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Community Financial System, Inc. (CBU) vs Inter & Co. Inc. (INTR)

Community Financial System, Inc. and Inter & Co. Inc. are both Banks Regional companies. Community Financial System, Inc. and Inter & Co. Inc. are of similar size ($3.1B and $3.0B). Inter & Co. Inc. trades at the lower P/E: 10.2× against 14.0×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 7.08%. Community Financial System, Inc. has the higher net margin (21.7% vs 9.22%) and the higher return on invested capital (7.88% vs 0.00%). Both pay a dividend; Community Financial System, Inc. yields more (3.15% vs 1.68%). Across the 17 metrics below, Inter & Co. Inc. leads on 10 and Community Financial System, Inc. on 7.

Valuation

Metric CBU INTR Banks Regional median
P/E 14.00 10.21 11.98
P/S 3.03 0.95 2.34
P/B 1.53 1.41 1.19
Price to free cash flow 12.78 12.92 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.14% 9.79% 8.23%
Free cash flow yield 7.83% 7.74% 9.08%

Profitability

Metric CBU INTR Banks Regional median
Gross margin 82.07% 58.20% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.72% 9.22% 18.66%
Free cash flow margin 23.76% 7.36% 21.11%
Return on equity 11.49% 15.36% 10.65%
Return on assets 1.32% 1.64% 1.13%
Return on invested capital 7.88% 0.00% 8.35%

Growth

Metric CBU INTR Banks Regional median
Revenue growth (TTM) 7.08% 52.59% 6.98%
EPS growth (last fiscal year) 15.41% 39.47% 18.88%
Revenue growth, 5-year CAGR 10.35% — 12.38%
Net income growth, 5-year CAGR 5.01% — 9.71%

Health

Metric CBU INTR Banks Regional median
Debt to equity 0.29 0.08 0.22
Current ratio 0.77 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBU INTR Banks Regional median
Dividend yield 3.15% 1.68% 2.57%
Payout ratio 0.44 0.17 0.30

Size

Metric CBU INTR Banks Regional median
Market cap 3.14b 2.97b 913.33m

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