Community Bank System (NYSE:CBU) and Industrial & Cmrcl Bnk f China (OTCMKTS:IDCBY) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, risk, institutional ownership and dividends.
Community Bank System pays an annual dividend of $1.52 per share and has a dividend yield of 2.5%. Industrial & Cmrcl Bnk f China pays an annual dividend of $0.61 per share and has a dividend yield of 4.3%. Community Bank System pays out 45.1% of its earnings in the form of a dividend. Community Bank System has increased its dividend for 8 consecutive years.
71.4% of Community Bank System shares are owned by institutional investors. 2.2% of Community Bank System shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Risk & Volatility
Community Bank System has a beta of 0.96, indicating that its share price is 4% less volatile than the S&P 500. Comparatively, Industrial & Cmrcl Bnk f China has a beta of 1.07, indicating that its share price is 7% more volatile than the S&P 500.
This is a breakdown of recent recommendations and price targets for Community Bank System and Industrial & Cmrcl Bnk f China, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Community Bank System||0||3||0||0||2.00|
|Industrial & Cmrcl Bnk f China||0||0||0||0||N/A|
Community Bank System currently has a consensus target price of $63.00, indicating a potential upside of 1.93%. Given Community Bank System’s higher probable upside, research analysts clearly believe Community Bank System is more favorable than Industrial & Cmrcl Bnk f China.
Valuation & Earnings
This table compares Community Bank System and Industrial & Cmrcl Bnk f China’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Community Bank System||$586.79 million||5.43||$168.64 million||$3.37||18.34|
|Industrial & Cmrcl Bnk f China||$159.15 billion||0.39||$43.04 billion||N/A||N/A|
Industrial & Cmrcl Bnk f China has higher revenue and earnings than Community Bank System.
This table compares Community Bank System and Industrial & Cmrcl Bnk f China’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Community Bank System||28.93%||10.49%||1.67%|
|Industrial & Cmrcl Bnk f China||27.14%||13.28%||1.08%|
Community Bank System beats Industrial & Cmrcl Bnk f China on 8 of the 14 factors compared between the two stocks.
Community Bank System Company Profile
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as checking, savings, and money market accounts, as well as time deposits. It also provides loans comprising consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory services; and asset management services to individuals, corporations, corporate pension and profit sharing plans, and foundations, as well as operates as a full-service insurance agency that offers personal and commercial property insurance, and other risk management products and services. Further, it offers contribution plan administration services, actuarial and benefits consulting services, and collective investment fund administration and institutional trust services, as well as employee benefit trust, retirement plan administration, VEBA/HRA, and health and welfare consulting services. Additionally, the company provides wealth management, higher educational planning, fiduciary, risk management, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and advisory products, as well as transfer agency and master recordkeeping services. As of December 31, 2018, it had 224 branches in Upstate New York, as well as Northeastern Pennsylvania, Vermont, and Western Massachusetts. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
Industrial & Cmrcl Bnk f China Company Profile
Industrial and Commercial Bank of China Limited provides various banking products and services primarily in China and internationally. It operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. This segment's products and services include corporate loans, trade financing, deposit-taking activities, corporate wealth management services, custody activities, various corporate intermediary services, etc. The Personal Banking segment provides personal loans and cards, deposits, personal wealth management, and personal intermediary services to individual customers. The Treasury Operations segment is involved in the money market transactions, investment securities, and foreign exchange transactions, as well as holding of derivative positions. The company also offers e-banking services, including Internet, telephone, and mobile banking services; and fund and asset management, trust, financial leasing, broker dealer, insurance, and other financial services. It operates approximately 16,394 domestic institutions and 426 overseas institutions. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, the People's Republic of China.
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