Community Financial System (CBU) vs First Hawaiian (FHB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Community Financial System (CBU) has outperformed First Hawaiian (FHB) over the past year, gaining 2.8% versus a gain of 1.1%. Over five years, FHB leads with a -13.7% price change compared with -17.2% for CBU. Community Financial System is the larger company by market cap ($3.08 billion vs $3.00 billion), about 1.0 times the size.
On valuation, First Hawaiian trades at a lower forward P/E (9.8x vs 11.3x for Community Financial System). First Hawaiian offers the higher dividend yield (4.21% vs 3.21%). First Hawaiian converts more of its revenue into profit, with a net margin of 31.4% 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 | CBU | FHB |
|---|---|---|
| Share price | $58.63 | $24.69 |
| Market cap | $3.08B | $3.00B |
| 1-day change | -0.80% | -1.08% |
| YTD return | +2.07% | -2.41% |
| 1-year return | +2.84% | +1.15% |
| 5-year return | -17.21% | -13.73% |
| P/E ratio (TTM) | 13.60 | 10.73 |
| Forward P/E | 11.32 | 9.75 |
| EPS (TTM) | $4.31 | $2.30 |
| Dividend yield | 3.21% | 4.21% |
| Annual dividend | $1.88 | $1.04 |
| Revenue (latest FY) | $818.01M | $880.79M |
| Revenue growth (YoY) | +9.61% | +8.94% |
| Net income (latest FY) | $210.46M | $276.27M |
| Net margin | 25.73% | 31.37% |
| 52-week high | $71.11 | $30.58 |
| 52-week low | $53.46 | $22.65 |
| Distance from 52-week high | -17.55% | -19.26% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +17.98% | +18.79% |
| Average volume | 260.10K | 2.31M |
| Shares outstanding | 52.62M | 121.68M |
| Employees | 2,853 | 1,995 |
| Sector | Financial Services | Finance |
| Industry | Banks - Regional | 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
- Community Financial System trades at a higher earnings multiple (13.6x vs 10.7x trailing P/E).
- First Hawaiian offers a meaningfully higher dividend yield (4.21% vs 3.21%).
- First Hawaiian is more profitable, keeping 31.4 cents of every revenue dollar as net income versus 25.7 cents for Community Financial System.
- The two companies sit in different sectors: Community Financial System in Financial Services and First Hawaiian in Finance.
About Community Financial System
CBU stock →Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A.
Financial Services · Banks - Regional · 2,853 employees
About First Hawaiian
FHB stock →First Hawaiian, Inc. operates as a bank holding company for First Hawaiian Bank that provides a range of banking products and services to consumer and commercial customers in the United States.
Finance · Major Banks · 1,995 employees
CBU vs FHB FAQ
Which is bigger, Community Financial System or First Hawaiian?
Community Financial System (CBU) is larger, with a market capitalization of $3.08B compared with $3.00B for First Hawaiian (FHB).
Which stock has performed better over the past year, CBU or FHB?
CBU returned +2.84% over the past 12 months, compared with +1.15% for FHB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CBU or FHB?
FHB has the lower trailing P/E at 10.7, 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, Community Financial System or First Hawaiian?
First Hawaiian has the higher yield at 4.21%, compared with 3.21% for Community Financial System.
Are Community Financial System and First Hawaiian in the same industry?
No. Community Financial System is in the Financial Services sector, while First Hawaiian is in Finance.