Financhill
Buy
60

CBU Quote, Financials, Valuation and Earnings

Last price:
$60.34
Seasonality move :
2.06%
Day range:
$58.26 - $60.19
52-week range:
$49.44 - $68.11
Dividend yield:
3.09%
P/E ratio:
15.53x
P/S ratio:
3.21x
P/B ratio:
1.63x
Volume:
201.1K
Avg. volume:
224K
1-year change:
-2.27%
Market cap:
$3.2B
Revenue:
$943.9M
EPS (TTM):
$3.87

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, Inc.
$212.8M $1.14 -13.48% 21.52% $67.00
COLB
Columbia Banking System, Inc.
$693.5M $0.71 -4.56% 4.7% $30.50
CVBF
CVB Financial Corp.
$135.4M $0.40 -17.75% 1.05% $22.90
CZNC
Citizens & Northern Corp.
$35.4M $0.58 -13.4% 10.48% $22.50
FIBK
First Interstate BancSystem, Inc.
$257M $0.63 -31.03% 25.67% $37.00
PEBO
Peoples Bancorp, Inc. (Ohio)
$118M $0.88 -23.88% 16.15% $34.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CBU
Community Financial System, Inc.
$60.16 $67.00 $3.2B 15.53x $0.47 3.09% 3.21x
COLB
Columbia Banking System, Inc.
$28.99 $30.50 $8.7B 13.04x $0.37 5% 2.10x
CVBF
CVB Financial Corp.
$19.26 $22.90 $2.6B 13.05x $0.20 4.15% 4.14x
CZNC
Citizens & Northern Corp.
$20.19 $22.50 $359.4M 11.54x $0.28 5.55% 1.93x
FIBK
First Interstate BancSystem, Inc.
$37.09 $37.00 $3.8B 15.63x $0.47 5.07% 2.76x
PEBO
Peoples Bancorp, Inc. (Ohio)
$30.92 $34.00 $1.1B 10.82x $0.41 5.27% 1.77x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CBU
Community Financial System, Inc.
28.25% 0.936 24.72% 0.00x
COLB
Columbia Banking System, Inc.
28.29% 0.974 39.91% 0.00x
CVBF
CVB Financial Corp.
30.43% 0.641 38.39% 0.00x
CZNC
Citizens & Northern Corp.
37.22% 0.493 56.63% 0.00x
FIBK
First Interstate BancSystem, Inc.
18.72% 1.059 23.98% 0.00x
PEBO
Peoples Bancorp, Inc. (Ohio)
37.88% 0.646 67.53% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
CBU
Community Financial System, Inc.
-- $82.1M 7.47% 11.13% 47.78% $83.4M
COLB
Columbia Banking System, Inc.
-- $206M 5.04% 8.32% 43.38% $227.9M
CVBF
CVB Financial Corp.
-- $69M 6.51% 9.15% 63.48% $80.7M
CZNC
Citizens & Northern Corp.
-- $8.9M 5.6% 9.51% 47.39% $8.5M
FIBK
First Interstate BancSystem, Inc.
-- $92.6M 4.72% 7.26% 52.96% $84.3M
PEBO
Peoples Bancorp, Inc. (Ohio)
-- $38M 6.14% 8.84% 50.74% $12.7M

Community Financial System, Inc. vs. Competitors

  • Which has Higher Returns CBU or COLB?

    Columbia Banking System, Inc. has a net margin of 21.43% compared to Community Financial System, Inc.'s net margin of 11.77%. Community Financial System, Inc.'s return on equity of 11.13% beat Columbia Banking System, Inc.'s return on equity of 8.32%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.04 $2.7B
    COLB
    Columbia Banking System, Inc.
    -- $0.40 $10.9B
  • What do Analysts Say About CBU or COLB?

    Community Financial System, Inc. has a consensus price target of $67.00, signalling upside risk potential of 11.37%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $30.50 which suggests that it could grow by 5.21%. Given that Community Financial System, Inc. has higher upside potential than Columbia Banking System, Inc., analysts believe Community Financial System, Inc. is more attractive than Columbia Banking System, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System, Inc.
    1 3 0
    COLB
    Columbia Banking System, Inc.
    2 9 0
  • Is CBU or COLB More Risky?

    Community Financial System, Inc. has a beta of 0.796, which suggesting that the stock is 20.449% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.597, suggesting its less volatile than the S&P 500 by 40.325%.

  • Which is a Better Dividend Stock CBU or COLB?

    Community Financial System, Inc. has a quarterly dividend of $0.47 per share corresponding to a yield of 3.09%. Columbia Banking System, Inc. offers a yield of 5% to investors and pays a quarterly dividend of $0.37 per share. Community Financial System, Inc. pays 52.96% of its earnings as a dividend. Columbia Banking System, Inc. pays out 56.48% 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 COLB?

    Community Financial System, Inc. quarterly revenues are $255.9M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $816M. Community Financial System, Inc.'s net income of $54.8M is lower than Columbia Banking System, Inc.'s net income of $96M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 15.53x while Columbia Banking System, Inc.'s PE ratio is 13.04x. 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, Inc. is 3.21x versus 2.10x for Columbia Banking System, Inc.. 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, Inc.
    3.21x 15.53x $255.9M $54.8M
    COLB
    Columbia Banking System, Inc.
    2.10x 13.04x $816M $96M
  • Which has Higher Returns CBU or CVBF?

    CVB Financial Corp. has a net margin of 21.43% compared to Community Financial System, Inc.'s net margin of 32.03%. Community Financial System, Inc.'s return on equity of 11.13% beat CVB Financial Corp.'s return on equity of 9.15%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.04 $2.7B
    CVBF
    CVB Financial Corp.
    -- $0.38 $3.3B
  • What do Analysts Say About CBU or CVBF?

    Community Financial System, Inc. has a consensus price target of $67.00, signalling upside risk potential of 11.37%. On the other hand CVB Financial Corp. has an analysts' consensus of $22.90 which suggests that it could grow by 18.9%. Given that CVB Financial Corp. has higher upside potential than Community Financial System, Inc., analysts believe CVB Financial Corp. is more attractive than Community Financial System, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System, Inc.
    1 3 0
    CVBF
    CVB Financial Corp.
    0 4 0
  • Is CBU or CVBF More Risky?

    Community Financial System, Inc. has a beta of 0.796, which suggesting that the stock is 20.449% less volatile than S&P 500. In comparison CVB Financial Corp. has a beta of 0.681, suggesting its less volatile than the S&P 500 by 31.853%.

  • Which is a Better Dividend Stock CBU or CVBF?

    Community Financial System, Inc. has a quarterly dividend of $0.47 per share corresponding to a yield of 3.09%. CVB Financial Corp. offers a yield of 4.15% to investors and pays a quarterly dividend of $0.20 per share. Community Financial System, Inc. pays 52.96% of its earnings as a dividend. CVB Financial Corp. pays out 55.63% 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 CVBF?

    Community Financial System, Inc. quarterly revenues are $255.9M, which are larger than CVB Financial Corp. quarterly revenues of $163.1M. Community Financial System, Inc.'s net income of $54.8M is higher than CVB Financial Corp.'s net income of $52.2M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 15.53x while CVB Financial Corp.'s PE ratio is 13.05x. 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, Inc. is 3.21x versus 4.14x for CVB Financial Corp.. 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, Inc.
    3.21x 15.53x $255.9M $54.8M
    CVBF
    CVB Financial Corp.
    4.14x 13.05x $163.1M $52.2M
  • Which has Higher Returns CBU or CZNC?

    Citizens & Northern Corp. has a net margin of 21.43% compared to Community Financial System, Inc.'s net margin of 15.87%. Community Financial System, Inc.'s return on equity of 11.13% beat Citizens & Northern Corp.'s return on equity of 9.51%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.04 $2.7B
    CZNC
    Citizens & Northern Corp.
    -- $0.42 $468.2M
  • What do Analysts Say About CBU or CZNC?

    Community Financial System, Inc. has a consensus price target of $67.00, signalling upside risk potential of 11.37%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 11.44%. Given that Citizens & Northern Corp. has higher upside potential than Community Financial System, Inc., analysts believe Citizens & Northern Corp. is more attractive than Community Financial System, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System, Inc.
    1 3 0
    CZNC
    Citizens & Northern Corp.
    0 1 0
  • Is CBU or CZNC More Risky?

    Community Financial System, Inc. has a beta of 0.796, which suggesting that the stock is 20.449% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.555, suggesting its less volatile than the S&P 500 by 44.5%.

  • Which is a Better Dividend Stock CBU or CZNC?

    Community Financial System, Inc. has a quarterly dividend of $0.47 per share corresponding to a yield of 3.09%. Citizens & Northern Corp. offers a yield of 5.55% to investors and pays a quarterly dividend of $0.28 per share. Community Financial System, Inc. pays 52.96% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% 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 CZNC?

    Community Financial System, Inc. quarterly revenues are $255.9M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. Community Financial System, Inc.'s net income of $54.8M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 15.53x while Citizens & Northern Corp.'s PE ratio is 11.54x. 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, Inc. is 3.21x versus 1.93x for Citizens & Northern Corp.. 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, Inc.
    3.21x 15.53x $255.9M $54.8M
    CZNC
    Citizens & Northern Corp.
    1.93x 11.54x $40.9M $6.5M
  • Which has Higher Returns CBU or FIBK?

    First Interstate BancSystem, Inc. has a net margin of 21.43% compared to Community Financial System, Inc.'s net margin of 21.27%. Community Financial System, Inc.'s return on equity of 11.13% beat First Interstate BancSystem, Inc.'s return on equity of 7.26%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.04 $2.7B
    FIBK
    First Interstate BancSystem, Inc.
    -- $0.69 $4.2B
  • What do Analysts Say About CBU or FIBK?

    Community Financial System, Inc. has a consensus price target of $67.00, signalling upside risk potential of 11.37%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $37.00 which suggests that it could fall by -0.24%. Given that Community Financial System, Inc. has higher upside potential than First Interstate BancSystem, Inc., analysts believe Community Financial System, Inc. is more attractive than First Interstate BancSystem, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System, Inc.
    1 3 0
    FIBK
    First Interstate BancSystem, Inc.
    2 3 1
  • Is CBU or FIBK More Risky?

    Community Financial System, Inc. has a beta of 0.796, which suggesting that the stock is 20.449% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.807, suggesting its less volatile than the S&P 500 by 19.278%.

  • Which is a Better Dividend Stock CBU or FIBK?

    Community Financial System, Inc. has a quarterly dividend of $0.47 per share corresponding to a yield of 3.09%. First Interstate BancSystem, Inc. offers a yield of 5.07% to investors and pays a quarterly dividend of $0.47 per share. Community Financial System, Inc. pays 52.96% of its earnings as a dividend. First Interstate BancSystem, Inc. pays out 85.84% 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 FIBK?

    Community Financial System, Inc. quarterly revenues are $255.9M, which are smaller than First Interstate BancSystem, Inc. quarterly revenues of $335.7M. Community Financial System, Inc.'s net income of $54.8M is lower than First Interstate BancSystem, Inc.'s net income of $71.4M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 15.53x while First Interstate BancSystem, Inc.'s PE ratio is 15.63x. 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, Inc. is 3.21x versus 2.76x for First Interstate BancSystem, Inc.. 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, Inc.
    3.21x 15.53x $255.9M $54.8M
    FIBK
    First Interstate BancSystem, Inc.
    2.76x 15.63x $335.7M $71.4M
  • Which has Higher Returns CBU or PEBO?

    Peoples Bancorp, Inc. (Ohio) has a net margin of 21.43% compared to Community Financial System, Inc.'s net margin of 18.66%. Community Financial System, Inc.'s return on equity of 11.13% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.04 $2.7B
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    -- $0.83 $1.9B
  • What do Analysts Say About CBU or PEBO?

    Community Financial System, Inc. has a consensus price target of $67.00, signalling upside risk potential of 11.37%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 9.96%. Given that Community Financial System, Inc. has higher upside potential than Peoples Bancorp, Inc. (Ohio), analysts believe Community Financial System, Inc. is more attractive than Peoples Bancorp, Inc. (Ohio).

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System, Inc.
    1 3 0
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1 5 0
  • Is CBU or PEBO More Risky?

    Community Financial System, Inc. has a beta of 0.796, which suggesting that the stock is 20.449% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.655, suggesting its less volatile than the S&P 500 by 34.477%.

  • Which is a Better Dividend Stock CBU or PEBO?

    Community Financial System, Inc. has a quarterly dividend of $0.47 per share corresponding to a yield of 3.09%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.27% to investors and pays a quarterly dividend of $0.41 per share. Community Financial System, Inc. pays 52.96% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% 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 PEBO?

    Community Financial System, Inc. quarterly revenues are $255.9M, which are larger than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Community Financial System, Inc.'s net income of $54.8M is higher than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 15.53x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.82x. 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, Inc. is 3.21x versus 1.77x for Peoples Bancorp, Inc. (Ohio). 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, Inc.
    3.21x 15.53x $255.9M $54.8M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1.77x 10.82x $156.6M $29.2M

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