Community Bank System (CBU) Competitors

First Horizon (NYSE:FHN) and Community Bank System (NYSE:CBU) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, media sentiment, risk, institutional ownership, valuation, dividends, earnings, community ranking and analyst recommendations.

Do analysts rate FHN or CBU?

First Horizon currently has a consensus target price of $18.38, suggesting a potential downside of 9.70%. Community Bank System has a consensus target price of $58.67, suggesting a potential downside of 15.06%. Given First Horizon's higher probable upside, research analysts plainly believe First Horizon is more favorable than Community Bank System.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Horizon	0 Sell rating(s)	5 Hold rating(s)	8 Buy rating(s)	0 Strong Buy rating(s)	2.62
Community Bank System	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.67

Is FHN or CBU a better dividend stock?

First Horizon pays an annual dividend of $0.60 per share and has a dividend yield of 2.9%. Community Bank System pays an annual dividend of $1.84 per share and has a dividend yield of 2.7%. First Horizon pays out 43.5% of its earnings in the form of a dividend. Community Bank System pays out 57.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Community Bank System has raised its dividend for 33 consecutive years. First Horizon is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the MarketBeat Community believe in FHN or CBU?

First Horizon received 295 more outperform votes than Community Bank System when rated by MarketBeat users. Likewise, 54.59% of users gave First Horizon an outperform vote while only 48.12% of users gave Community Bank System an outperform vote.

Company	Underperform	Outperform
First Horizon	Outperform Votes 500 54.59%	Underperform Votes 416 45.41%
Community Bank System	Outperform Votes 205 48.12%	Underperform Votes 221 51.88%

Do insiders & institutionals have more ownership in FHN or CBU?

80.3% of First Horizon shares are owned by institutional investors. Comparatively, 73.8% of Community Bank System shares are owned by institutional investors. 0.9% of First Horizon shares are owned by insiders. Comparatively, 1.9% of Community Bank System shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Does the media refer more to FHN or CBU?

In the previous week, First Horizon had 7 more articles in the media than Community Bank System. MarketBeat recorded 10 mentions for First Horizon and 3 mentions for Community Bank System. First Horizon's average media sentiment score of 0.97 beat Community Bank System's score of 0.45 indicating that First Horizon is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Horizon	7 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Community Bank System	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is FHN or CBU more profitable?

Community Bank System has a net margin of 18.82% compared to First Horizon's net margin of 15.43%. Community Bank System's return on equity of 10.52% beat First Horizon's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Horizon	15.43%	9.51%	1.01%
Community Bank System	18.82%	10.52%	1.12%

Which has stronger valuation and earnings, FHN or CBU?

First Horizon has higher revenue and earnings than Community Bank System. First Horizon is trading at a lower price-to-earnings ratio than Community Bank System, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Horizon	$5.03B	2.15	$897M	$1.38	14.75
Community Bank System	$756.22M	4.80	$131.92M	$3.21	21.52

Which has more risk & volatility, FHN or CBU?

First Horizon has a beta of 0.86, meaning that its share price is 14% less volatile than the S&P 500. Comparatively, Community Bank System has a beta of 0.62, meaning that its share price is 38% less volatile than the S&P 500.

Summary

First Horizon beats Community Bank System on 12 of the 22 factors compared between the two stocks.