COMP <GO>
FFBC vs CBU // EV/EBITDA & P/E VALUATION
First Financial Bancorp. (NASDAQ) VS. Community Financial System Inc. (NYSE) • 15-METRIC TALLY: FFBC 2
— CBU 4
■ METRIC PARITY
LAST: $32.78 (+0.34%) • MKT CAP: $3.45B
valuation
—
LAST: $63.37 (+0.96%) • MKT CAP: $3.33B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FFBC VS. CBU)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FFBC | CBU | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 0.00% | 10.50% | -10.50 | CBU | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.20% | 7.00% | +2.20 | FFBC | /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 | 2.75% | 2.93% | -0.18 | CBU | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | CBU | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.5 | 57.3 | -2.84 | CBU | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 14.7x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.45B | $3.33B | $113.1M | FFBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FFBC REV | CBU REV | FFBC GROSS % | CBU GROSS % | FFBC FCF | CBU FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $818.0M | — | — | $317.1M | $233.3M |
| FY 2024 | $0 | $746.3M | — | — | $241.1M | $221.6M |
| FY 2023 | $0 | $652.1M | — | — | $487.0M | $228.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FFBC // BETA —
CBU // BETA —