Stocks / CBU vs GBDC

CBU vs GBDC: Which Stock Is the Better Buy?

Community Financial System, Inc. and Golub Capital BDC, Inc. side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

GBDC is the larger company ($3.4B vs $3.4B). On the fundamentals, GBDC earns a higher net margin (92.4% vs 25.7%); CBU has the stronger return on equity (10.5% vs 9.5%); CBU trades cheaper on earnings (15.8× vs 17.2×). On the filings, CBU carries fewer potential red flags (0 vs 3). Full numbers below — the stronger figure on each row is in green.

AI verdict — CBU vs GBDC, read from the filings

The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.

 Community Financial System, Inc. (CBU)Golub Capital BDC, Inc. (GBDC)
Market cap$3.4B$3.4B
Revenue (latest FY)$818.01M$407.83M
Net income (latest FY)$210.46M$376.65M
Revenue growth (5y CAGR)
Net margin25.7%92.4%
Return on equity10.5%9.5%
P/E ratio15.817.2
Dividend yield2.9%10.9%
Profitable years (of last 10)106
Positive free cash flowYes

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Use the filing period and source shown by each tool before treating two figures as comparable.

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See the full CBU vs GBDC breakdown

Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.

Open CBU's full financials →   Open GBDC's full financials →

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Frequently asked questions

Which is bigger, CBU or GBDC?

Golub Capital BDC, Inc. is larger by market capitalization — $3.4B versus $3.4B.

Which grows faster, CBU or GBDC?

Five-year growth data is not available for both companies.

Where does this data come from?

All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.

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