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CBU vs MA

CBU
Community Financial System, Inc.
NEUTRAL
Price
$62.32
Market Cap
$3.27B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CBU
15.7
MA
30.28
Forward P/E
CBU
11.62
MA
22.05
P/B Ratio
CBU
1.64
MA
57.74
P/S Ratio
CBU
4.11
MA
13.6
EV/EBITDA
CBU
--
MA
22.13

Profitability

Gross Margin
CBU
0.0%
MA
100.0%
Operating Margin
CBU
34.95%
MA
57.73%
Profit Margin
CBU
26.42%
MA
45.65%
ROE
CBU
11.17%
MA
209.91%
ROA
CBU
1.25%
MA
23.72%

Growth

Revenue Growth
CBU
10.7%
MA
17.6%
Earnings Growth
CBU
9.7%
MA
24.2%

Financial Health

Debt/Equity
CBU
--
MA
2.56
Current Ratio
CBU
--
MA
1.03
Quick Ratio
CBU
--
MA
0.68

Dividends

Dividend Yield
CBU
3.02%
MA
0.7%
Payout Ratio
CBU
46.85%
MA
18.4%

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
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CBU vs MA: Head-to-Head Comparison

This page compares Community Financial System, Inc. (CBU) and Mastercard Incorporated (MA) 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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