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Community Financial System, Inc. (CBU) vs First Financial Bancorp. (FFBC)

Community Financial System, Inc. and First Financial Bancorp. are both Banks Regional companies. Community Financial System, Inc. and First Financial Bancorp. are of similar size ($3.3B and $3.1B). First Financial Bancorp. trades at the lower P/E: 11.0× against 14.0×. First Financial Bancorp. grew revenue faster over the last twelve months: 11.7% against 7.08%. Community Financial System, Inc. has the higher net margin (21.7% vs 20.8%) and the higher return on invested capital (7.88% vs 7.09%). Both pay a dividend; First Financial Bancorp. yields more (3.21% vs 3.15%). Across the 19 metrics below, First Financial Bancorp. leads on 13 and Community Financial System, Inc. on 6.

Valuation

Metric CBU FFBC Banks Regional median
P/E 14.00 10.97 11.98
P/S 3.03 2.38 2.34
P/B 1.53 1.10 1.19
Price to free cash flow 12.78 4.47 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.14% 9.12% 8.23%
Free cash flow yield 7.83% 22.37% 9.08%

Profitability

Metric CBU FFBC Banks Regional median
Gross margin 82.07% 73.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.72% 20.77% 18.66%
Free cash flow margin 23.76% 53.30% 21.11%
Return on equity 11.49% 10.29% 10.65%
Return on assets 1.32% 1.39% 1.13%
Return on invested capital 7.88% 7.09% 8.35%

Growth

Metric CBU FFBC Banks Regional median
Revenue growth (TTM) 7.08% 11.65% 6.98%
EPS growth (last fiscal year) 15.41% 10.83% 18.88%
Revenue growth, 5-year CAGR 10.35% 12.02% 12.38%
Net income growth, 5-year CAGR 5.01% 10.41% 9.71%

Health

Metric CBU FFBC Banks Regional median
Debt to equity 0.29 0.32 0.22
Current ratio 0.77 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBU FFBC Banks Regional median
Dividend yield 3.15% 3.21% 2.57%
Payout ratio 0.44 0.36 0.30

Size

Metric CBU FFBC Banks Regional median
Market cap 3.14b 3.30b 913.33m

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