Community Financial System, Inc. (CBU) vs Simmons First National Corporation (SFNC)

Community Financial System, Inc. and Simmons First National Corporation are both Banks Regional companies. Community Financial System, Inc. and Simmons First National Corporation are of similar size ($3.4B and $3.2B). Simmons First National Corporation has negative trailing earnings, so its P/E is not meaningful; Community Financial System, Inc. trades at 14.3×. Community Financial System, Inc. grew revenue faster over the last twelve months: 7.08% against −56.9%. Community Financial System, Inc. has the higher net margin (21.7% vs −56.5%) and the higher return on invested capital (7.88% vs −6.96%). Both pay a dividend; Simmons First National Corporation yields more (4.69% vs 4.12%). Across the 19 metrics below, Community Financial System, Inc. leads on 13 and Simmons First National Corporation on 6.

Valuation

Metric CBU SFNC Banks Regional median
P/E 14.29 n/m 12.15
P/S 3.10 5.44 2.37
P/B 1.56 0.97 1.21
Price to free cash flow 13.03 6.82 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.39 6.50 2.27
Earnings yield 7.00% (10.93%) 8.11%
Free cash flow yield 7.67% 14.65% 8.98%

Profitability

Metric CBU SFNC Banks Regional median
Gross margin 82.07% 27.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.72% (56.54%) 18.66%
Free cash flow margin 23.76% 79.79% 21.18%
Return on equity 11.49% (9.94%) 10.64%
Return on assets 1.32% (1.36%) 1.13%
Return on invested capital 7.88% (6.96%) 8.33%

Growth

Metric CBU SFNC Banks Regional median
Revenue growth (TTM) 7.08% (56.85%) 6.61%
EPS growth (last fiscal year) 15.41% (343.80%) —
Revenue growth, 5-year CAGR 10.35% (8.88%) 12.30%
Net income growth, 5-year CAGR 5.01% 0.00% 9.71%

Health

Metric CBU SFNC Banks Regional median
Debt to equity 0.29 0.36 0.22
Current ratio 0.77 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBU SFNC Banks Regional median
Dividend yield 4.12% 4.69% 3.75%
Payout ratio 0.62 0.37 0.27

Size

Metric CBU SFNC Banks Regional median
Market cap 3.20b 3.38b 921.07m

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