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Community Financial System, Inc. (CBU) vs Renasant Corporation (RNST)

Community Financial System, Inc. and Renasant Corporation are both Banks Regional companies. Community Financial System, Inc. and Renasant Corporation are of similar size ($3.6B and $3.4B). Renasant Corporation trades at the lower P/E: 11.0× against 14.7×. Renasant Corporation grew revenue faster over the last twelve months: 20.6% against 6.94%. Community Financial System, Inc. has the higher net margin (22.0% vs 21.2%) and the higher return on invested capital (9.50% vs 6.91%). Both pay a dividend; Community Financial System, Inc. yields more (2.93% vs 2.37%). Across the 18 metrics below, Renasant Corporation leads on 12 and Community Financial System, Inc. on 6.

Valuation

Metric CBU RNST Banks Regional median
P/E 14.66 11.04 12.02
P/S 3.23 2.29 2.36
P/B 1.66 0.94 1.23
Price to free cash flow 13.81 8.23 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.82% 9.06% 8.21%
Free cash flow yield 7.24% 12.16% 9.23%

Profitability

Metric CBU RNST Banks Regional median
Gross margin 82.75% 69.81% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.00% 21.16% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.00% 8.70% 10.28%
Return on assets 1.35% 1.23% 1.13%
Return on invested capital 9.50% 6.91% 8.45%

Growth

Metric CBU RNST Banks Regional median
Revenue growth (TTM) 6.94% 20.61% 6.37%
EPS growth (last fiscal year) 15.41% (36.70%) 18.85%
Revenue growth, 5-year CAGR 10.35% 14.50% 12.65%
Net income growth, 5-year CAGR 5.01% 16.73% 9.81%

Health

Metric CBU RNST Banks Regional median
Debt to equity 0.21 0.20 0.17
Current ratio 0.77 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBU RNST Banks Regional median
Dividend yield 2.93% 2.37% 2.49%
Payout ratio 0.43 0.26 0.29

Size

Metric CBU RNST Banks Regional median
Market cap 3.39b 3.58b 934.85m

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