Community Financial System vs Simmons First National
CBU and SFNC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CBU and SFNC compare
Community Financial System and Simmons First National are about the same size, with market caps of $3.4B and $3.4B.
On earnings, Simmons First National is cheaper: it trades at 13.1× trailing earnings, against 14.6× for Community Financial System.
Community Financial System keeps more of each dollar of sales as profit, with a net margin of 26.6% compared with 26.3% at Simmons First National.
Both pay dividends: Community Financial System yields 2.9% and Simmons First National 3.7%.
Community Financial System scores higher on the StockData Score (13 against 12 for Simmons First National), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CBU | SFNC |
|---|---|---|
| Size and price | ||
| Market cap | $3.4B | $3.4B |
| Share price | $64.75 | $23.46 |
| Change, 1 year | 13.4% | 29.5% |
| Change, 5 years | −13.5% | −21.4% |
| Beta (5Y) | 0.71 | 0.78 |
| Employees | 3,001 | 2,917 |
| StockData Score | ||
| Total score | 13 (better) | 12 |
| Valuation score | 1 | 2 (better) |
| Growth score | 1 (better) | 0 |
| Performance score | 4 (better) | 2 |
| Health score | 3 | 4 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 14.6× | 13.1× (better) |
| P/S | 3.9× | 3.4× (better) |
| P/B | 1.7× | 1.0× (better) |
| P/FCF | 12.6× | 10.5× (better) |
| PEG | 3.12 | – |
| FCF yield | 7.9% | 9.6% (better) |
| Fair value | $61.37 | $22.94 |
| Margin of safety | −5.5% | −2.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.5% | – |
| Revenue growth, 5Y average | 6.5% (better) | −34.8% |
| Net income growth (TTM) | 13.8% | – |
| EPS growth (TTM) | 14.2% | – |
| EPS growth, 5Y average | 5.2% | – |
| Profitability | ||
| Net margin | 26.6% (better) | 26.3% |
| FCF margin | 30.7% | 32.7% (better) |
| Return on equity | 11.8% (better) | 7.8% |
| Financial health | ||
| Debt / equity | – | 0.09 |
| Altman Z-score | 0.30 (better) | 0.19 |
| Piotroski F-score | 7 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | 2.9% | 3.7% (better) |
| Payout ratio | 42.1% | 47.7% |
| Years of dividend growth | 16 (better) | 12 |
| Dividend growth, 5Y average | 2.3% | 4.6% (better) |
| Buyback yield | 0.57% | – |
| Shareholder yield | 3.5% | 3.7% (better) |
| Ownership | ||
| Held by institutions | 77.9% | 81.8% |
| Held by insiders | 0.83% | 1.5% |
| Insider net buying, 12 months | −$1.7M | $0 (better) |
| Short interest, % of float | 3.6% | 5.8% |
Go deeper
- CBU stock overview
- CBU income statement
- CBU valuation and score
- SFNC stock overview
- SFNC income statement
- SFNC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.