BancFirst vs Community Financial System
BANF and CBU side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BANF and CBU compare
BancFirst is the larger company, worth 1.2 times as much as Community Financial System ($4.0B against $3.4B).
On earnings, Community Financial System is cheaper: it trades at 14.6× trailing earnings, against 15.8× for BancFirst.
Community Financial System grew revenue faster over the last twelve months (9.5% versus 9.3% for BancFirst).
BancFirst keeps more of each dollar of sales as profit, with a net margin of 34.9% compared with 26.6% at Community Financial System.
Both pay dividends: BancFirst yields 1.7% and Community Financial System 2.9%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BANF | CBU |
|---|---|---|
| Size and price | ||
| Market cap | $4.0B | $3.4B |
| Share price | $118.75 | $64.75 |
| Change, 1 year | 5.8% | 13.4% |
| Change, 5 years | 79.1% | −13.5% |
| Beta (5Y) | 0.64 | 0.71 |
| Employees | 2,260 | 3,001 |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 1 | 1 |
| Growth score | 0 | 1 (better) |
| Performance score | 5 (better) | 4 |
| Health score | 4 (better) | 3 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 15.8× | 14.6× (better) |
| P/S | 5.4× | 3.9× (better) |
| P/B | 2.0× | 1.7× (better) |
| P/FCF | 15.9× | 12.6× (better) |
| PEG | 2.19 (better) | 3.12 |
| FCF yield | 6.3% | 7.9% (better) |
| Fair value | $104.82 | $61.37 |
| Margin of safety | −13.3% | −5.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.3% | 9.5% (better) |
| Revenue growth, 5Y average | 9.2% (better) | 6.5% |
| Net income growth (TTM) | 7.9% | 13.8% (better) |
| EPS growth (TTM) | 7.1% | 14.2% (better) |
| EPS growth, 5Y average | 18.8% (better) | 5.2% |
| Profitability | ||
| Net margin | 34.9% (better) | 26.6% |
| FCF margin | 34.2% (better) | 30.7% |
| Return on equity | 13.6% (better) | 11.8% |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Altman Z-score | 0.40 (better) | 0.30 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.7% | 2.9% (better) |
| Payout ratio | 25.6% | 42.1% |
| Years of dividend growth | 3 | 16 (better) |
| Dividend growth, 5Y average | – | 2.3% |
| Buyback yield | – | 0.57% |
| Shareholder yield | 1.7% | 3.5% (better) |
| Ownership | ||
| Held by institutions | 51.0% | 77.9% |
| Held by insiders | 25.3% | 0.83% |
| Insider net buying, 12 months | −$26.4M | −$1.7M (better) |
| Short interest, % of float | – | 3.6% |
Go deeper
- BANF stock overview
- BANF income statement
- BANF valuation and score
- CBU stock overview
- CBU income statement
- CBU valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.