CBU vs MCHB

Comparison between Community Bank System Inc (CBU, Company) and Mechanics Bank (MCHB, Company).

Both CBU and MCHB are from the Financial Services sector.

5-Year PerformanceCBU has outperformed MCHB, delivering a return of +1.9% compared to -75.6%

CBU vs MCHB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CBU(COMPANY)	MCHB(COMPANY)
Market Cap	$3.54B	$3.53B
Max Drawdown	54.44%	99.97%
Sharpe Ratio	0.83	-0.61
5Y Beta	0.86	0.39
Industry	Banks - Regional	Banks - Regional
P/E Ratio	16.61	12.49
Forward P/E	15.77	N/A
PEG Ratio	0.78	0.00
Dividend Yield	2.76%	3.80%
5Y Dividends CAGR	2.28%	N/A
5Y EPS CAGR	3.55%	N/A
Debt to Equity	0.00%	4.61%
Free Cash Flow Yield	6.83%	6.18%
P/S Ratio	4.33	5.12
P/B Ratio	1.76	1.27

Market Cap

Winner

CBU

$3.54B

MCHB

$3.53B

Max Drawdown

Winner

CBU

54.44%

MCHB

99.97%

Sharpe Ratio

Winner

CBU

0.83

MCHB

-0.61

5Y Beta

CBU

0.86

Winner

MCHB

0.39

Industry

CBU

Banks - Regional

MCHB

Banks - Regional

P/E Ratio

CBU

16.61

Winner

MCHB

12.49

Forward P/E

CBU

15.77

MCHB

N/A

PEG Ratio

CBU

0.78

Winner

MCHB

0.00

Dividend Yield

CBU

2.76%

Winner

MCHB

3.80%

5Y Dividends CAGR

CBU

2.28%

MCHB

N/A

5Y EPS CAGR

CBU

3.55%

MCHB

N/A

Debt to Equity

Winner

CBU

0.00%

MCHB

4.61%

Free Cash Flow Yield

Winner

CBU

6.83%

MCHB

6.18%

P/S Ratio

Winner

CBU

4.33

MCHB

5.12

P/B Ratio

CBU

1.76

Winner

MCHB

1.27

CBU vs MCHB - Historical Returns

Returns include dividend reinvestment.

Period	CBU	MCHB
1 month	+0.95%	+0.06%
3 months	+8.66%	+6.92%
6 months	+10.14%	+15.10%
1 year	+27.36%	-99.96%
5 years(CAGR)	+1.87%	-75.61%
10 years(CAGR)	+7.42%	-50.34%
Max(CAGR)	+9.92%	-35.44%

Winner

CBU

+0.95%

MCHB

+0.06%

Winner

CBU

+8.66%

MCHB

+6.92%

CBU

+10.14%

Winner

MCHB

+15.10%

Winner

CBU

+27.36%

MCHB

-99.96%

5Y(CAGR)

Winner

CBU

+1.87%

MCHB

-75.61%

10Y(CAGR)

Winner

CBU

+7.42%

MCHB

-50.34%

Max(CAGR)

Winner

CBU

+9.92%

MCHB

-35.44%

CBU vs MCHB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CBU	MCHB
2026	+17.51%	+14.86%
2025	-2.88%	-99.94%
2024	+21.47%	+16.95%
2023	-13.25%	+7.09%
2022	-13.90%	-1.18%
2021	+22.82%	+46.54%
2020	-9.71%	-32.97%
2019	+22.82%	-0.78%
2018	+10.84%	+5.97%
2017	-10.99%	+7.68%
2016	+64.39%	-3.45%
2015	+9.46%	+11.54%
2014	+0.74%	+100.00%
2013	+44.86%	+19.82%
2012	+0.56%	-5.22%
2011	+2.57%	N/A
2010	+47.64%	N/A
2009	-14.82%	N/A
2008	+29.07%	N/A
2007	-11.56%	N/A
2006	+4.38%	N/A
2005	-14.00%	N/A
2004	+19.34%	N/A
2003	+58.16%	N/A
2002	+24.44%	N/A
2001	+8.33%	N/A
2000	+12.98%	N/A
1999	-11.65%	N/A

CBU vs MCHB Drawdown Comparison

The maximum drawdown for CBU was -53.42%, occurring on Mar 9, 2009. Recovery took 568 trading sessions.

The maximum drawdown for MCHB was -99.97%, occurring on Sep 2, 2025. This drawdown has not yet recovered.

The current CBU drawdown is -5.30%. The current MCHB drawdown is -99.96%.

Rank	CBU	MCHB
#1	-53.42% Sep 19, 2008 - Dec 21, 2010	-99.97% Aug 28, 2025 - Sep 2, 2025
#2	-51.06% Mar 12, 2021 - Jul 16, 2026	-49.10% Aug 28, 2017 - Apr 1, 2024
#3	-34.00% Dec 31, 2004 - Mar 20, 2008	-19.59% Oct 25, 2024 - Apr 1, 2025
#4	-31.84% Jan 16, 2020 - Jan 22, 2021	-13.33% Jul 18, 2013 - May 15, 2014
#5	-23.48% Nov 19, 1999 - Sep 27, 2000	-8.44% Sep 20, 2012 - Feb 19, 2013
#6	-23.21% Jan 23, 2004 - Aug 27, 2004	-6.90% Dec 23, 2015 - Apr 11, 2017
#7	-22.89% Apr 28, 2008 - Sep 18, 2008	-5.31% Jun 7, 2017 - Aug 28, 2017
#8	-22.13% Dec 22, 2010 - Dec 22, 2011	-3.70% Apr 10, 2013 - Jul 18, 2013
#9	-20.32% Jan 4, 2017 - May 17, 2018	-3.23% Apr 11, 2017 - Jun 7, 2017
#10	-19.44% Nov 30, 2015 - Jun 23, 2016	-2.74% Jul 25, 2012 - Sep 20, 2012
#11	-18.57% May 3, 2002 - Jan 13, 2003	-2.33% Aug 21, 2014 - Sep 29, 2014
#12	-17.22% Aug 22, 2018 - Apr 24, 2019	-1.92% Apr 3, 2024 - Sep 9, 2024
#13	-16.51% Dec 26, 2013 - Jun 26, 2015	-1.92% Nov 4, 2014 - Dec 30, 2014
#14	-15.18% Aug 21, 2001 - Feb 22, 2002	-1.79% Sep 1, 2015 - Oct 23, 2015
#15	-14.91% Sep 27, 2000 - Jan 4, 2001	-1.54% Mar 1, 2013 - Apr 10, 2013

Correlation

Correlation between CBU and MCHB is 0.27 which considered as a very weak or no correlation - the stocks move independently of each other.

0.27

-101

Dividend Comparison (1999 - 2026)

CBU vs MCHB dividend yield comparison.

Year	CBU	MCHB
2026	1.40%	7.02%
2025	3.24%	1.44%
2024	2.95%	5.58%
2023	3.42%	6.87%
2022	2.76%	15.25%
2021	2.28%	12.07%
2020	2.66%	0.00%
2019	2.23%	0.00%
2018	2.47%	0.00%
2017	2.46%	0.00%
2016	2.04%	0.00%
2015	3.05%	0.00%
2014	3.04%	0.00%
2013	2.77%	0.00%
2012	3.87%	0.93%
2011	3.60%	0.00%
2010	3.38%	0.00%
2009	4.56%	0.00%
2008	3.53%	0.00%
2007	4.13%	0.00%
2006	3.39%	0.00%
2005	3.28%	0.00%
2004	2.41%	0.00%
2003	2.49%	0.00%
2002	3.57%	0.00%
2001	4.12%	0.00%
2000	4.20%	0.00%
1999	1.08%	0.00%