Question 1

Do analysts prefer BUSE or CBU?

Accepted Answer

First Busey presently has a consensus target price of $27.50, indicating a potential upside of 2.44%. Community Financial System has a consensus target price of $69.75, indicating a potential upside of 13.36%. Given Community Financial System's higher probable upside, analysts plainly 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 2

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 3.9%. Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 3.1%. 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 raised its dividend for 10 consecutive years and Community Financial System has raised its dividend for 33 consecutive years.

Question 3

Which has better valuation and 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 2.18 $135.26M $2.25 11.93 Community Financial System $1.01B 3.20 $210.46M $4.12 14.93

Question 4

Do institutionals and insiders believe in BUSE or CBU?

Accepted Answer

56.5% of First Busey shares are owned by institutional investors. Comparatively, 73.8% of Community Financial System shares are owned by institutional investors. 3.8% of First Busey shares are owned by company insiders. Comparatively, 1.2% of Community Financial System shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Question 5

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 6

Which has more risk & volatility, BUSE or CBU?

Accepted Answer

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

Question 7

Does the media prefer BUSE or CBU?

Accepted Answer

In the previous week, First Busey had 2 more articles in the media than Community Financial System. MarketBeat recorded 4 mentions for First Busey and 2 mentions for Community Financial System. Community Financial System's average media sentiment score of 1.09 beat First Busey's score of 0.92 indicating that Community Financial System is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment First Busey 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Community Financial System 2 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 8

Do analysts recommend CBU or FFBC?

Accepted Answer

Community Financial System presently has a consensus price target of $69.75, indicating a potential upside of 13.36%. First Financial Bancorp. has a consensus price target of $33.00, indicating a potential upside of 10.85%. 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 9

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 3.1%. First Financial Bancorp. pays an annual dividend of $1.00 per share and has a dividend yield of 3.4%. 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 raised its dividend for 33 consecutive years and First Financial Bancorp. has raised its dividend for 1 consecutive years. First Financial Bancorp. is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 10

Which has preferable valuation and 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 3.20 $210.46M $4.12 14.93 First Financial Bancorp. $1.26B 2.48 $255.60M $2.83 10.52

Question 11

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

Accepted Answer

73.8% of Community Financial System shares are held by institutional investors. Comparatively, 77.2% of First Financial Bancorp. shares are held by institutional investors. 1.2% of Community Financial System shares are held by insiders. Comparatively, 1.1% of First Financial Bancorp. shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Question 12

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 13

Which has more volatility and 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 14

Does the media prefer CBU or FFBC?

Accepted Answer

In the previous week, First Financial Bancorp. had 5 more articles in the media than Community Financial System. MarketBeat recorded 7 mentions for First Financial Bancorp. and 2 mentions for Community Financial System. Community Financial System's average media sentiment score of 1.09 beat First Financial Bancorp.'s score of 0.86 indicating that Community Financial System is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Community Financial System 2 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive First Financial Bancorp. 2 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 15

Do analysts prefer FRME or CBU?

Accepted Answer

First Merchants currently has a consensus target price of $48.33, indicating a potential upside of 24.25%. Community Financial System has a consensus target price of $69.75, indicating a potential upside of 13.36%. Given First Merchants' higher probable upside, equities research analysts clearly believe First Merchants is more favorable than Community Financial System. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score First Merchants 0 Sell rating(s) 4 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.33 Community Financial System 0 Sell rating(s) 4 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.50

Question 16

Is FRME or CBU a better dividend stock?

Accepted Answer

First Merchants pays an annual dividend of $1.44 per share and has a dividend yield of 3.7%. Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 3.1%. First Merchants pays out 42.4% 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 Merchants has raised its dividend for 13 consecutive years and Community Financial System has raised its dividend for 33 consecutive years. First Merchants is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 17

Which has stronger earnings & valuation, FRME or CBU?

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 First Merchants $1.05B 2.33 $226M $3.40 11.44 Community Financial System $1.01B 3.20 $210.46M $4.12 14.93

Question 18

Do institutionals and insiders believe in FRME or CBU?

Accepted Answer

73.9% of First Merchants shares are owned by institutional investors. Comparatively, 73.8% of Community Financial System shares are owned by institutional investors. 1.8% of First Merchants shares are owned by insiders. Comparatively, 1.2% of Community Financial System shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Question 19

Is FRME or CBU 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 First Merchants 18.87% 9.58% 1.21% Community Financial System 21.26% 11.24% 1.28%

Question 20

Which has more risk and volatility, FRME or CBU?

Accepted Answer

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

Question 21

Does the media refer more to FRME or CBU?

Accepted Answer

In the previous week, Community Financial System had 1 more articles in the media than First Merchants. MarketBeat recorded 2 mentions for Community Financial System and 1 mentions for First Merchants. First Merchants' average media sentiment score of 1.87 beat Community Financial System's score of 1.09 indicating that First Merchants is being referred to more favorably in the media. Company Overall Sentiment First Merchants Very Positive Community Financial System Positive

Question 22

Do analysts prefer NBTB or CBU?

Accepted Answer

NBT Bancorp currently has a consensus price target of $49.50, suggesting a potential upside of 10.52%. Community Financial System has a consensus price target of $69.75, suggesting a potential upside of 13.36%. Given Community Financial System's higher possible upside, analysts plainly believe Community Financial System is more favorable than NBT Bancorp. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score NBT Bancorp 0 Sell rating(s) 3 Hold rating(s) 2 Buy rating(s) 1 Strong Buy rating(s) 2.67 Community Financial System 0 Sell rating(s) 4 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.50

Question 23

Is NBTB or CBU a better dividend stock?

Accepted Answer

NBT Bancorp pays an annual dividend of $1.48 per share and has a dividend yield of 3.3%. Community Financial System pays an annual dividend of $1.88 per share and has a dividend yield of 3.1%. NBT Bancorp pays out 42.2% 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. NBT Bancorp has raised its dividend for 12 consecutive years and Community Financial System has raised its dividend for 33 consecutive years. NBT Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 24

Which has stronger earnings & valuation, NBTB or CBU?

Accepted Answer

Community Financial System has higher revenue and earnings than NBT Bancorp. NBT 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 NBT Bancorp $906.48M 2.57 $169.24M $3.51 12.76 Community Financial System $1.01B 3.20 $210.46M $4.12 14.93

Question 25

Do institutionals & insiders hold more shares of NBTB or CBU?

Accepted Answer

58.5% of NBT Bancorp shares are held by institutional investors. Comparatively, 73.8% of Community Financial System shares are held by institutional investors. 3.0% of NBT Bancorp shares are held by insiders. Comparatively, 1.2% of Community Financial System shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Question 26

Is NBTB or CBU more profitable?

Accepted Answer

Community Financial System has a net margin of 21.26% compared to NBT Bancorp's net margin of 19.59%. Community Financial System's return on equity of 11.24% beat NBT Bancorp's return on equity. Company Net Margins Return on Equity Return on Assets NBT Bancorp 19.59% 11.06% 1.28% Community Financial System 21.26% 11.24% 1.28%

Question 27

Which has more risk & volatility, NBTB or CBU?

Accepted Answer

NBT Bancorp has a beta of 0.49, suggesting that its stock price is 51% 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 28

Does the media prefer NBTB or CBU?

Accepted Answer

In the previous week, NBT Bancorp had 3 more articles in the media than Community Financial System. MarketBeat recorded 5 mentions for NBT Bancorp and 2 mentions for Community Financial System. Community Financial System's average media sentiment score of 1.09 beat NBT Bancorp's score of 1.03 indicating that Community Financial System is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment NBT Bancorp 1 Very Positive mention(s) 2 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Community Financial System 2 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 29

Do analysts recommend CBU or STBA?

Accepted Answer

Community Financial System currently has a consensus price target of $69.75, indicating a potential upside of 13.36%. S&T Bancorp has a consensus price target of $44.40, indicating a potential upside of 0.75%. Given Community Financial System's stronger consensus rating and higher probable upside, equities analysts plainly 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 3.1%. S&T Bancorp pays an annual dividend of $1.48 per share and has a dividend yield of 3.4%. 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 3.20 $210.46M $4.12 14.93 S&T Bancorp $568.51M 2.79 $134.23M $3.57 12.34

Question 32

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

Accepted Answer

73.8% of Community Financial System shares are owned by institutional investors. Comparatively, 65.2% of S&T Bancorp shares are owned by institutional investors. 1.2% of Community Financial System shares are owned by company insiders. Comparatively, 1.2% of S&T Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

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 & risk, CBU or STBA?

Accepted Answer

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

Question 35

Does the media refer more to CBU or STBA?

Accepted Answer

In the previous week, Community Financial System and Community Financial System both had 2 articles in the media. Community Financial System's average media sentiment score of 1.09 beat S&T Bancorp's score of 0.94 indicating that Community Financial System is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Community Financial System 2 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive S&T Bancorp 0 Very Positive mention(s) 0 Positive mention(s) 1 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	$3.32B	$7.07B	$13.57B	$23.28B
Dividend Yield	2.98%	5.83%	5.76%	4.06%
P/E Ratio	14.93	17.57	19.70	31.00
Price / Sales	3.20	11.51	141.24	23.82
Price / Cash	12.87	64.51	19.87	24.93
Price / Book	1.62	3.40	2.17	4.67
Net Income	$210.46M	$306.51M	$1.13B	$1.07B
7 Day Performance	-4.38%	-0.46%	-0.74%	-1.10%
1 Month Performance	N/A	N/A	N/A	0.25%
1 Year Performance	10.21%	13.20%	11.15%	25.20%

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CBU Community Financial System	4.3436 of 5 stars	$61.53 -2.6%	$69.75 +13.4%	+9.1%	$3.32B	$1.01B	14.93	3,001	Positive News
BUSE First Busey	4.2305 of 5 stars	$27.11 -0.9%	$27.50 +1.4%	+18.3%	$2.31B	$1.04B	12.05	1,948
FFBC First Financial Bancorp.	3.6852 of 5 stars	$30.02 -2.4%	$33.00 +9.9%	+24.7%	$3.23B	$1.26B	10.61	2,199	Ex-Dividend
FRME First Merchants	4.7247 of 5 stars	$39.53 -1.9%	$48.33 +22.3%	+3.0%	$2.54B	$1.05B	11.63	2,086	Positive News
NBTB NBT Bancorp	4.1866 of 5 stars	$45.51 -1.6%	$49.50 +8.8%	+7.7%	$2.40B	$724.25M	12.97	2,303	Positive News

Community Financial System (CBU) Competitors

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

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 NBT Bancorp?

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. BUSE, FFBC, FRME, NBTB, and STBA

How does Community Financial System compare to First Busey?

Is BUSE or CBU more profitable?

Do analysts prefer BUSE or CBU?

Is BUSE or CBU a better dividend stock?

Do institutionals and insiders believe in BUSE or CBU?

Which has more risk & volatility, BUSE or CBU?

Does the media prefer BUSE or CBU?

Which has better valuation and earnings, BUSE or CBU?

Summary

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

Does the media prefer CBU or FFBC?

Do analysts recommend CBU or FFBC?

Which has more volatility and risk, CBU or FFBC?

Is CBU or FFBC a better dividend stock?

Is CBU or FFBC more profitable?

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

Which has preferable valuation and earnings, CBU or FFBC?

Summary

How does Community Financial System compare to First Merchants?

Which has stronger earnings & valuation, FRME or CBU?

Do analysts prefer FRME or CBU?

Do institutionals and insiders believe in FRME or CBU?

Does the media refer more to FRME or CBU?

Which has more risk and volatility, FRME or CBU?

Is FRME or CBU more profitable?

Is FRME or CBU a better dividend stock?

Summary

How does Community Financial System compare to NBT Bancorp?

Do institutionals & insiders hold more shares of NBTB or CBU?

Which has stronger earnings & valuation, NBTB or CBU?

Does the media prefer NBTB or CBU?

Is NBTB or CBU a better dividend stock?

Which has more risk & volatility, NBTB or CBU?

Do analysts prefer NBTB or CBU?

Is NBTB or CBU more profitable?

Summary

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

Does the media refer more to CBU or STBA?

Do analysts recommend CBU or STBA?

Which has preferable earnings & valuation, CBU or STBA?

Is CBU or STBA more profitable?

Which has more volatility & risk, CBU or STBA?

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

Is CBU or STBA a better dividend stock?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CBU vs. The Competition

Community Financial System Competitors List

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