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Community Financial System, Inc. (CBU) vs Mechanics Bancorp (MCHB)

Community Financial System, Inc. and Mechanics Bancorp are both Banks Regional companies. Community Financial System, Inc. and Mechanics Bancorp are of similar size ($3.3B and $3.1B). Mechanics Bancorp trades at the lower P/E: 11.6× against 14.0×. Mechanics Bancorp grew revenue faster over the last twelve months: 55.0% against 7.08%. Mechanics Bancorp has the higher net margin (24.0% vs 21.7%) and the higher return on invested capital (11.0% vs 7.88%). Across the 18 metrics below, Mechanics Bancorp leads on 14 and Community Financial System, Inc. on 4.

Valuation

Metric CBU MCHB Banks Regional median
P/E 14.00 11.62 11.98
P/S 3.03 2.71 2.34
P/B 1.53 1.14 1.19
Price to free cash flow 12.78 18.97 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.14% 8.61% 8.23%
Free cash flow yield 7.83% 5.27% 9.08%

Profitability

Metric CBU MCHB Banks Regional median
Gross margin 82.07% 78.13% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.72% 23.98% 18.66%
Free cash flow margin 23.76% 16.01% 21.11%
Return on equity 11.49% 17.61% 10.65%
Return on assets 1.32% 1.94% 1.13%
Return on invested capital 7.88% 10.95% 8.35%

Growth

Metric CBU MCHB Banks Regional median
Revenue growth (TTM) 7.08% 55.04% 6.98%
EPS growth (last fiscal year) 15.41% 750.17% 18.88%
Revenue growth, 5-year CAGR 10.35% 20.85% 12.38%
Net income growth, 5-year CAGR 5.01% 27.14% 9.71%

Health

Metric CBU MCHB Banks Regional median
Debt to equity 0.29 0.05 0.22
Current ratio 0.77 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBU MCHB Banks Regional median
Dividend yield 3.15% — 2.57%
Payout ratio 0.44 — 0.30

Size

Metric CBU MCHB Banks Regional median
Market cap 3.14b 3.32b 913.33m

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