Question 1

Do analysts rate BUSE or CBU?

Accepted Answer

First Busey presently has a consensus price target of $32.00, suggesting a potential upside of 5.54%. Community Financial System has a consensus price target of $71.50, suggesting a potential upside of 15.52%. 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 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 3.4%. Community Financial System pays an annual dividend of $1.96 per share and has a dividend yield of 3.2%. First Busey pays out 43.0% of its earnings in the form of a dividend. Community Financial System pays out 45.5% 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. First Busey has raised its dividend for 10 consecutive years and Community Financial System has raised its dividend for 33 consecutive years. First Busey is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 3

Which has better 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 2.40 $135.26M $2.42 12.53 Community Financial System $1.01B 3.22 $210.46M $4.31 14.36

Question 4

Do insiders and institutionals hold more shares of 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 insiders. Comparatively, 1.2% of Community Financial System shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Question 5

Is BUSE or CBU more profitable?

Accepted Answer

Community Financial System has a net margin of 21.79% compared to First Busey's net margin of 21.00%. Community Financial System's return on equity of 11.47% beat First Busey's return on equity. Company Net Margins Return on Equity Return on Assets First Busey 21.00% 10.48% 1.40% Community Financial System 21.79% 11.47% 1.32%

Question 6

Which has more risk and volatility, BUSE or CBU?

Accepted Answer

First Busey has a beta of 0.71, suggesting that its stock price is 29% less volatile than the broader market. Comparatively, Community Financial System has a beta of 0.77, suggesting that its stock price is 23% less volatile than the broader market.

Question 7

Does the media favor BUSE or CBU?

Accepted Answer

In the previous week, First Busey had 1 more articles in the media than Community Financial System. MarketBeat recorded 4 mentions for First Busey and 3 mentions for Community Financial System. Community Financial System's average media sentiment score of 0.72 beat First Busey's score of 0.50 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 2 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Positive Community Financial System 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 8

Do analysts rate FFBC or CBU?

Accepted Answer

First Financial Bancorp. currently has a consensus target price of $33.67, indicating a potential upside of 4.91%. Community Financial System has a consensus target price of $71.50, indicating a potential upside of 15.52%. Given Community Financial System's higher possible upside, 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 First Financial Bancorp. 0 Sell rating(s) 4 Hold rating(s) 4 Buy rating(s) 0 Strong Buy rating(s) 2.50 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 FFBC or CBU a better dividend stock?

Accepted Answer

First Financial Bancorp. pays an annual dividend of $1.04 per share and has a dividend yield of 3.2%. Community Financial System pays an annual dividend of $1.96 per share and has a dividend yield of 3.2%. First Financial Bancorp. pays out 36.7% of its earnings in the form of a dividend. Community Financial System pays out 45.5% 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. First Financial Bancorp. has increased its dividend for 1 consecutive years and Community Financial System has increased its dividend for 33 consecutive years. First Financial Bancorp. is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 10

Which has higher earnings and valuation, FFBC or CBU?

Accepted Answer

First Financial Bancorp. has higher earnings, but lower revenue 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 First Financial Bancorp. $996.38M 3.38 $255.60M $2.83 11.34 Community Financial System $1.01B 3.22 $210.46M $4.31 14.36

Question 11

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

Accepted Answer

77.2% of First Financial Bancorp. shares are owned by institutional investors. Comparatively, 73.8% of Community Financial System shares are owned by institutional investors. 1.1% of First Financial Bancorp. 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 hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Question 12

Is FFBC or CBU more profitable?

Accepted Answer

Community Financial System has a net margin of 21.79% compared to First Financial Bancorp.'s net margin of 20.77%. Community Financial System's return on equity of 11.47% beat First Financial Bancorp.'s return on equity. Company Net Margins Return on Equity Return on Assets First Financial Bancorp. 20.77% 11.13% 1.49% Community Financial System 21.79% 11.47% 1.32%

Question 13

Which has more risk & volatility, FFBC or CBU?

Accepted Answer

First Financial Bancorp. has a beta of 0.91, indicating that its share price is 9% less volatile than the broader market. Comparatively, Community Financial System has a beta of 0.77, indicating that its share price is 23% less volatile than the broader market.

Question 14

Does the media favor FFBC or CBU?

Accepted Answer

In the previous week, First Financial Bancorp. and First Financial Bancorp. both had 3 articles in the media. Community Financial System's average media sentiment score of 0.72 beat First Financial Bancorp.'s score of 0.56 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 Financial Bancorp. 0 Very Positive mention(s) 0 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Community Financial System 1 Very Positive mention(s) 0 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 $49.00, indicating a potential upside of 19.89%. Community Financial System has a consensus target price of $71.50, indicating a potential upside of 15.52%. Given First Merchants' higher possible 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) 3 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.50 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 $1.48 per share and has a dividend yield of 3.6%. Community Financial System pays an annual dividend of $1.96 per share and has a dividend yield of 3.2%. First Merchants pays out 47.4% of its earnings in the form of a dividend. Community Financial System pays out 45.5% 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. First Merchants has raised its dividend for 13 consecutive years and Community Financial System has raised its dividend for 33 consecutive years.

Question 17

Which has higher valuation and earnings, 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 2.44 $226M $3.12 13.10 Community Financial System $1.01B 3.22 $210.46M $4.31 14.36

Question 18

Do insiders and institutionals have more ownership 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 endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Question 19

Is FRME or CBU more profitable?

Accepted Answer

Community Financial System has a net margin of 21.79% compared to First Merchants' net margin of 17.05%. Community Financial System's return on equity of 11.47% beat First Merchants' return on equity. Company Net Margins Return on Equity Return on Assets First Merchants 17.05% 8.86% 1.12% Community Financial System 21.79% 11.47% 1.32%

Question 20

Which has more volatility & risk, FRME or CBU?

Accepted Answer

First Merchants has a beta of 0.84, indicating that its share price is 16% less volatile than the broader market. Comparatively, Community Financial System has a beta of 0.77, indicating that its share price is 23% less volatile than the broader market.

Question 21

Does the media refer more to FRME or CBU?

Accepted Answer

In the previous week, First Merchants and First Merchants both had 3 articles in the media. Community Financial System's average media sentiment score of 0.72 beat First Merchants' score of 0.34 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 Merchants 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Community Financial System 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 22

Do analysts prefer TRMK or CBU?

Accepted Answer

Trustmark currently has a consensus target price of $47.38, suggesting a potential upside of 1.42%. Community Financial System has a consensus target price of $71.50, suggesting a potential upside of 15.52%. Given Community Financial System's stronger consensus rating and higher probable upside, analysts plainly believe Community Financial System is more favorable than Trustmark. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Trustmark 0 Sell rating(s) 5 Hold rating(s) 1 Buy rating(s) 1 Strong Buy rating(s) 2.43 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 TRMK or CBU a better dividend stock?

Accepted Answer

Trustmark pays an annual dividend of $1.00 per share and has a dividend yield of 2.1%. Community Financial System pays an annual dividend of $1.96 per share and has a dividend yield of 3.2%. Trustmark pays out 25.4% of its earnings in the form of a dividend. Community Financial System pays out 45.5% 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. Trustmark has increased its dividend for 1 consecutive years and Community Financial System has increased 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 24

Which has better earnings & valuation, TRMK or CBU?

Accepted Answer

Trustmark has higher revenue and earnings than Community Financial System. Trustmark 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 Trustmark $1.12B 2.41 $224.13M $3.94 11.86 Community Financial System $1.01B 3.22 $210.46M $4.31 14.36

Question 25

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

Accepted Answer

67.6% of Trustmark shares are owned by institutional investors. Comparatively, 73.8% of Community Financial System shares are owned by institutional investors. 1.7% of Trustmark 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 hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Question 26

Is TRMK or CBU more profitable?

Accepted Answer

Community Financial System has a net margin of 21.79% compared to Trustmark's net margin of 20.75%. Community Financial System's return on equity of 11.47% beat Trustmark's return on equity. Company Net Margins Return on Equity Return on Assets Trustmark 20.75% 10.69% 1.20% Community Financial System 21.79% 11.47% 1.32%

Question 27

Which has more risk & volatility, TRMK or CBU?

Accepted Answer

Trustmark has a beta of 0.64, suggesting that its share price is 36% less volatile than the broader market. Comparatively, Community Financial System has a beta of 0.77, suggesting that its share price is 23% less volatile than the broader market.

Question 28

Does the media prefer TRMK or CBU?

Accepted Answer

In the previous week, Trustmark had 2 more articles in the media than Community Financial System. MarketBeat recorded 5 mentions for Trustmark and 3 mentions for Community Financial System. Community Financial System's average media sentiment score of 0.72 beat Trustmark's score of 0.56 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 Trustmark 1 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Community Financial System 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Question 29

Do analysts rate CBU or UBSI?

Accepted Answer

Community Financial System currently has a consensus price target of $71.50, suggesting a potential upside of 15.52%. United Bankshares has a consensus price target of $47.80, suggesting a potential upside of 1.46%. Given Community Financial System's stronger consensus rating and higher possible upside, equities analysts clearly believe Community Financial System is more favorable than United Bankshares. 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 United Bankshares 0 Sell rating(s) 4 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.43

Question 30

Is CBU or UBSI a better dividend stock?

Accepted Answer

Community Financial System pays an annual dividend of $1.96 per share and has a dividend yield of 3.2%. United Bankshares pays an annual dividend of $1.52 per share and has a dividend yield of 3.2%. Community Financial System pays out 45.5% of its earnings in the form of a dividend. United Bankshares pays out 41.4% 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 United Bankshares has increased its dividend for 26 consecutive years. United Bankshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Question 31

Which has preferable earnings and valuation, CBU or UBSI?

Accepted Answer

United Bankshares has higher revenue and earnings than Community Financial System. United Bankshares 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 3.22 $210.46M $4.31 14.36 United Bankshares $1.82B 3.52 $464.60M $3.67 12.84

Question 32

Do institutionals and insiders believe in CBU or UBSI?

Accepted Answer

73.8% of Community Financial System shares are held by institutional investors. Comparatively, 70.8% of United Bankshares shares are held by institutional investors. 1.2% of Community Financial System shares are held by insiders. Comparatively, 3.2% of United Bankshares 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 33

Is CBU or UBSI more profitable?

Accepted Answer

United Bankshares has a net margin of 27.97% compared to Community Financial System's net margin of 21.79%. Community Financial System's return on equity of 11.47% beat United Bankshares' return on equity. Company Net Margins Return on Equity Return on Assets Community Financial System 21.79% 11.47% 1.32% United Bankshares 27.97% 9.39% 1.53%

Question 34

Which has more volatility & risk, CBU or UBSI?

Accepted Answer

Community Financial System has a beta of 0.77, suggesting that its share price is 23% less volatile than the broader market. Comparatively, United Bankshares has a beta of 0.7, suggesting that its share price is 30% less volatile than the broader market.

Question 35

Does the media favor CBU or UBSI?

Accepted Answer

In the previous week, United Bankshares had 1 more articles in the media than Community Financial System. MarketBeat recorded 4 mentions for United Bankshares and 3 mentions for Community Financial System. United Bankshares' average media sentiment score of 0.88 beat Community Financial System's score of 0.72 indicating that United Bankshares is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Community Financial System 1 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive United Bankshares 2 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Metric	Community Financial System	Banks Industry	Finance Sector	NYSE Exchange
Market Cap	$3.28B	$23.71B	$13.86B	$23.13B
Dividend Yield	3.14%	3.06%	5.93%	3.59%
P/E Ratio	14.36	27.01	25.29	28.19
Price / Sales	3.22	9.38	503.70	20.33
Price / Cash	12.70	15.53	40.85	34.53
Price / Book	1.62	1.37	2.73	4.67
Net Income	$210.46M	$2.58B	$1.31B	$1.07B
7 Day Performance	-1.05%	-0.72%	-0.62%	-1.64%
1 Month Performance	-1.89%	0.48%	0.04%	-4.25%
1 Year Performance	2.09%	22.23%	8.84%	8.32%

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
CBU Community Financial System	4.3357 of 5 stars	$61.90 -0.7%	$71.50 +15.5%	-0.2%	$3.28B	$1.01B	14.36	3,001	Ex-Dividend High Trading Volume
BUSE First Busey	3.6894 of 5 stars	$30.53 +0.3%	$32.00 +4.8%	+20.6%	$2.51B	$789.53M	12.62	1,948
FFBC First Financial Bancorp.	2.6777 of 5 stars	$32.74 +0.7%	$33.67 +2.8%	+21.7%	$3.41B	$1.26B	11.57	2,199	Positive News
FRME First Merchants	4.4475 of 5 stars	$41.51 +1.0%	$49.00 +18.0%	-0.2%	$2.58B	$1.05B	13.30	2,086
TRMK Trustmark	2.4539 of 5 stars	$47.13 +0.3%	$46.13 -2.1%	+13.8%	$2.73B	$1.12B	11.96	2,543	Analyst Forecast

Community Financial System (CBU) Competitors

CBU vs. BUSE, FFBC, FRME, TRMK, and UBSI

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 Trustmark?

Summary

How does Community Financial System compare to United Bankshares?

Summary

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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, TRMK, and UBSI

How does Community Financial System compare to First Busey?

Do insiders and institutionals hold more shares of BUSE or CBU?

Which has more risk and volatility, BUSE or CBU?

Is BUSE or CBU a better dividend stock?

Is BUSE or CBU more profitable?

Do analysts rate BUSE or CBU?

Does the media favor BUSE or CBU?

Which has better valuation & earnings, BUSE or CBU?

Summary

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

Is FFBC or CBU more profitable?

Which has more risk & volatility, FFBC or CBU?

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

Do analysts rate FFBC or CBU?

Which has higher earnings and valuation, FFBC or CBU?

Is FFBC or CBU a better dividend stock?

Does the media favor FFBC or CBU?

Summary

How does Community Financial System compare to First Merchants?

Is FRME or CBU more profitable?

Do analysts prefer FRME or CBU?

Which has higher valuation and earnings, FRME or CBU?

Do insiders and institutionals have more ownership in FRME or CBU?

Is FRME or CBU a better dividend stock?

Which has more volatility & risk, FRME or CBU?

Does the media refer more to FRME or CBU?

Summary

How does Community Financial System compare to Trustmark?

Which has better earnings & valuation, TRMK or CBU?

Is TRMK or CBU a better dividend stock?

Does the media prefer TRMK or CBU?

Which has more risk & volatility, TRMK or CBU?

Is TRMK or CBU more profitable?

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

Do analysts prefer TRMK or CBU?

Summary

How does Community Financial System compare to United Bankshares?

Which has more volatility & risk, CBU or UBSI?

Do analysts rate CBU or UBSI?

Does the media favor CBU or UBSI?

Which has preferable earnings and valuation, CBU or UBSI?

Is CBU or UBSI a better dividend stock?

Do institutionals and insiders believe in CBU or UBSI?

Is CBU or UBSI more profitable?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

CBU vs. The Competition

Community Financial System Competitors List

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Stock Ideas and Recommendations

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