Community Bank System (CBU) Competitors

First Horizon (NYSE:FHN) and Community Bank System (NYSE:CBU) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their media sentiment, community ranking, institutional ownership, dividends, earnings, risk, analyst recommendations, valuation and profitability.

Which has stronger valuation & earnings, FHN or CBU?

First Horizon has higher revenue and earnings than Community Bank System. First Horizon is trading at a lower price-to-earnings ratio than Community Bank System, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Horizon	$3.09B	3.29	$775M	$1.44	13.88
Community Bank System	$765.28M	3.96	$182.48M	$3.61	15.87

Is FHN or CBU a better dividend stock?

First Horizon pays an annual dividend of $0.60 per share and has a dividend yield of 3.0%. Community Bank System pays an annual dividend of $1.84 per share and has a dividend yield of 3.2%. First Horizon pays out 41.7% of its earnings in the form of a dividend. Community Bank System pays out 51.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Community Bank System has raised its dividend for 33 consecutive years. Community Bank System is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is FHN or CBU more profitable?

Community Bank System has a net margin of 19.40% compared to First Horizon's net margin of 15.38%. Community Bank System's return on equity of 10.94% beat First Horizon's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Horizon	15.38%	10.10%	1.07%
Community Bank System	19.40%	10.94%	1.17%

Which has more risk & volatility, FHN or CBU?

First Horizon has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500. Comparatively, Community Bank System has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500.

Does the MarketBeat Community favor FHN or CBU?

First Horizon received 309 more outperform votes than Community Bank System when rated by MarketBeat users. Likewise, 54.51% of users gave First Horizon an outperform vote while only 47.45% of users gave Community Bank System an outperform vote.

Company	Underperform	Outperform
First Horizon	Outperform Votes 514 54.51%	Underperform Votes 429 45.49%
Community Bank System	Outperform Votes 205 47.45%	Underperform Votes 227 52.55%

Do institutionals & insiders have more ownership in FHN or CBU?

80.3% of First Horizon shares are owned by institutional investors. Comparatively, 73.8% of Community Bank System shares are owned by institutional investors. 0.9% of First Horizon shares are owned by company insiders. Comparatively, 1.0% of Community Bank System shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Do analysts recommend FHN or CBU?

First Horizon currently has a consensus target price of $22.53, indicating a potential upside of 12.70%. Community Bank System has a consensus target price of $71.00, indicating a potential upside of 23.90%. Given Community Bank System's higher probable upside, analysts plainly believe Community Bank System is more favorable than First Horizon.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Horizon	0 Sell rating(s)	6 Hold rating(s)	10 Buy rating(s)	1 Strong Buy rating(s)	2.71
Community Bank System	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67

Does the media favor FHN or CBU?

In the previous week, First Horizon had 10 more articles in the media than Community Bank System. MarketBeat recorded 11 mentions for First Horizon and 1 mentions for Community Bank System. Community Bank System's average media sentiment score of 1.54 beat First Horizon's score of 1.26 indicating that Community Bank System is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Horizon	8 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Community Bank System	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Summary

Community Bank System beats First Horizon on 12 of the 21 factors compared between the two stocks.