COMP <GO>
CBU vs MS // FREE CASH FLOW YIELD
Community Financial System Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: CBU 8
— MS 1
▲ FREE CASH FLOW YIELD LEADER: CBU
LAST: $62.37 (-1.58%) • MKT CAP: $3.33B
fcf-yield
7.00%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
fcf-yield
-7.25%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CBU VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CBU | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.50% | 3.00% | +7.50 | CBU | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 7.00% | -7.25% | +14.25 | CBU | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 25.70% | 20.20% | +5.50 | CBU | /net-margins <GO> |
| Revenue Growth (YoY) | 9.60% | 5.50% | +4.10 | CBU | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.93% | 2.21% | +0.72 | CBU | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | CBU | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.8 | 51.0 | +11.80 | CBU | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 14.7x | 16.5x | -1.80 | CBU | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.33B | $298.41B | -$295.07B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CBU REV | MS REV | CBU GROSS % | MS GROSS % | CBU FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $818.0M | $0 | — | — | $233.3M | -$17.89B |
| FY 2024 | $746.3M | $0 | — | — | $221.6M | $1.36B |
| FY 2023 | $652.1M | $0 | — | — | $228.4M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CBU // BETA —
MS // BETA 1.04