COMP <GO>

CBU vs SBCF // EV/EBITDA & P/E VALUATION

Community Financial System Inc. (NYSE) VS. Seacoast Banking Corporation of Florida (NASDAQ) • 15-METRIC TALLY: CBU 7 — SBCF 0

■ METRIC PARITY

LAST: $63.37 (+0.96%) • MKT CAP: $3.33B

valuation

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LAST: $33.22 (+1.34%) • MKT CAP: $3.22B

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CBU VS. SBCF) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	CBU	SBCF	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	10.50%	5.30%	+5.20	CBU	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	7.00%	5.85%	+1.15	CBU	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	25.70%	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	9.60%	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	2.93%	0.00%	+2.93	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	57.3	51.3	+6.08	CBU	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	14.7x	20.6x	-5.90	CBU	/forward-pe <GO>
Enterprise Scale & Market Cap	$3.33B	$3.22B	$117.8M	CBU	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	CBU REV	SBCF REV	CBU GROSS %	SBCF GROSS %	CBU FCF	SBCF FCF
FY 2025	$818.0M	$0	—	—	$233.3M	$188.1M
FY 2024	$746.3M	$0	—	—	$221.6M	$179.9M
FY 2023	$652.1M	$0	—	—	$228.4M	$150.6M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

CBU // BETA —

SBCF // BETA —