CBU PEER ANALYSIS

Community Bank System Inc — metric-by-metric comparison with peers and the industry median

CBUCommunity Bank System Inc

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CBUIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CBU	EQB	BOQ	BEN	BFL	KLNMA	Ind. Median
P/E	16.48	25.90	40.94	—	3.25●	10.20	12.88
P/B	1.77	1.55	0.69●	1.00	0.74	2.79	1.29
EV/EBITDA	11.49	54.62	67.07	—	-1.43●	7.18	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CBU	EQB	BOQ	BEN	BFL	KLNMA	Ind. Median
Current Ratio	2.85	0.09	0.05	0.03	33.68●	—	0.31
Debt/Equity	32.0%	496.5%	258.4%	142.6%	9.1%	0.0%●	38.0%
NetDebt/EBITDA	0.24	40.36	49.89	—	-3.30●	-0.00	-0.58

Profitability
Metric	CBU	EQB	BOQ	BEN	BFL	KLNMA	Ind. Median
Net Margin	21.3%	6.6%	2.0%	—	30.2%	58.1%●	20.6%
ROE	11.3%	6.1%	1.6%	—	24.2%	34.1%●	10.9%
ROA	1.3%	0.4%	0.1%	—	2.9%	5.4%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CBU	EQB	BOQ	BEN	BFL	KLNMA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	14.0%	-49.0%	-67.9%	—	—	42.3%●	19.4%
Div. Yield	2.7%	1.6%	6.5%	6.1%	22.6%●	—	2.5%
Payout	45.0%	43.2%	256.1%	—	68.7%	—	31.4%

Valuation
Metric	CBU	FFBC	SBCF	FHB	BKU	WSBC	Ind. Median
P/E	16.48	12.91	24.98	12.98	13.98	11.90●	12.88
P/B	1.77	1.22	1.19	1.34	1.24	0.94●	1.29
EV/EBITDA	11.49	10.97●	20.53	—	14.89	11.49	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CBU	FFBC	SBCF	FHB	BKU	WSBC	Ind. Median
Current Ratio	2.85●	0.31	0.53	—	0.01	2.80	0.31
Debt/Equity	32.0%	31.6%●	41.3%	—	68.8%	34.3%	38.0%
NetDebt/EBITDA	0.24●	1.91	4.65	—	5.29	2.72	-0.58

Profitability
Metric	CBU	FFBC	SBCF	FHB	BKU	WSBC	Ind. Median
Net Margin	21.3%	20.9%	15.9%	24.8%●	12.8%	21.3%	20.6%
ROE	11.3%●	10.2%	5.5%	10.5%	9.2%	8.2%	10.9%
ROA	1.3%	1.4%●	0.8%	1.2%	0.8%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CBU	FFBC	SBCF	FHB	BKU	WSBC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	14.0%	21.5%	14.9%	21.1%	11.9%	200.2%●	19.4%
Div. Yield	2.7%	2.9%	2.2%	3.4%	2.6%	3.8%●	2.5%
Payout	45.0%	35.0%	50.3%	46.1%	34.5%	48.2%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.