Community Financial System (CBU) vs Mechanics Bancorp (MCHB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Mechanics Bancorp (MCHB) has outperformed Community Financial System (CBU) over the past year, gaining 11.3% versus a gain of 1.7%. Over five years, CBU leads with a -16.4% price change compared with -65.6% for MCHB. Mechanics Bancorp is the larger company by market cap ($3.21 billion vs $3.12 billion), about 1.0 times the size, while Community Financial System is growing revenue faster (+9.6% vs +3.3%).
On valuation, Community Financial System trades at a lower forward P/E (11.4x vs 12.2x for Mechanics Bancorp). Mechanics Bancorp offers the higher dividend yield (9.03% vs 3.17%). Mechanics Bancorp converts more of its revenue into profit, with a net margin of 534.4% 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 | MCHB |
|---|---|---|
| Share price | $59.24 | $14.50 |
| Market cap | $3.12B | $3.21B |
| 1-day change | +0.03% | -0.75% |
| YTD return | +3.10% | -0.14% |
| 1-year return | +1.72% | +11.27% |
| 5-year return | -16.38% | -65.63% |
| P/E ratio (TTM) | 13.74 | 11.33 |
| Forward P/E | 11.44 | 12.24 |
| EPS (TTM) | $4.31 | $1.28 |
| Dividend yield | 3.17% | 9.03% |
| Annual dividend | $1.88 | $1.31 |
| Revenue (latest FY) | $818.01M | $49.73M |
| Revenue growth (YoY) | +9.61% | +3.33% |
| Net income (latest FY) | $210.46M | $265.74M |
| Net margin | 25.73% | 534.39% |
| 52-week high | $71.11 | $17.38 |
| 52-week low | $53.46 | $12.82 |
| Distance from 52-week high | -16.69% | -16.57% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +16.76% | +19.86% |
| Average volume | 258.75K | 575.29K |
| Shares outstanding | 52.62M | 220.31M |
| Employees | 2,853 | 1,756 |
| Sector | Finance | Finance |
| Industry | Major 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
- Mechanics Bancorp offers a meaningfully higher dividend yield (9.03% vs 3.17%).
- Mechanics Bancorp is more profitable, keeping 534.4 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 +3.33%).
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
About Mechanics Bancorp
MCHB stock →Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real estate lending services, small business lending loans, multi-family lending services; mortgage and consumer lending loans; commercial real estate loans; residential construction loans; private banking, such as loan program, personal lines of credit and investment management and trust lines of credit.
Finance · Major Banks · 1,756 employees
CBU vs MCHB FAQ
Which is bigger, Community Financial System or Mechanics Bancorp?
Mechanics Bancorp (MCHB) is larger, with a market capitalization of $3.21B compared with $3.12B for Community Financial System (CBU).
Which stock has performed better over the past year, CBU or MCHB?
MCHB returned +11.27% over the past 12 months, compared with +1.72% for CBU (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CBU or MCHB?
MCHB has the lower trailing P/E at 11.3, versus 13.7 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 Mechanics Bancorp?
Mechanics Bancorp has the higher yield at 9.03%, compared with 3.17% for Community Financial System.
Are Community Financial System and Mechanics Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.