revenues of $22.1M. Community Financial System's net income of $49.6M is higher than Blue Ridge Bankshares's net income of -$434K. Notably, Community Financial System's price-to-earnings ratio is 16.17x while Blue Ridge Bankshares's PE ratio is --. 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 4.03x versus 3.07x for Blue Ridge Bankshares. 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
    4.03x 16.17x $196.2M $49.6M
    BRBS
    Blue Ridge Bankshares
    3.07x -- $22.1M -$434K
  • Which has Higher Returns CBU or OPHC?

    OptimumBank Holdings has a net margin of 25.28% compared to Community Financial System's net margin of 36.31%. Community Financial System's return on equity of 10.98% beat OptimumBank Holdings's return on equity of 15.42%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    OPHC
    OptimumBank Holdings
    -- $0.32 $118M
  • What do Analysts Say About CBU or OPHC?

    Community Financial System has a consensus price target of $67.40, signalling upside risk potential of 15.47%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.00 which suggests that it could grow by 11.11%. Given that Community Financial System has higher upside potential than OptimumBank Holdings, analysts believe Community Financial System is more attractive than OptimumBank Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 3 0
    OPHC
    OptimumBank Holdings
    0 1 0
  • Is CBU or OPHC More Risky?

    Community Financial System has a beta of 0.785, which suggesting that the stock is 21.488% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.473, suggesting its less volatile than the S&P 500 by 52.678%.

  • Which is a Better Dividend Stock CBU or OPHC?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.15%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Community Financial System pays 52.49% of its earnings as a dividend. OptimumBank Holdings pays out -- 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 OPHC?

    Community Financial System quarterly revenues are $196.2M, which are larger than OptimumBank Holdings quarterly revenues of $10.7M. Community Financial System's net income of $49.6M is higher than OptimumBank Holdings's net income of $3.9M. Notably, Community Financial System's price-to-earnings ratio is 16.17x while OptimumBank Holdings's PE ratio is 3.38x. 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 4.03x versus 1.21x for OptimumBank Holdings. 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
    4.03x 16.17x $196.2M $49.6M
    OPHC
    OptimumBank Holdings
    1.21x 3.38x $10.7M $3.9M
  • Which has Higher Returns CBU or PRK?

    Park National has a net margin of 25.28% compared to Community Financial System's net margin of 32.4%. Community Financial System's return on equity of 10.98% beat Park National's return on equity of 12.97%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    PRK
    Park National
    -- $2.60 $1.5B
  • What do Analysts Say About CBU or PRK?

    Community Financial System has a consensus price target of $67.40, signalling upside risk potential of 15.47%. On the other hand Park National has an analysts' consensus of $172.67 which suggests that it could fall by -1.97%. Given that Community Financial System has higher upside potential than Park National, analysts believe Community Financial System is more attractive than Park National.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 3 0
    PRK
    Park National
    0 3 0
  • Is CBU or PRK More Risky?

    Community Financial System has a beta of 0.785, which suggesting that the stock is 21.488% less volatile than S&P 500. In comparison Park National has a beta of 0.821, suggesting its less volatile than the S&P 500 by 17.866%.

  • Which is a Better Dividend Stock CBU or PRK?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.15%. Park National offers a yield of 2.42% to investors and pays a quarterly dividend of $1.07 per share. Community Financial System pays 52.49% of its earnings as a dividend. Park National pays out 51.18% 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 PRK?

    Community Financial System quarterly revenues are $196.2M, which are larger than Park National quarterly revenues of $130.1M. Community Financial System's net income of $49.6M is higher than Park National's net income of $42.2M. Notably, Community Financial System's price-to-earnings ratio is 16.17x while Park National's PE ratio is 18.08x. 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 4.03x versus 5.41x for Park National. 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
    4.03x 16.17x $196.2M $49.6M
    PRK
    Park National
    5.41x 18.08x $130.1M $42.2M
  • Which has Higher Returns CBU or TMP?

    Tompkins Financial has a net margin of 25.28% compared to Community Financial System's net margin of 24.09%. Community Financial System's return on equity of 10.98% beat Tompkins Financial's return on equity of 10.46%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System
    -- $0.93 $2.4B
    TMP
    Tompkins Financial
    -- $1.37 $1.2B
  • What do Analysts Say About CBU or TMP?

    Community Financial System has a consensus price target of $67.40, signalling upside risk potential of 15.47%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 8.5%. Given that Community Financial System has higher upside potential than Tompkins Financial, analysts believe Community Financial System is more attractive than Tompkins Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System
    2 3 0
    TMP
    Tompkins Financial
    0 1 0
  • Is CBU or TMP More Risky?

    Community Financial System has a beta of 0.785, which suggesting that the stock is 21.488% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.902, suggesting its less volatile than the S&P 500 by 9.793%.

  • Which is a Better Dividend Stock CBU or TMP?

    Community Financial System has a quarterly dividend of $0.46 per share corresponding to a yield of 3.15%. Tompkins Financial offers a yield of 3.7% to investors and pays a quarterly dividend of $0.62 per share. Community Financial System pays 52.49% of its earnings as a dividend. Tompkins Financial pays out 49.47% 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 TMP?

    Community Financial System quarterly revenues are $196.2M, which are larger than Tompkins Financial quarterly revenues of $81.7M. Community Financial System's net income of $49.6M is higher than Tompkins Financial's net income of $19.7M. Notably, Community Financial System's price-to-earnings ratio is 16.17x while Tompkins Financial's PE ratio is 13.00x. 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 4.03x versus 3.13x for Tompkins Financial. 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
    4.03x 16.17x $196.2M $49.6M
    TMP
    Tompkins Financial
    3.13x 13.00x $81.7M $19.7M

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