Community Financial System (CBU) vs Seacoast Banking of Florida (SBCF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Community Financial System (CBU) has outperformed Seacoast Banking of Florida (SBCF) over the past year, gaining 1.7% versus a gain of 0.5%. Over five years, SBCF leads with a -12.0% price change compared with -16.4% for CBU. Community Financial System is the larger company by market cap ($3.12 billion vs $3.09 billion), about 1.0 times the size, while Seacoast Banking of Florida is growing revenue faster (+26.6% vs +9.6%).
On valuation, Community Financial System trades at a lower forward P/E (11.4x vs 11.5x for Seacoast Banking of Florida). Community Financial System offers the higher dividend yield (3.17% vs 2.35%). Community Financial System converts more of its revenue into profit, with a net margin of 25.7% versus 22.2%.
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 | SBCF |
|---|---|---|
| Share price | $59.22 | $31.87 |
| Market cap | $3.12B | $3.09B |
| 1-day change | -0.60% | -1.70% |
| YTD return | +3.10% | +1.43% |
| 1-year return | +1.72% | +0.47% |
| 5-year return | -16.38% | -11.99% |
| P/E ratio (TTM) | 13.84 | 20.56 |
| Forward P/E | 11.40 | 11.51 |
| EPS (TTM) | $4.28 | $1.55 |
| Dividend yield | 3.17% | 2.35% |
| Annual dividend | $1.88 | $0.75 |
| Revenue (latest FY) | $818.01M | $652.63M |
| Revenue growth (YoY) | +9.61% | +26.63% |
| Net income (latest FY) | $210.46M | $144.88M |
| Net margin | 25.73% | 22.20% |
| 52-week high | $71.11 | $36.27 |
| 52-week low | $53.46 | $28.58 |
| Distance from 52-week high | -16.72% | -12.13% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +16.80% | +16.22% |
| Average volume | 258.30K | 899.08K |
| Shares outstanding | 52.62M | 96.82M |
| Employees | 2,853 | 1,964 |
| 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
- Seacoast Banking of Florida trades at a higher earnings multiple (20.6x vs 13.8x trailing P/E).
- Seacoast Banking of Florida grew revenue faster in its latest fiscal year (+26.63% vs +9.61%).
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 Seacoast Banking of Florida
SBCF stock →Seacoast Banking Corporation of Florida operates as the bank holding company for Seacoast National Bank that provides integrated financial services to retail and commercial customers in Florida. The company offers noninterest and interest-bearing demand deposits, money market, savings, and customer sweep accounts; time deposits; construction and land development, commercial and residential real estate, and commercial and financial loans; and consumer loans, including installment and revolving lines, as well as loans for automobiles, boats, and personal and family purposes.
Finance · Major Banks · 1,964 employees
CBU vs SBCF FAQ
Which is bigger, Community Financial System or Seacoast Banking of Florida?
Community Financial System (CBU) is larger, with a market capitalization of $3.12B compared with $3.09B for Seacoast Banking of Florida (SBCF).
Which stock has performed better over the past year, CBU or SBCF?
CBU returned +1.72% over the past 12 months, compared with +0.47% for SBCF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CBU or SBCF?
CBU has the lower trailing P/E at 13.8, versus 20.6 for SBCF. 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 Seacoast Banking of Florida?
Community Financial System has the higher yield at 3.17%, compared with 2.35% for Seacoast Banking of Florida.
Are Community Financial System and Seacoast Banking of Florida in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.