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CBU vs HG

CBU
Community Financial System, Inc.
NEUTRAL
Price
$62.32
Market Cap
$3.27B
Sector
Financial Services
AI Confidence
85%
HG
Hamilton Insurance Group, Ltd.
BULLISH
Price
$32.50
Market Cap
$3.23B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CBU
15.7
HG
5.86
Forward P/E
CBU
11.62
HG
6.8
P/B Ratio
CBU
1.64
HG
1.14
P/S Ratio
CBU
4.11
HG
1.11
EV/EBITDA
CBU
--
HG
2.44

Profitability

Gross Margin
CBU
0.0%
HG
39.35%
Operating Margin
CBU
34.95%
HG
26.88%
Profit Margin
CBU
26.42%
HG
19.81%
ROE
CBU
11.17%
HG
32.62%
ROA
CBU
1.25%
HG
6.12%

Growth

Revenue Growth
CBU
10.7%
HG
29.4%
Earnings Growth
CBU
9.7%
HG
433.3%

Financial Health

Debt/Equity
CBU
--
HG
0.06
Current Ratio
CBU
--
HG
2.01
Quick Ratio
CBU
--
HG
1.15

Dividends

Dividend Yield
CBU
3.02%
HG
--
Payout Ratio
CBU
46.85%
HG
0.0%

AI Verdict

CBU NEUTRAL

CBU presents a stable but stagnant profile, anchored by a Piotroski F-Score of 4/9, indicating mediocre financial health. While the current price of $62.32 sits slightly above the Graham Number ($58.32) but well below the growth-based intrinsic value ($85.55), valuation is tempered by a high PEG ratio of 2.62. Recent earnings performance is disappointing, with only one beat in the last four quarters and a bearish insider sentiment. The stock is currently a hold, balancing steady dividend payouts against weakening internal momentum.

Strengths
Consistent revenue growth of 10.70% YoY
Sustainable dividend payout ratio of 46.85%
Positive ROE of 11.17% and ROA of 1.25%
Risks
Bearish insider activity with four recent sales and zero buys
Poor earnings track record (only 1 of last 4 quarters beat estimates)
High PEG ratio (2.62) suggesting overvaluation relative to growth
HG BULLISH

HG exhibits a stable Piotroski F-Score of 4/9 and is significantly undervalued relative to its Graham Number ($59.65) and Intrinsic Value ($163.72). The company is delivering explosive earnings growth (433% YoY) and maintains a superior ROE of 32.62%, far outpacing sector averages. While the technical trend is currently bearish (10/100), the fundamental disconnect between the low P/E (5.86) and high growth suggests a strong value opportunity. The balance sheet is exceptionally clean with a Debt/Equity ratio of 0.06.

Strengths
Explosive earnings growth (433.30% YoY) and consistent EPS beats
Extremely low valuation (P/E 5.86) relative to sector average (37.31)
High profitability with an ROE of 32.62%
Risks
Strongly bearish technical trend (10/100) suggesting short-term price pressure
Lack of dividend payments for income-focused investors
High volatility inherent in the reinsurance industry

Compare Another Pair

CBU vs HG: Head-to-Head Comparison

This page compares Community Financial System, Inc. (CBU) and Hamilton Insurance Group, Ltd. (HG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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