Head to Head Comparison: Firstsun Capital Bancorp (NASDAQ:FSUN) & Community Bank System (NYSE:CBU)

Community Bank System (NYSE:CBU) and Firstsun Capital Bancorp (NASDAQ:FSUN) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, institutional ownership, dividends, valuation and risk.

Institutional and Insider Ownership

73.8% of Community Bank System shares are owned by institutional investors. 1.9% of Community Bank System shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Community Bank System and Firstsun Capital Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Bank System	19.40%	10.94%	1.17%
Firstsun Capital Bancorp	13.77%	8.56%	1.07%

Analyst Ratings

This is a summary of recent ratings and price targets for Community Bank System and Firstsun Capital Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Bank System	0	2	0	1	2.67
Firstsun Capital Bancorp	0	0	3	0	3.00

Community Bank System presently has a consensus target price of $71.00, suggesting a potential upside of 24.84%. Firstsun Capital Bancorp has a consensus target price of $46.67, suggesting a potential upside of 29.70%. Given Firstsun Capital Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Firstsun Capital Bancorp is more favorable than Community Bank System.

Earnings and Valuation

This table compares Community Bank System and Firstsun Capital Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Bank System	$746.30 million	4.02	$182.48 million	$3.44	16.53
Firstsun Capital Bancorp	$377.44 million	2.65	$75.63 million	N/A	N/A

Community Bank System has higher revenue and earnings than Firstsun Capital Bancorp.

Summary

Community Bank System beats Firstsun Capital Bancorp on 9 of the 12 factors compared between the two stocks.

About Community Bank System

Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.

About Firstsun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.