CBU
Community Bank System, Inc.
CBU's fundamentals are mixed: revenue grew 10%, while its operating margin rose 1 points to 35%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
CBU Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CBU's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBU.
IREN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.
CBU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 13x | $64.49 | — |
| Cheap | 15x | $67.52 | +4.7% |
| Current | 15x | $64.49 | — |
| Fair | 19x | $82.32 | +28% |
| Expensive | 21x | $93.38 | +45% |
Historical ranges are pointers, not guarantees.
CBU's PE is 15x, but its earnings don't support one, so it isn't a reliable read right now.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
CBU Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CBU, with profitability holding steady.
IREN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.
CBU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.98 | +12% |
| Q3 2026 | $4.43 | +14% |
| Q2 2026 | $4.31 | +17% |
| Q1 2026 | $4.12 | +14% |
| Q4 2025 | $3.97 | +15% |
| Q3 2025 | $3.88 | +24% |
| Q2 2025 | $3.67 | +18% |
| Q1 2025 | $3.61 | +16% |
| Q4 2024 | $3.44 | +40% |
CBU has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.
IREN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.96 | -347% |
| Q2 2026 | -$2.22 | -988% |
| Q1 2026 | $0.51 | +$1.10 |
| Q4 2025 | $1.18 | +$1.62 |
| Q3 2025 | $1.60 | +$1.99 |
| Q2 2025 | $0.25 | +$0.45 |
| Q1 2025 | -$0.59 | -$0.43 |
| Q4 2024 | -$0.44 | -$0.15 |
IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.
CBU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $231.6M | +11% |
| Q2 2026 | $219.8M | +9.6% |
| Q1 2026 | $215.2M | +9.1% |
| Q4 2025 | $217M | +11% |
| Q3 2025 | $208.1M | +10% |
| Q2 2025 | $200.5M | +9.1% |
| Q1 2025 | $197.3M | +11% |
| Q4 2024 | $196.3M | +11% |
CBU's revenue has grown year over year for 12 quarters in a row: $232M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -0.3 points |
| Q2 2026 | 37% | +3.8 points |
| Q1 2026 | 35% | +2.1 points |
| Q4 2025 | 33% | +0.3 points |
| Q3 2025 | 35% | +5 points |
| Q2 2025 | 33% | -0.8 points |
| Q1 2025 | 33% | +2.6 points |
| Q4 2024 | 33% | +8.1 points |
CBU has the edge over IREN on profitability, with a higher operating margin.
IREN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $228M | -5.1% |
| Q2 2026 | $137.2M | -27% |
| Q1 2026 | $144.8M | 0% |
| Q4 2025 | $184.7M | +59% |
| Q3 2025 | $240.3M | +355% |
| Q2 2025 | $187.3M | +230% |
| Q1 2025 | $144.8M | +168% |
| Q4 2024 | $116.1M | +176% |
IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -82% | -50 points |
| Q2 2026 | -452% | -461 points |
| Q1 2026 | -161% | -180 points |
| Q4 2025 | -63% | -79 points |
| Q3 2025 | -32% | +57 points |
| Q2 2025 | 9% | +49 points |
| Q1 2025 | 19% | +8 points |
| Q4 2024 | 15% | +21 points |
IREN's operating margin was −82% last quarter, down 50 points from the same quarter a year ago.
CBU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $106.4M | +28% |
| Q2 2026 | $41.4M | +14% |
| Q1 2026 | $60.3M | +16% |
| Q4 2025 | $61.6M | +5.2% |
| Q3 2025 | $83.4M | +61% |
| Q2 2025 | $36.4M | +7.7% |
| Q1 2025 | $52M | -33% |
| Q4 2024 | $58.5M | +46% |
CBU has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.
IREN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.6B | -$1.6B |
| Q2 2026 | $482.2M | +2895% |
| Q1 2026 | -$873.8M | -$523.1M |
| Q4 2025 | -$468M | -$334M |
| Q3 2025 | -$38M | +$349.4M |
| Q2 2025 | $16.1M | +$179M |
| Q1 2025 | -$350.7M | -$128.7M |
| Q4 2024 | -$134M | -$105.2M |
IREN's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.
CBU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +17K shares |
| 1 year | 0% | -4K shares |
| 3 years | -1.5% | -806K shares |
| 5 years | -3% | -1.6M shares |
| Available history | +1.1% | +552K shares |
CBU has the edge over IREN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $15.8M |
| Q2 2026 | $564,000 |
| Q1 2026 | $15.5M |
| Q4 2025 | $44,000 |
| Q3 2025 | $11M |
| Q2 2025 | $42,000 |
| Q1 2025 | $48,000 |
| Q4 2024 | $47,000 |
CBU spent $32M buying back its own shares over the past year, up 186% from the year before.
IREN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +26% | +82.4M shares |
| 1 year | +10% | +36.9M shares |
| 3 years | +511% | +333M shares |
| 5 years | +624% | +344M shares |
| Available history | +2346% | +382M shares |
IREN has 399M diluted shares, up 10% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
CBU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -1.8x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -0.8x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -1.9x | Net Cash |
| Q4 2024 | 3.0x | Elevated |
CBU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CBU.
IREN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 157.6x | High |
| Q4 2025 | 22.2x | High |
| Q3 2025 | 4.1x | High |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -16.7x | Net Cash |
| Q2 2024 | -15.9x | Net Cash |
IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.
CBU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.5 | Neutral |
| Stochastic | 65.5 | Neutral |
CBU's weekly RSI is 55 (neutral) and its Stochastic is 66 (neutral).
IREN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.3 | Neutral |
| Stochastic | 8.2 | Oversold |
IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).
CBU PE vs Financial Services Sector
| Metric | CBU | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 12% above |
| PE % | 7 | 63 | 56 pts below |
CBU is trading at 15x earnings, a 12% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
IREN PE vs Financial Services Sector
| Metric | IREN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
IREN has no meaningful PE right now: it lost money over the past year.
CBU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $61.9 | 4.2% above |
| 20 week MA | $63.8 | 1.1% above |
| 50 week MA | $62.6 | 3% above |
| 100 week MA | $60.4 | 6.8% above |
| 200 week MA | $55.9 | 15% above |
CBU has the edge over IREN on trend strength, trading above more of its moving averages.
IREN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 35% below |
| 20 week MA | $36.2 | 46% below |
| 50 week MA | $42.8 | 54% below |
| 100 week MA | $32.0 | 39% below |
| 200 week MA | $19.1 | 2.1% above |
IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.
CBU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $70.6 | $62.6 | -11% |
| 2021 | $62.6 | $74.2 | +18% |
| 2022 | $74.2 | $62.3 | -16% |
| 2023 | $62.3 | $52.1 | -16% |
| 2024 | $52.1 | $62.3 | +20% |
| 2025 | $62.3 | $59.0 | -5.2% |
| 2026 YTD | $59.0 | $64.5 | +9.2% |
CBU has the edge over IREN on returns for 2026, with the stronger performance.
IREN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.8 | $17.2 | -31% |
| 2022 | $17.2 | $1.19 | -93% |
| 2023 | $1.19 | $7.15 | +501% |
| 2024 | $7.15 | $10.7 | +50% |
| 2025 | $10.7 | $40.3 | +276% |
| 2026 YTD | $40.3 | $19.5 | -52% |
IREN's yearly returns have swung widely, from +501% in 2023 to −93% in 2022. It's down 52% so far in 2026.