MCHB vs CBU

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

Both MCHB and CBU are from the Financial Services sector.

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

MCHB vs CBU - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

MCHB

$3.53B

Winner

CBU

$3.54B

Max Drawdown

MCHB

99.97%

Winner

CBU

54.44%

Sharpe Ratio

MCHB

-0.61

Winner

CBU

0.83

5Y Beta

Winner

MCHB

0.39

CBU

0.86

Industry

MCHB

Banks - Regional

CBU

Banks - Regional

P/E Ratio

Winner

MCHB

12.49

CBU

16.61

Forward P/E

MCHB

N/A

CBU

15.77

PEG Ratio

Winner

MCHB

0.00

CBU

0.78

Dividend Yield

Winner

MCHB

3.80%

CBU

2.76%

5Y Dividends CAGR

MCHB

N/A

CBU

2.28%

5Y EPS CAGR

MCHB

N/A

CBU

3.55%

Debt to Equity

MCHB

4.61%

Winner

CBU

0.00%

Free Cash Flow Yield

MCHB

6.18%

Winner

CBU

6.83%

P/S Ratio

MCHB

5.12

Winner

CBU

4.33

P/B Ratio

Winner

MCHB

1.27

CBU

1.76

MCHB vs CBU - Historical Returns

Returns include dividend reinvestment.

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

MCHB

+0.06%

Winner

CBU

+0.95%

MCHB

+6.92%

Winner

CBU

+8.66%

Winner

MCHB

+15.10%

CBU

+10.14%

MCHB

-99.96%

Winner

CBU

+27.36%

5Y(CAGR)

MCHB

-75.61%

Winner

CBU

+1.87%

10Y(CAGR)

MCHB

-50.34%

Winner

CBU

+7.42%

Max(CAGR)

MCHB

-35.44%

Winner

CBU

+9.92%

MCHB vs CBU - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

MCHB vs CBU Drawdown Comparison

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

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

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

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

Correlation

Correlation between MCHB and CBU 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)

MCHB vs CBU dividend yield comparison.

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