Community Financial System vs Zions Bancorporation, National Association
CBU and ZION 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 ZION compare
Zions Bancorporation, National Association is the larger company, worth 2.9 times as much as Community Financial System ($9.5B against $3.3B).
On earnings, Zions Bancorporation, National Association is cheaper: it trades at 8.3× trailing earnings, against 14.5× for Community Financial System.
Community Financial System grew revenue faster over the last twelve months (9.4% versus 5.8% for Zions Bancorporation, National Association).
Zions Bancorporation, National Association keeps more of each dollar of sales as profit, with a net margin of 169% compared with 26.6% at Community Financial System.
Both pay dividends: Community Financial System yields 3.0% and Zions Bancorporation, National Association 2.8%.
Zions Bancorporation, National Association scores higher on the StockData Score (20 against 13 for Community Financial System), 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 | ZION |
|---|---|---|
| Size and price | ||
| Market cap | $3.3B | $9.5B |
| Share price | $62.37 | $65.37 |
| Change, 1 year | 11.4% | 26.9% |
| Change, 5 years | −16.6% | 0.86% |
| Beta (5Y) | 0.72 | 1.22 |
| Employees | 3,001 | 9,195 |
| StockData Score | ||
| Total score | 13 | 20 (better) |
| Valuation score | 1 | 4 (better) |
| Growth score | 1 | 1 |
| Performance score | 4 | 5 (better) |
| Health score | 3 | 6 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 14.5× | 8.3× (better) |
| P/S | 3.8× (better) | 13.7× |
| P/B | 1.6× | 1.2× (better) |
| P/FCF | 13.3× | 5.7× (better) |
| PEG | 3.09 (better) | 6.66 |
| FCF yield | 7.5% | 17.6% (better) |
| Fair value | $61.31 | $75.75 |
| Margin of safety | −1.7% | 13.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.4% (better) | 5.8% |
| Revenue growth, 5Y average | 6.5% (better) | 3.8% |
| Net income growth (TTM) | 17.2% | 38.7% (better) |
| EPS growth (TTM) | 17.4% | 43.5% (better) |
| EPS growth, 5Y average | 5.2% | 14.8% (better) |
| Profitability | ||
| Net margin | 26.6% | 169% (better) |
| FCF margin | 28.7% | 242% (better) |
| Return on equity | 11.5% | 16.4% (better) |
| Financial health | ||
| Debt / equity | – | 0.25 |
| Altman Z-score | 0.29 (better) | 0.20 |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.0% (better) | 2.8% |
| Payout ratio | 43.2% | 23.2% |
| Years of dividend growth | 16 (better) | 7 |
| Dividend growth, 5Y average | 2.3% | 5.3% (better) |
| Buyback yield | 0.47% | 1.4% (better) |
| Shareholder yield | 3.5% | 4.2% (better) |
| Ownership | ||
| Held by institutions | 77.9% | 83.6% |
| Held by insiders | 0.83% | 1.5% |
| Insider net buying, 12 months | −$1.7M (better) | −$9.8M |
| Short interest, % of float | 3.9% | – |
Go deeper
- CBU stock overview
- CBU income statement
- CBU valuation and score
- ZION stock overview
- ZION income statement
- ZION valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.