Financhill
Buy
60

CBU Quote, Financials, Valuation and Earnings

Last price:
$63.05
Seasonality move :
1.68%
Day range:
$64.13 - $65.55
52-week range:
$49.44 - $67.50
Dividend yield:
2.86%
P/E ratio:
16.37x
P/S ratio:
3.40x
P/B ratio:
1.71x
Volume:
276.5K
Avg. volume:
251.8K
1-year change:
1.64%
Market cap:
$3.4B
Revenue:
$1B
EPS (TTM):
$3.97

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.
$213.2M $1.13 -11.07% 17.58% $67.60
COLB
Columbia Banking System, Inc.
$693.5M $0.72 -5.37% 66.09% $32.58
CZNC
Citizens & Northern Corp.
$35.4M $0.59 -8.08% 42.51% $23.50
OZK
Bank OZK
$434.3M $1.55 -36.97% -1.99% $53.78
PEBO
Peoples Bancorp, Inc. (Ohio)
$117.9M $0.88 -21.78% 16.38% $35.14
PFS
Provident Financial Services, Inc.
$224.1M $0.56 -32.01% 13.52% $25.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CBU
Community Financial System, Inc.
$64.99 $67.60 $3.4B 16.37x $0.47 2.86% 3.40x
COLB
Columbia Banking System, Inc.
$31.76 $32.58 $9.4B 14.05x $0.37 4.57% 2.36x
CZNC
Citizens & Northern Corp.
$23.84 $23.50 $424.9M 16.16x $0.28 4.7% 2.23x
OZK
Bank OZK
$49.82 $53.78 $5.6B 8.07x $0.46 3.57% 2.01x
PEBO
Peoples Bancorp, Inc. (Ohio)
$34.03 $35.14 $1.2B 11.37x $0.41 4.82% 1.95x
PFS
Provident Financial Services, Inc.
$23.08 $25.00 $3B 10.35x $0.24 4.16% 2.18x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CBU
Community Financial System, Inc.
25.59% 0.878 22.8% 0.00x
COLB
Columbia Banking System, Inc.
32.89% 0.966 46.53% 0.00x
CZNC
Citizens & Northern Corp.
35.67% 0.336 52.7% 0.00x
OZK
Bank OZK
7.03% 1.063 8.45% 0.00x
PEBO
Peoples Bancorp, Inc. (Ohio)
37.84% 0.628 68.66% 0.00x
PFS
Provident Financial Services, Inc.
47.06% 0.715 97.63% 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.
-- $71.9M 7.67% 11.13% 45.51% $83.4M
COLB
Columbia Banking System, Inc.
-- $321M 5.55% 8.78% 54.11% $227.9M
CZNC
Citizens & Northern Corp.
-- $12.3M 4.78% 7.87% 36.79% $8.5M
OZK
Bank OZK
-- $228.4M 10.46% 12.05% 69.88% $128.1M
PEBO
Peoples Bancorp, Inc. (Ohio)
-- $38M 6.14% 9.13% 49.41% $12.7M
PFS
Provident Financial Services, Inc.
-- $112.2M 5.41% 10.73% 67.87% $96.7M

Community Financial System, Inc. vs. Competitors

  • Which has Higher Returns CBU or COLB?

    Columbia Banking System, Inc. has a net margin of 20.65% compared to Community Financial System, Inc.'s net margin of 22.68%. Community Financial System, Inc.'s return on equity of 11.13% beat Columbia Banking System, Inc.'s return on equity of 8.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.03 $2.7B
    COLB
    Columbia Banking System, Inc.
    -- $0.72 $11.7B
  • What do Analysts Say About CBU or COLB?

    Community Financial System, Inc. has a consensus price target of $67.60, signalling upside risk potential of 4.02%. On the other hand Columbia Banking System, Inc. has an analysts' consensus of $32.58 which suggests that it could grow by 2.57%. 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 0.808, which suggesting that the stock is 19.21% less volatile than S&P 500. In comparison Columbia Banking System, Inc. has a beta of 0.614, suggesting its less volatile than the S&P 500 by 38.588%.

  • 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 2.86%. Columbia Banking System, Inc. offers a yield of 4.57% to investors and pays a quarterly dividend of $0.37 per share. Community Financial System, Inc. pays 46.85% of its earnings as a dividend. Columbia Banking System, Inc. pays out 63.04% 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 $263.6M, which are smaller than Columbia Banking System, Inc. quarterly revenues of $948M. Community Financial System, Inc.'s net income of $54.4M is lower than Columbia Banking System, Inc.'s net income of $215M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 16.37x while Columbia Banking System, Inc.'s PE ratio is 14.05x. 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 3.40x versus 2.36x 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.
    3.40x 16.37x $263.6M $54.4M
    COLB
    Columbia Banking System, Inc.
    2.36x 14.05x $948M $215M
  • Which has Higher Returns CBU or CZNC?

    Citizens & Northern Corp. has a net margin of 20.65% compared to Community Financial System, Inc.'s net margin of 8.97%. Community Financial System, Inc.'s return on equity of 11.13% beat Citizens & Northern Corp.'s return on equity of 7.87%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.03 $2.7B
    CZNC
    Citizens & Northern Corp.
    -- $0.25 $531.2M
  • What do Analysts Say About CBU or CZNC?

    Community Financial System, Inc. has a consensus price target of $67.60, signalling upside risk potential of 4.02%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $23.50 which suggests that it could fall by -1.43%. Given that Community Financial System, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe Community Financial System, Inc. is more attractive than Citizens & Northern Corp..

    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 0.808, which suggesting that the stock is 19.21% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.553, suggesting its less volatile than the S&P 500 by 44.651%.

  • 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 2.86%. Citizens & Northern Corp. offers a yield of 4.7% to investors and pays a quarterly dividend of $0.28 per share. Community Financial System, Inc. pays 46.85% of its earnings as a dividend. Citizens & Northern Corp. pays out 76.85% 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 CZNC?

    Community Financial System, Inc. quarterly revenues are $263.6M, which are larger than Citizens & Northern Corp. quarterly revenues of $49.8M. Community Financial System, Inc.'s net income of $54.4M is higher than Citizens & Northern Corp.'s net income of $4.5M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 16.37x while Citizens & Northern Corp.'s PE ratio is 16.16x. 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 3.40x versus 2.23x 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.
    3.40x 16.37x $263.6M $54.4M
    CZNC
    Citizens & Northern Corp.
    2.23x 16.16x $49.8M $4.5M
  • Which has Higher Returns CBU or OZK?

    Bank OZK has a net margin of 20.65% compared to Community Financial System, Inc.'s net margin of 24.97%. Community Financial System, Inc.'s return on equity of 11.13% beat Bank OZK's return on equity of 12.05%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.03 $2.7B
    OZK
    Bank OZK
    -- $1.53 $6.6B
  • What do Analysts Say About CBU or OZK?

    Community Financial System, Inc. has a consensus price target of $67.60, signalling upside risk potential of 4.02%. On the other hand Bank OZK has an analysts' consensus of $53.78 which suggests that it could grow by 7.94%. Given that Bank OZK has higher upside potential than Community Financial System, Inc., analysts believe Bank OZK is more attractive than Community Financial System, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System, Inc.
    1 3 0
    OZK
    Bank OZK
    3 5 1
  • Is CBU or OZK More Risky?

    Community Financial System, Inc. has a beta of 0.808, which suggesting that the stock is 19.21% less volatile than S&P 500. In comparison Bank OZK has a beta of 0.943, suggesting its less volatile than the S&P 500 by 5.676%.

  • Which is a Better Dividend Stock CBU or OZK?

    Community Financial System, Inc. has a quarterly dividend of $0.47 per share corresponding to a yield of 2.86%. Bank OZK offers a yield of 3.57% to investors and pays a quarterly dividend of $0.46 per share. Community Financial System, Inc. pays 46.85% of its earnings as a dividend. Bank OZK pays out 28.16% 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 OZK?

    Community Financial System, Inc. quarterly revenues are $263.6M, which are smaller than Bank OZK quarterly revenues of $704.6M. Community Financial System, Inc.'s net income of $54.4M is lower than Bank OZK's net income of $175.9M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 16.37x while Bank OZK's PE ratio is 8.07x. 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 3.40x versus 2.01x for Bank OZK. 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.
    3.40x 16.37x $263.6M $54.4M
    OZK
    Bank OZK
    2.01x 8.07x $704.6M $175.9M
  • Which has Higher Returns CBU or PEBO?

    Peoples Bancorp, Inc. (Ohio) has a net margin of 20.65% compared to Community Financial System, Inc.'s net margin of 20.09%. Community Financial System, Inc.'s return on equity of 11.13% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 9.13%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.03 $2.7B
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    -- $0.89 $1.9B
  • What do Analysts Say About CBU or PEBO?

    Community Financial System, Inc. has a consensus price target of $67.60, signalling upside risk potential of 4.02%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $35.14 which suggests that it could grow by 2.36%. 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 0.808, which suggesting that the stock is 19.21% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.683, suggesting its less volatile than the S&P 500 by 31.665%.

  • 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 2.86%. Peoples Bancorp, Inc. (Ohio) offers a yield of 4.82% to investors and pays a quarterly dividend of $0.41 per share. Community Financial System, Inc. pays 46.85% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 54.52% 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 $263.6M, which are larger than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.8M. Community Financial System, Inc.'s net income of $54.4M is higher than Peoples Bancorp, Inc. (Ohio)'s net income of $31.5M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 16.37x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 11.37x. 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, Inc. is 3.40x versus 1.95x 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.
    3.40x 16.37x $263.6M $54.4M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1.95x 11.37x $156.8M $31.5M
  • Which has Higher Returns CBU or PFS?

    Provident Financial Services, Inc. has a net margin of 20.65% compared to Community Financial System, Inc.'s net margin of 23.63%. Community Financial System, Inc.'s return on equity of 11.13% beat Provident Financial Services, Inc.'s return on equity of 10.73%.

    Company Gross Margin Earnings Per Share Invested Capital
    CBU
    Community Financial System, Inc.
    -- $1.03 $2.7B
    PFS
    Provident Financial Services, Inc.
    -- $0.64 $5.4B
  • What do Analysts Say About CBU or PFS?

    Community Financial System, Inc. has a consensus price target of $67.60, signalling upside risk potential of 4.02%. On the other hand Provident Financial Services, Inc. has an analysts' consensus of $25.00 which suggests that it could grow by 8.32%. Given that Provident Financial Services, Inc. has higher upside potential than Community Financial System, Inc., analysts believe Provident Financial Services, Inc. is more attractive than Community Financial System, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CBU
    Community Financial System, Inc.
    1 3 0
    PFS
    Provident Financial Services, Inc.
    2 0 0
  • Is CBU or PFS More Risky?

    Community Financial System, Inc. has a beta of 0.808, which suggesting that the stock is 19.21% less volatile than S&P 500. In comparison Provident Financial Services, Inc. has a beta of 0.865, suggesting its less volatile than the S&P 500 by 13.53%.

  • Which is a Better Dividend Stock CBU or PFS?

    Community Financial System, Inc. has a quarterly dividend of $0.47 per share corresponding to a yield of 2.86%. Provident Financial Services, Inc. offers a yield of 4.16% to investors and pays a quarterly dividend of $0.24 per share. Community Financial System, Inc. pays 46.85% of its earnings as a dividend. Provident Financial Services, Inc. pays out 43.05% 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 PFS?

    Community Financial System, Inc. quarterly revenues are $263.6M, which are smaller than Provident Financial Services, Inc. quarterly revenues of $353.2M. Community Financial System, Inc.'s net income of $54.4M is lower than Provident Financial Services, Inc.'s net income of $83.4M. Notably, Community Financial System, Inc.'s price-to-earnings ratio is 16.37x while Provident Financial Services, Inc.'s PE ratio is 10.35x. 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 3.40x versus 2.18x for Provident Financial Services, 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.
    3.40x 16.37x $263.6M $54.4M
    PFS
    Provident Financial Services, Inc.
    2.18x 10.35x $353.2M $83.4M

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