Community Financial System (CBU) vs Simmons First National (SFNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Simmons First National (SFNC) has outperformed Community Financial System (CBU) over the past year, gaining 14.5% versus a gain of 1.7%. Over five years, CBU leads with a -16.4% price change compared with -27.0% for SFNC. Simmons First National 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 -86.7%).
On valuation, Simmons First National trades at a lower forward P/E (9.6x vs 11.4x for Community Financial System). Simmons First National offers the higher dividend yield (3.85% vs 3.17%). Community Financial System converts more of its revenue into profit, with a net margin of 25.7% versus -385.1%.
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 | SFNC |
|---|---|---|
| Share price | $59.22 | $22.21 |
| Market cap | $3.12B | $3.21B |
| 1-day change | -0.60% | -1.68% |
| YTD return | +3.10% | +17.82% |
| 1-year return | +1.72% | +14.54% |
| 5-year return | -16.38% | -27.01% |
| P/E ratio (TTM) | 13.74 | — |
| Forward P/E | 11.40 | 9.56 |
| EPS (TTM) | $4.31 | $-2.40 |
| Dividend yield | 3.17% | 3.85% |
| Annual dividend | $1.88 | $0.855 |
| Revenue (latest FY) | $818.01M | $103.23M |
| Revenue growth (YoY) | +9.61% | -86.69% |
| Net income (latest FY) | $210.46M | $-397.55M |
| Net margin | 25.73% | -385.10% |
| 52-week high | $71.11 | $24.32 |
| 52-week low | $53.46 | $17.00 |
| Distance from 52-week high | -16.72% | -8.68% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +16.80% | +16.75% |
| Average volume | 258.30K | 1.39M |
| Shares outstanding | 52.62M | 144.51M |
| Employees | 2,853 | 2,909 |
| 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
- SFNC has outperformed CBU by 12.8 percentage points over the past year.
- Community Financial System is more profitable, keeping 25.7 cents of every revenue dollar as net income versus -385.1 cents for Simmons First National.
- Community Financial System grew revenue faster in its latest fiscal year (+9.61% vs -86.69%).
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 Simmons First National
SFNC stock →Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers deposits, checking, and savings accounts; loan products, such as consumer, real estate, commercial, agricultural, equipment, warehouse lending, and SBA lending; specialized products and services, including credit cards, trust and fiduciary services, investments, and insurance; and treasury management services.
Finance · Major Banks · 2,909 employees
CBU vs SFNC FAQ
Which is bigger, Community Financial System or Simmons First National?
Simmons First National (SFNC) 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 SFNC?
SFNC returned +14.54% over the past 12 months, compared with +1.72% for CBU (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Community Financial System or Simmons First National?
Simmons First National has the higher yield at 3.85%, compared with 3.17% for Community Financial System.
Are Community Financial System and Simmons First National in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.