Stocks / CBU vs MCHB

CBU vs MCHB: Which Stock Is the Better Buy?

Community Financial System, Inc. and Mechanics Bancorp side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

CBU is the larger company ($3.4B vs $3.3B). On the fundamentals, MCHB earns a higher net margin (40.1% vs 25.7%); CBU has the stronger return on equity (10.5% vs 9.3%); MCHB pays a higher dividend yield (8.7% vs 2.9%). Neither shows an obvious red flag in the filings. Full numbers below — the stronger figure on each row is in green.

AI verdict — CBU vs MCHB, 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)Mechanics Bancorp (MCHB)
Market cap$3.4B$3.3B
Revenue (latest FY)$818.01M$663.16M
Net income (latest FY)$210.46M$265.74M
Revenue growth (5y CAGR)
Net margin25.7%40.1%
Return on equity10.5%9.3%
P/E ratio15.8
Dividend yield2.9%8.7%
Profitable years (of last 10)109
Positive free cash flowYesYes

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See the full CBU vs MCHB 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 MCHB's full financials →

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Frequently asked questions

Which is bigger, CBU or MCHB?

Community Financial System, Inc. is larger by market capitalization — $3.4B versus $3.3B.

Which grows faster, CBU or MCHB?

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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