How comparing works here
How do I compare two companies?
Type the tickers into the box above — up to five at once. Every row is read from the companies' own annual filings, so a comparison shows the same measure computed the same way for each of them rather than whatever each company chose to highlight.
Can I compare an ETF with a stock?
Yes, and the table changes to suit. Two funds are compared on cost, income, spread and record, because revenue growth and debt mean nothing for a fund. A fund against a company shows only what both of them have.
Side by side
Compare
Put up to 4 companies, funds, commodities or coins next to each other — health, valuation, growth and performance.
Every row is computed the same way for every column, from each company's own annual filing, so a comparison is not a collection of whichever figures each of them chose to put in a press release. Funds are compared on what a fund is actually judged on: cost, income, spread and record.
Relative performance
Rebased so every symbol starts at 0%
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Side by side
Latest annual figures from each company's filings
| Metric | CBUCOMMUNITY FINANCIAL SYSTEM, INC. | FIBKFIRST INTERSTATE BANCSYSTEM INC | FFBCFIRST FINANCIAL BANCORP /OH/ | TOWNTowneBank | Median of the restexcluding CBU |
|---|---|---|---|---|---|
| Type | Company | Company | Company | Company | |
| Price | $62.12▼ 0.25 (0.40%) | $36.51▼ 0.37 (1.00%) | $32.57▲ 0.10 (0.31%) | $36.50▼ 0.24 (0.65%) | |
| Health scoreComposite of profitability, growth, debt and accounting quality. | 7.3/10 | 8.0/10 | 8.0/10 | 10.0/10 | 8.0/10 |
| Market value | $3.27B | $3.69B | $3.11B | $2.88B | |
| Revenue | $818.0M | — | — | $833.7M | |
| Profit | $210.5M | $302.1M | $255.6M | $169.5M | |
| Revenue growthChange in sales versus the prior year. | 9.6% | — | — | 20.5% | 20.5% |
| Gross marginShare of sales left after the direct cost of producing them. | — | — | — | — | — |
| Operating marginShare of sales left after running the business, before interest and tax. | — | — | — | — | — |
| Profit marginProfit kept from each dollar of sales. | 25.7% | — | — | 20.3% | 20.3% |
| Free cash flow marginCash left after capital spending, as a share of sales. | 28.5% | — | — | 25.4% | 25.4% |
| Return on equityProfit against the owners' stake in the company. | 10.5% | 8.8% | 9.2% | 7.0% | 8.8% |
| Return on invested capital (approx.)Operating profit after tax against equity plus debt, less cash. Cash here excludes short-term investments, so this runs low for cash-rich companies. | — | — | — | — | — |
| P/E ratioPrice paid per dollar of annual profit. | 15.56x | 12.22x | 12.16x | 17.00x | 12.22x |
| EV / EBITDA (approx.)Market value plus debt less cash, against operating profit before depreciation. Cash excludes short-term investments, so this runs high for cash-rich companies. | — | — | — | — | — |
| Price to book | 1.63x | 1.07x | 1.12x | 1.19x | 1.12x |
| Debt to equityTotal liabilities compared with owners' stake. | 7.63x | 6.73x | 6.63x | 7.13x | 6.73x |
| Piotroski F-ScoreNine checks of financial strength. Higher is stronger. | 6/6 | 5/6 | 5/6 | 5/7 | 5.0 |
| Bankruptcy riskAltman Z-Score zone. | n/a for banks | n/a for banks | n/a for banks | not reported |
How CBU compares with the others
- CBU's profit margin of 25.7% is higher than the other company selected (20.3%).
- Its revenue grew more slowly than the other company selected: 9.6% against 20.5%.
- It trades at a higher P/E than the median of the other companies selected: 15.6x against 12.2x.
- Its liabilities are higher relative to equity than the median of the other companies selected: 7.6x against 6.7x.
Measured against the other companies entered, from each one's latest annual filing. A difference describes the companies; it does not rank them.