Beacon Financial (BBT) vs Community Financial System (CBU)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Beacon Financial (BBT) has outperformed Community Financial System (CBU) over the past year, gaining 13.8% versus a gain of 2.8%. Over five years, BBT leads with a +0.6% price change compared with -17.2% for CBU. Community Financial System is the larger company by market cap ($3.08 billion vs $2.28 billion), about 1.4 times the size.
On valuation, Beacon Financial trades at a lower forward P/E (8.2x vs 11.3x for Community Financial System). Beacon Financial offers the higher dividend yield (4.74% vs 3.21%). Beacon Financial converts more of its revenue into profit, with a net margin of 301.4% versus 25.7%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BBT | CBU |
|---|---|---|
| Share price | $27.19 | $58.63 |
| Market cap | $2.28B | $3.08B |
| 1-day change | -1.06% | -0.80% |
| YTD return | +3.11% | +2.07% |
| 1-year return | +13.77% | +2.84% |
| 5-year return | +0.59% | -17.21% |
| P/E ratio (TTM) | 7.35 | 13.60 |
| Forward P/E | 8.18 | 11.32 |
| EPS (TTM) | $3.70 | $4.31 |
| Dividend yield | 4.74% | 3.21% |
| Annual dividend | $1.29 | $1.88 |
| Revenue (latest FY) | $29.95M | $818.01M |
| Revenue growth (YoY) | -92.51% | +9.61% |
| Net income (latest FY) | $90.27M | $210.46M |
| Net margin | 301.44% | 25.73% |
| 52-week high | $32.83 | $71.11 |
| 52-week low | $22.81 | $53.46 |
| Distance from 52-week high | -17.18% | -17.55% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +26.26% | +17.98% |
| Average volume | 914.66K | 262.21K |
| Shares outstanding | 83.82M | 52.62M |
| Employees | 1,972 | 2,853 |
| Sector | Finance | Finance |
| Industry | Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- BBT has outperformed CBU by 10.9 percentage points over the past year.
- Community Financial System trades at a higher earnings multiple (13.6x vs 7.3x trailing P/E).
- Beacon Financial offers a meaningfully higher dividend yield (4.74% vs 3.21%).
- Beacon Financial is more profitable, keeping 301.4 cents of every revenue dollar as net income versus 25.7 cents for Community Financial System.
- Community Financial System grew revenue faster in its latest fiscal year (+9.61% vs -92.51%).
About Beacon Financial
BBT stock →Beacon Financial Corporation operates as the bank holding company for Beacon Bank & Trust that provides various banking services in the United States and internationally. The company accepts commercial, municipal, and retail deposits.
Finance · Banks · 1,972 employees
About Community Financial System
CBU stock →Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A.
Finance · Major Banks · 2,853 employees
BBT vs CBU FAQ
Which is bigger, Beacon Financial or Community Financial System?
Community Financial System (CBU) is larger, with a market capitalization of $3.08B compared with $2.28B for Beacon Financial (BBT).
Which stock has performed better over the past year, BBT or CBU?
BBT returned +13.77% over the past 12 months, compared with +2.84% for CBU (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BBT or CBU?
BBT has the lower trailing P/E at 7.3, versus 13.6 for CBU. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Beacon Financial or Community Financial System?
Beacon Financial has the higher yield at 4.74%, compared with 3.21% for Community Financial System.
Are Beacon Financial and Community Financial System in the same industry?
Both are in the Finance sector, but in different industries: Banks for Beacon Financial and Major Banks for Community Financial System.