Question 1

Do analysts recommend ABCB or CBU?

Accepted Answer

Ameris Bancorp currently has a consensus target price of $92.17, suggesting a potential upside of 3.37%. Community Financial System has a consensus target price of $69.75, suggesting a potential upside of 4.83%. Given Community Financial System's higher possible upside, analysts plainly believe Community Financial System is more favorable than Ameris Bancorp. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Ameris Bancorp 0 Sell rating(s) 2 Hold rating(s) 5 Buy rating(s) 0 Strong Buy rating(s) 2.71 Community Financial System 0 Sell rating(s) 4 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.50

Question 2

Is ABCB or CBU a better dividend stock?

Accepted Answer

Ameris Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 0.9%. Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 2.8%. Ameris Bancorp pays out 12.6% of its earnings in the form of a dividend. Community Financial System pays out 45.6% 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 Financial System has raised its dividend for 33 consecutive years. Community Financial System is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Question 3

Which has stronger valuation and earnings, ABCB or CBU?

Accepted Answer

Ameris Bancorp has higher revenue and earnings than Community Financial System. Ameris Bancorp is trading at a lower price-to-earnings ratio than Community Financial 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 Ameris Bancorp $1.20B 4.99 $358.68M $6.36 14.02 Community Financial System $1.01B 3.46 $210.46M $4.12 16.15

Question 4

Do insiders & institutionals believe in ABCB or CBU?

Accepted Answer

91.6% of Ameris Bancorp shares are held by institutional investors. Comparatively, 73.8% of Community Financial System shares are held by institutional investors. 5.7% of Ameris Bancorp shares are held by company insiders. Comparatively, 1.2% of Community Financial System shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Question 5

Is ABCB or CBU more profitable?

Accepted Answer

Ameris Bancorp has a net margin of 21.46% compared to Community Financial System's net margin of 21.26%. Community Financial System's return on equity of 11.24% beat Ameris Bancorp's return on equity. Company Net Margins Return on Equity Return on Assets Ameris Bancorp 21.46% 9.57% 1.32% Community Financial System 21.26% 11.24% 1.28%

Question 6

Which has more risk & volatility, ABCB or CBU?

Accepted Answer

Ameris Bancorp has a beta of 0.91, suggesting that its stock price is 9% less volatile than the broader market. Comparatively, Community Financial System has a beta of 0.78, suggesting that its stock price is 22% less volatile than the broader market.

Question 7

Does the media prefer ABCB or CBU?

Accepted Answer

In the previous week, Ameris Bancorp had 2 more articles in the media than Community Financial System. MarketBeat recorded 4 mentions for Ameris Bancorp and 2 mentions for Community Financial System. Ameris Bancorp's average media sentiment score of 0.69 beat Community Financial System's score of 0.47 indicating that Ameris Bancorp is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Ameris Bancorp 1 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Community Financial System 0 Very Positive mention(s) 2 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral

Question 8

Do analysts recommend BUSE or CBU?

Accepted Answer

First Busey currently has a consensus price target of $27.50, suggesting a potential downside of 5.98%. Community Financial System has a consensus price target of $69.75, suggesting a potential upside of 4.83%. Given Community Financial System's higher possible upside, analysts clearly believe Community Financial System is more favorable than First Busey. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score First Busey 0 Sell rating(s) 3 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 2.57 Community Financial System 0 Sell rating(s) 4 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.50

Question 9

Is BUSE or CBU a better dividend stock?

Accepted Answer

First Busey pays an annual dividend of $1.04 per share and has a dividend yield of 3.6%. Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 2.8%. First Busey pays out 46.2% of its earnings in the form of a dividend. Community Financial System pays out 45.6% 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. First Busey has increased its dividend for 10 consecutive years and Community Financial System has increased its dividend for 33 consecutive years.

Question 10

Which has stronger valuation & earnings, BUSE or CBU?

Accepted Answer

Community Financial System has lower revenue, but higher earnings than First Busey. First Busey is trading at a lower price-to-earnings ratio than Community Financial 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 Busey $1.04B 2.37 $135.26M $2.25 13.00 Community Financial System $1.01B 3.46 $210.46M $4.12 16.15

Question 11

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

Accepted Answer

56.5% of First Busey shares are held by institutional investors. Comparatively, 73.8% of Community Financial System shares are held by institutional investors. 3.8% of First Busey shares are held by company insiders. Comparatively, 1.2% of Community Financial System shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Question 12

Is BUSE or CBU more profitable?

Accepted Answer

Community Financial System has a net margin of 21.26% compared to First Busey's net margin of 19.16%. Community Financial System's return on equity of 11.24% beat First Busey's return on equity. Company Net Margins Return on Equity Return on Assets First Busey 19.16% 10.19% 1.36% Community Financial System 21.26% 11.24% 1.28%

Question 13

Which has more risk and volatility, BUSE or CBU?

Accepted Answer

First Busey has a beta of 0.72, indicating that its share price is 28% less volatile than the broader market. Comparatively, Community Financial System has a beta of 0.78, indicating that its share price is 22% less volatile than the broader market.

Question 14

Does the media refer more to BUSE or CBU?

Accepted Answer

In the previous week, First Busey and First Busey both had 2 articles in the media. First Busey's average media sentiment score of 0.59 beat Community Financial System's score of 0.47 indicating that First Busey is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment First Busey 0 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Community Financial System 0 Very Positive mention(s) 2 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral

Question 15

Do analysts recommend CBU or FFBC?

Accepted Answer

Community Financial System presently has a consensus target price of $69.75, indicating a potential upside of 4.83%. First Financial Bancorp. has a consensus target price of $33.00, indicating a potential upside of 0.24%. Given Community Financial System's higher probable upside, equities analysts clearly believe Community Financial System is more favorable than First Financial Bancorp.. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Community Financial System 0 Sell rating(s) 4 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.50 First Financial Bancorp. 0 Sell rating(s) 4 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 2.50

Question 16

Is CBU or FFBC a better dividend stock?

Accepted Answer

Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 2.8%. First Financial Bancorp. pays an annual dividend of $1.00 per share and has a dividend yield of 3.0%. Community Financial System pays out 45.6% of its earnings in the form of a dividend. First Financial Bancorp. pays out 35.3% 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 Financial System has increased its dividend for 33 consecutive years and First Financial Bancorp. has increased its dividend for 1 consecutive years. First Financial Bancorp. is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 17

Which has higher valuation & earnings, CBU or FFBC?

Accepted Answer

First Financial Bancorp. has higher revenue and earnings than Community Financial System. First Financial Bancorp. is trading at a lower price-to-earnings ratio than Community Financial 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 Community Financial System $1.01B 3.46 $210.46M $4.12 16.15 First Financial Bancorp. $1.26B 2.74 $255.60M $2.83 11.63

Question 18

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

Accepted Answer

73.8% of Community Financial System shares are owned by institutional investors. Comparatively, 77.2% of First Financial Bancorp. shares are owned by institutional investors. 1.2% of Community Financial System shares are owned by company insiders. Comparatively, 1.1% of First Financial Bancorp. shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Question 19

Is CBU or FFBC more profitable?

Accepted Answer

Community Financial System has a net margin of 21.26% compared to First Financial Bancorp.'s net margin of 20.92%. Community Financial System's return on equity of 11.24% beat First Financial Bancorp.'s return on equity. Company Net Margins Return on Equity Return on Assets Community Financial System 21.26% 11.24% 1.28% First Financial Bancorp. 20.92% 11.09% 1.49%

Question 20

Which has more volatility & risk, CBU or FFBC?

Accepted Answer

Community Financial System has a beta of 0.78, indicating that its stock price is 22% less volatile than the broader market. Comparatively, First Financial Bancorp. has a beta of 0.93, indicating that its stock price is 7% less volatile than the broader market.

Question 21

Does the media refer more to CBU or FFBC?

Accepted Answer

In the previous week, Community Financial System and Community Financial System both had 2 articles in the media. First Financial Bancorp.'s average media sentiment score of 0.84 beat Community Financial System's score of 0.47 indicating that First Financial Bancorp. is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Community Financial System 0 Very Positive mention(s) 2 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral First Financial Bancorp. 1 Very Positive mention(s) 0 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 22

Do analysts rate CBU or FRME?

Accepted Answer

Community Financial System presently has a consensus price target of $69.75, suggesting a potential upside of 4.83%. First Merchants has a consensus price target of $48.33, suggesting a potential upside of 13.64%. Given First Merchants' higher probable upside, analysts plainly believe First Merchants is more favorable than Community Financial System. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Community Financial System 0 Sell rating(s) 4 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.50 First Merchants 0 Sell rating(s) 4 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.33

Question 23

Is CBU or FRME a better dividend stock?

Accepted Answer

Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 2.8%. First Merchants pays an annual dividend of $1.48 per share and has a dividend yield of 3.5%. Community Financial System pays out 45.6% of its earnings in the form of a dividend. First Merchants pays out 43.5% 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 Financial System has increased its dividend for 33 consecutive years and First Merchants has increased its dividend for 13 consecutive years. First Merchants is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 24

Which has better earnings and valuation, CBU or FRME?

Accepted Answer

First Merchants has higher revenue and earnings than Community Financial System. First Merchants is trading at a lower price-to-earnings ratio than Community Financial 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 Community Financial System $1.01B 3.46 $210.46M $4.12 16.15 First Merchants $1.05B 2.55 $226M $3.40 12.51

Question 25

Do institutionals and insiders believe in CBU or FRME?

Accepted Answer

73.8% of Community Financial System shares are owned by institutional investors. Comparatively, 73.9% of First Merchants shares are owned by institutional investors. 1.2% of Community Financial System shares are owned by insiders. Comparatively, 1.8% of First Merchants shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Question 26

Is CBU or FRME more profitable?

Accepted Answer

Community Financial System has a net margin of 21.26% compared to First Merchants' net margin of 18.87%. Community Financial System's return on equity of 11.24% beat First Merchants' return on equity. Company Net Margins Return on Equity Return on Assets Community Financial System 21.26% 11.24% 1.28% First Merchants 18.87% 9.58% 1.21%

Question 27

Which has more risk & volatility, CBU or FRME?

Accepted Answer

Community Financial System has a beta of 0.78, meaning that its share price is 22% less volatile than the broader market. Comparatively, First Merchants has a beta of 0.85, meaning that its share price is 15% less volatile than the broader market.

Question 28

Does the media favor CBU or FRME?

Accepted Answer

In the previous week, First Merchants had 1 more articles in the media than Community Financial System. MarketBeat recorded 3 mentions for First Merchants and 2 mentions for Community Financial System. First Merchants' average media sentiment score of 0.87 beat Community Financial System's score of 0.47 indicating that First Merchants is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Community Financial System 0 Very Positive mention(s) 2 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral First Merchants 1 Very Positive mention(s) 2 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 29

Do analysts rate CBU or STBA?

Accepted Answer

Community Financial System presently has a consensus price target of $69.75, suggesting a potential upside of 4.83%. S&T Bancorp has a consensus price target of $44.40, suggesting a potential downside of 8.59%. Given Community Financial System's stronger consensus rating and higher probable upside, research analysts clearly believe Community Financial System is more favorable than S&T Bancorp. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Community Financial System 0 Sell rating(s) 4 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.50 S&T Bancorp 0 Sell rating(s) 5 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.29

Question 30

Is CBU or STBA a better dividend stock?

Accepted Answer

Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 2.8%. S&T Bancorp pays an annual dividend of $1.48 per share and has a dividend yield of 3.0%. Community Financial System pays out 45.6% of its earnings in the form of a dividend. S&T Bancorp pays out 41.5% 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 Financial System has raised its dividend for 33 consecutive years and S&T Bancorp has raised its dividend for 13 consecutive years. S&T Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 31

Which has preferable earnings & valuation, CBU or STBA?

Accepted Answer

Community Financial System has higher revenue and earnings than S&T Bancorp. S&T Bancorp is trading at a lower price-to-earnings ratio than Community Financial 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 Community Financial System $1.01B 3.46 $210.46M $4.12 16.15 S&T Bancorp $568.51M 3.07 $134.23M $3.57 13.61

Question 32

Do insiders & institutionals believe in CBU or STBA?

Accepted Answer

73.8% of Community Financial System shares are held by institutional investors. Comparatively, 65.2% of S&T Bancorp shares are held by institutional investors. 1.2% of Community Financial System shares are held by company insiders. Comparatively, 1.2% of S&T Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Question 33

Is CBU or STBA more profitable?

Accepted Answer

S&T Bancorp has a net margin of 23.71% compared to Community Financial System's net margin of 21.26%. Community Financial System's return on equity of 11.24% beat S&T Bancorp's return on equity. Company Net Margins Return on Equity Return on Assets Community Financial System 21.26% 11.24% 1.28% S&T Bancorp 23.71% 9.35% 1.38%

Question 34

Which has more volatility and risk, CBU or STBA?

Accepted Answer

Community Financial System has a beta of 0.78, suggesting that its stock price is 22% less volatile than the broader market. Comparatively, S&T Bancorp has a beta of 0.85, suggesting that its stock price is 15% less volatile than the broader market.

Question 35

Does the media favor CBU or STBA?

Accepted Answer

In the previous week, S&T Bancorp had 1 more articles in the media than Community Financial System. MarketBeat recorded 3 mentions for S&T Bancorp and 2 mentions for Community Financial System. S&T Bancorp's average media sentiment score of 0.56 beat Community Financial System's score of 0.47 indicating that S&T Bancorp is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Community Financial System 0 Very Positive mention(s) 2 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral S&T Bancorp 0 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Metric	Community Financial System	FIN Industry	Finance Sector	NYSE Exchange
Market Cap	$3.39B	$7.17B	$13.95B	$23.13B
Dividend Yield	2.91%	5.04%	5.73%	4.05%
P/E Ratio	16.15	17.81	20.28	31.08
Price / Sales	3.46	11.10	141.09	21.49
Price / Cash	13.15	53.92	19.48	24.30
Price / Book	1.75	3.38	2.24	4.67
Net Income	$210.46M	$305.88M	$1.14B	$1.07B
7 Day Performance	6.76%	-2.63%	0.14%	-0.34%
1 Month Performance	4.88%	-1.81%	1.11%	0.36%
1 Year Performance	19.09%	9.60%	15.70%	23.86%

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CBU Community Financial System	4.0958 of 5 stars	$66.54 +3.0%	$69.75 +4.8%	+18.3%	$3.39B	$1.01B	16.15	3,001	News Coverage
ABCB Ameris Bancorp	3.7189 of 5 stars	$87.33 -0.3%	$90.17 +3.2%	+40.8%	$5.88B	$1.20B	16.76	2,850	Dividend Announcement Analyst Upgrade
BUSE First Busey	4.1378 of 5 stars	$28.52 +1.0%	$27.50 -3.6%	+26.0%	$2.39B	$1.04B	12.68	1,948
FFBC First Financial Bancorp.	3.2601 of 5 stars	$31.94 +1.0%	$33.00 +3.3%	+35.7%	$3.32B	$1.26B	11.29	2,199	Analyst Upgrade
FRME First Merchants	3.9544 of 5 stars	$41.19 +1.2%	$48.33 +17.3%	+14.2%	$2.57B	$1.05B	12.11	2,086	News Coverage

Community Financial System (CBU) Competitors

CBU vs. ABCB, BUSE, FFBC, FRME, and STBA

How does Community Financial System compare to Ameris Bancorp?

Summary

How does Community Financial System compare to First Busey?

Summary

How does Community Financial System compare to First Financial Bancorp.?

Summary

How does Community Financial System compare to First Merchants?

Summary

How does Community Financial System compare to S&T Bancorp?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CBU vs. The Competition

Community Financial System Competitors List

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Community Financial System (CBU) Competitors

CBU vs. ABCB, BUSE, FFBC, FRME, and STBA

How does Community Financial System compare to Ameris Bancorp?

Is ABCB or CBU more profitable?

Which has stronger valuation and earnings, ABCB or CBU?

Do analysts recommend ABCB or CBU?

Do insiders & institutionals believe in ABCB or CBU?

Is ABCB or CBU a better dividend stock?

Does the media prefer ABCB or CBU?

Which has more risk & volatility, ABCB or CBU?

Summary

How does Community Financial System compare to First Busey?

Is BUSE or CBU more profitable?

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

Is BUSE or CBU a better dividend stock?

Which has stronger valuation & earnings, BUSE or CBU?

Which has more risk and volatility, BUSE or CBU?

Does the media refer more to BUSE or CBU?

Do analysts recommend BUSE or CBU?

Summary

How does Community Financial System compare to First Financial Bancorp.?

Does the media refer more to CBU or FFBC?

Is CBU or FFBC more profitable?

Which has more volatility & risk, CBU or FFBC?

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

Which has higher valuation & earnings, CBU or FFBC?

Is CBU or FFBC a better dividend stock?

Do analysts recommend CBU or FFBC?

Summary

How does Community Financial System compare to First Merchants?

Do institutionals and insiders believe in CBU or FRME?

Which has more risk & volatility, CBU or FRME?

Do analysts rate CBU or FRME?

Is CBU or FRME more profitable?

Does the media favor CBU or FRME?

Is CBU or FRME a better dividend stock?

Which has better earnings and valuation, CBU or FRME?

Summary

How does Community Financial System compare to S&T Bancorp?

Do analysts rate CBU or STBA?

Is CBU or STBA a better dividend stock?

Do insiders & institutionals believe in CBU or STBA?

Does the media favor CBU or STBA?

Is CBU or STBA more profitable?

Which has preferable earnings & valuation, CBU or STBA?

Which has more volatility and risk, CBU or STBA?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CBU vs. The Competition

Community Financial System Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools