COMP <GO>
CBU vs MCHB // OPERATING MARGIN
Community Financial System Inc. (NYSE) VS. Mechanics Bancorp (Class A) (NASDAQ) • 15-METRIC TALLY: CBU 7
— MCHB 2
■ METRIC PARITY
LAST: $62.37 (-1.58%) • MKT CAP: $3.33B
operating-margins
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LAST: $14.64 (-0.20%) • MKT CAP: $3.23B
operating-margins
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CBU VS. MCHB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CBU | MCHB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.50% | 9.30% | +1.20 | CBU | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.00% | 5.79% | +1.21 | CBU | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 25.70% | 68.00% | -42.30 | MCHB | /net-margins <GO> |
| Revenue Growth (YoY) | 9.60% | 3.30% | +6.30 | CBU | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.93% | 1.50% | +1.43 | CBU | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | CBU | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.8 | 44.6 | +18.20 | CBU | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.7x | 11.3x | +3.40 | MCHB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.33B | $3.23B | $102.3M | CBU | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CBU REV | MCHB REV | CBU GROSS % | MCHB GROSS % | CBU FCF | MCHB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $818.0M | $49.7M | — | — | $233.3M | $187.1M |
| FY 2024 | $746.3M | $48.1M | — | — | $221.6M | $285.9M |
| FY 2023 | $652.1M | $0 | — | — | $228.4M | $8.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CBU // BETA —
MCHB // BETA —