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Community Financial System, Inc. (CBU) vs Columbia Financial (CLBK)

Community Financial System, Inc. and Columbia Financial are both Banks Regional companies. Community Financial System, Inc. and Columbia Financial are of similar size ($3.1B and $2.9B). Community Financial System, Inc. trades at the lower P/E: 14.0× against 31.5×. Columbia Financial grew revenue faster over the last twelve months: 12.4% against 7.08%. Community Financial System, Inc. has the higher net margin (21.7% vs 11.2%) and the higher return on invested capital (7.88% vs 3.82%). Both pay a dividend; Community Financial System, Inc. yields more (3.15% vs 0.47%). Across the 19 metrics below, Community Financial System, Inc. leads on 14 and Columbia Financial on 5.

Valuation

Metric CBU CLBK Banks Regional median
P/E 14.00 31.53 11.98
P/S 3.03 2.08 2.34
P/B 1.53 0.90 1.19
Price to free cash flow 12.78 15.74 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.14% 3.17% 8.23%
Free cash flow yield 7.83% 6.35% 9.08%

Profitability

Metric CBU CLBK Banks Regional median
Gross margin 82.07% 53.31% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.72% 11.19% 18.66%
Free cash flow margin 23.76% 13.23% 21.11%
Return on equity 11.49% 5.02% 10.65%
Return on assets 1.32% 0.51% 1.13%
Return on invested capital 7.88% 3.82% 8.35%

Growth

Metric CBU CLBK Banks Regional median
Revenue growth (TTM) 7.08% 12.41% 6.98%
EPS growth (last fiscal year) 15.41% 563.60% 18.88%
Revenue growth, 5-year CAGR 10.35% 9.21% 12.38%
Net income growth, 5-year CAGR 5.01% (2.11%) 9.71%

Health

Metric CBU CLBK Banks Regional median
Debt to equity 0.29 1.02 0.22
Current ratio 0.77 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBU CLBK Banks Regional median
Dividend yield 3.15% 0.47% 2.57%
Payout ratio 0.44 0.15 0.30

Size

Metric CBU CLBK Banks Regional median
Market cap 3.14b 2.92b 913.33m

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