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CBU vs JPM

CBU
Community Financial System, Inc.
NEUTRAL
Price
$62.32
Market Cap
$3.27B
Sector
Financial Services
AI Confidence
85%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CBU
15.7
JPM
15.68
Forward P/E
CBU
11.62
JPM
13.42
P/B Ratio
CBU
1.64
JPM
2.47
P/S Ratio
CBU
4.11
JPM
5.03
EV/EBITDA
CBU
--
JPM
--

Profitability

Gross Margin
CBU
0.0%
JPM
0.0%
Operating Margin
CBU
34.95%
JPM
41.06%
Profit Margin
CBU
26.42%
JPM
33.91%
ROE
CBU
11.17%
JPM
16.13%
ROA
CBU
1.25%
JPM
1.35%

Growth

Revenue Growth
CBU
10.7%
JPM
2.5%
Earnings Growth
CBU
9.7%
JPM
-3.6%

Financial Health

Debt/Equity
CBU
--
JPM
--
Current Ratio
CBU
--
JPM
--
Quick Ratio
CBU
--
JPM
--

Dividends

Dividend Yield
CBU
3.02%
JPM
1.91%
Payout Ratio
CBU
46.85%
JPM
28.97%

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
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

CBU vs JPM: Head-to-Head Comparison

This page compares Community Financial System, Inc. (CBU) and JPMorgan Chase & Co. (JPM) 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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